Money isn’t finite, that’s why billionaires and soon trillionaires exist. They couldn’t ( or literally had to be an emperor) when money had a closer relationship to reality or was gold. Anyways, because of the nature of our currency now, the size of their pile has zero effect on the size of your pile. “No new cars, no tech gadgets, no fancy dinners, no vacations, no disposable income.” not how it works.