Share your stories. I know one young man who owned a hardware franchise that grossed a lot of money, but he always kept a tight lid on expenses and never paid himself more than ten an hour. But he did pay his people well to keep a steady and loayl staff. His thinking on his low salary was that he may need the saved up capital for the business, that nobody but the board has access to, to save the business if a recession ever came. When bad times hit, his store was one of the few that survived the post Reagan-Bush years when all went south in '89-'90. One man I know has a family that owns a lot of rental apartments. He works like a dog to maintain and adminstrate them and his pay is almost nothing. Almost all monies are kept in case of major repairs that can crop up at the strangest times. Though he can live in a nice house and draw a lot of cash he won't and lives in one of the units. And due to that frugalness, the apartments, which started with few became many. And the stories go on and on. But there are so many rich people who don't have cash but reinvest most of what they get and live way below their means.