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 What's it like to be rich, as in 10% rich?

Being in the top 10% of wealth (as opposed to the super-wealthy 1%) generally provides a higher level of comfort and security, though it's different from being extra rich. Here's what the lives of the top 10% often look like:

1. Financial security

• Comfortable Lifestyle: You can afford high-quality housing, healthcare, education and vacations without constant financial stress.
• Savings and Investments: There is usually a solid financial cushion in savings, retirement accounts and diversified investments.
• Less debt anxiety: Debt, if any, is often manageable or strategic (such as a mortgage on a high-priced home).

2. High-quality lifestyle

• Housing: The possibility of living in a desirable neighborhood, possibly owning one or more properties.
• Travel: Regular vacations, often international, and the ability to travel in comfort (business class or premium economy).
• Dining and Entertainment: Frequent dining at upscale restaurants, attending exclusive events, and participating in leisure activities such as golf or the theater.

3. Professional and social benefits

• Education: Access to high-level schools for children and opportunities for personal development (eg, advanced degrees, certifications).
• Career choice: Often works in well-paying professions such as law, medicine, technology or finance, with some flexibility in career decisions.
• Networking opportunities: Be part of circles that provide access to other wealthy people, expanding social and professional opportunities

4. Choice and freedom

• Flexibility: The ability to choose work-life balance or pivot to passion projects without immediate financial concerns.
• Health and Wellness: Access to the best healthcare, fitness trainers and wellness experiences.
• Time Leverage: Ability to hire help with household chores, allowing more time for personal work.

5. "Ultra-rich" is not the challenge

• Comparison: Even if life is comfortable, you may feel "middle class" compared to the top 1% or ultra-rich in your circle.
• Work is still necessary: ​​Most of the top 10% still rely on active income to maintain their lifestyles; They are not financially independent.
• Limited extravagance: Luxury is accessible but balanced—eg, a luxury car or occasional splurge, but not a private jet or mega-yacht.

6. Emotional and social dynamics

• Sense of accomplishment: There is a sense of pride in reaching a level of financial success through hard work or smart decisions.
• Awareness of Privilege: A clear understanding of the advantage over the global majority.
• Pressure to maintain status: Need to manage money wisely to ensure continued security and lifestyle.

That challenge continues

• Work-life balance: Higher earnings often come with demanding jobs or responsibilities.
• Economic changes: Investments and assets can be affected by market fluctuations, requiring proactive management.

In short

Being in the top 10% offers a life of considerable comfort and opportunity, but it is not the "money is no object" world of billionaires or the super-rich. You enjoy financial security, access to excellent services, and the freedom to make meaningful choices—yet still need to act responsibly and manage finances. It is a balanced blend of luxury and basics.