Personally, rich = financially independent = retirement. That doesn’t mean that they don’t work, it just mean they can quit anytime and still be able to live their current life style. It also means when your $ is working for you and not you’re working for your $. I think someone who have a monthly expensive of $2k, a modest job and $1M in the bank, which is more than enough for them to just live off the interest, is richer than someone who have $10k/month expense making $200k/year but not much in saving.