"The Millionaire Next Door... examined... currently wealthy people and found out that these are unlikely to lead lavish lives. They... the accumulators... postpone consumption ...[I]t ...costs money to look and behave rich, not to count the time demands of spending money. The moral of the book... the wealthiest are to be found among those less suspected... [T]hose who act and look wealthy subject their net worth to such a drain that they inflict considerable and irreversible damage..."