为什么很多拥有几百万存款的人，平时都很朴素？内行人：5大原因

Group 1 - The core viewpoint is that wealthy individuals tend to have lower daily consumption relative to their income, with high net worth families spending only 18.7% of their annual income on daily expenses compared to 32.6% for families earning between 100,000 to 500,000 yuan and 62.3% for those earning below 100,000 yuan [1] - A report by China Merchants Bank and Bain & Company indicates that the proportion of daily consumption among high net worth individuals has decreased from 31% in 2015 to 23% in 2024 [2] Group 2 - Wealthy individuals have a different consumption philosophy, prioritizing investment over consumption, which allows them to grow their wealth rather than spend it all [5] - Chinese wealthy individuals prefer to conceal their wealth, with 78.5% of those surveyed intentionally lowering their consumption levels to avoid drawing attention to their financial status [7] - Many wealthy individuals have experienced a transition from poverty to wealth, leading them to appreciate the value of money and adopt frugal spending habits [9] - Wealthy individuals aim to instill values of frugality in their children, with 85.3% emphasizing the importance of teaching their offspring to avoid extravagant spending [11] - A significant number of wealthy individuals are cautious about future uncertainties, preferring to save and invest rather than spend excessively, which provides them with a financial safety net [13]