 it can be it's because a lot of the affluent are going to work their entire lives it's their company they're building it they don't want to do anything else they and beside if you know let's say you're worth 100 150 million you have 10 million sitting in cash and the rest is tied up in your company if you have 10 if everything else goes wrong but you have 10 million in cash you're still going to be able to afford to retire so basic needs aren't worried about anymore but these folks get used to a bigger lifestyle