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* A lot of financial advisors recommend that people try to live modestly even after getting raises, to avoid what's called "[[https://en.wikipedia.org/wiki/Lifestyle_creep lifestyle creep]]". In short, if you get a raise and immediately go out and get yourself a nicer car, or a bigger apartment, you find yourself quickly living outside your means, which can then lead to mounting debt, and therefore less net wealth. The thinking is that it's better to have money in the bank than acquire luxuries at enormous expense.
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** A characteristic trait of ''every'' incarnation of quadrillionaire Scrooge [=McDuck=], from comics to animation, by any author. While his fellow millionaires waste money on useless status symbols, pointless luxuries, and foolish habits like gambling, he resists spending a single cent if he possibly can, with his only ''unnecessary'' luxuries being his large bed (at times stuffed with banknotes) and the Money Bin itself (that contains the part of his wealth that he made ''directly'' because he likes to watch it, rather than having it in banks and investements like the rest). Sure, he'll occasionally force himself to spring for things like employees, limousines, airplanes, and submarines, but only because they're necessary for his business or to fuel his adventure addiction, not to flaunt his wealth. To Scrooge, money is something to be saved and savored, never spent if at all possible.
** As befitting his status as an EvilCounterpart of Scrooge, Flintheart Glomgold is an even ''worse'' miser, rarely springing up money for anything he doesn't need for his business or to compete with Scrooge.

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** A characteristic trait of ''every'' incarnation of quadrillionaire Scrooge [=McDuck=], from comics to animation, by any author. While his fellow millionaires waste money on useless status symbols, pointless luxuries, and foolish habits like gambling, he resists spending a single cent if he possibly can, with his only ''unnecessary'' luxuries being his large bed (at times stuffed with banknotes) and the Money Bin itself (that contains the part of his wealth that he made ''directly'' because he likes to watch it, rather than having it in banks and investements investments like the rest). Sure, he'll occasionally force himself to spring for things like employees, limousines, airplanes, and submarines, but only because they're necessary for his business or to fuel his adventure addiction, not to flaunt his wealth. To Scrooge, money is something to be saved and savored, never spent if at all possible.
** As befitting his status as an EvilCounterpart of Scrooge, Flintheart Glomgold is an even ''worse'' miser, rarely springing coughing up money for anything he doesn't need for his business or to compete with Scrooge.



* In ''ComicBook/TheMetabarons'', the Metabarons have planetary-scale wealth but because of their ascetic Bushitaka belief system, they rarely spend much of it barring materials for new weapon systems and luxury items for spouses who aren't Bushitaka. Even when it comes to rebuilding a destroyed Metabunker and its arsenal, those things can come free as the Metabarons' robots simply jack an uninhabited planet and convert its resources.

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* In ''ComicBook/TheMetabarons'', the Metabarons have planetary-scale wealth but because of their ascetic Bushitaka belief system, they rarely spend much of it it, barring materials for new weapon systems and luxury items for spouses who aren't Bushitaka. Even when it comes to rebuilding a destroyed Metabunker and its arsenal, those things can come free as the Metabarons' robots simply jack an uninhabited planet and convert its resources.
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SisterTrope to NonIdleRich and SuperTrope to ModestRoyalty. Compare with SecretlyWealthy. [[JustForFun/IThoughtItMeant Not to be confused with]] a wealthy person like a BourgeoisBohemian who goes for a SimpleYetOpulent coupled with an AsceticAesthetic (they have a "modest Manhattan "pied à terre" for when they're in BigApplesauce and a "simple beachfront cottage in Del Mar, California"), which is just a subtler form of ConspicuousConsumption.

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SisterTrope to NonIdleRich and SuperTrope to ModestRoyalty. Compare with SecretlyWealthy. [[JustForFun/IThoughtItMeant Not to be confused with]] a wealthy person like a BourgeoisBohemian who goes for a SimpleYetOpulent coupled with an AsceticAesthetic (they have a "modest Manhattan "pied ''pied à terre" terre''" for when they're in BigApplesauce and a "simple beachfront cottage in Del Mar, California"), which is just a subtler form of ConspicuousConsumption.
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* [[UsefulNotes/{{Stoicism}} Stoic]] philosopher Creator/{{Seneca}} became the richest man in UsefulNotes/TheRomanEmpire during his tenure as Emperor UsefulNotes/{{Nero}}'s adviser, yet he personally lived with incredible sobriety and preached one should live the simplest way possible regardless of his money. He made a point that one had to be in control of his possessions and not his possessions in control of one, and claimed to be ready to lose his fortune any day. Although we will never find out whether he meant it, he said the same about taking his own life if it became inevitable, and this he did when Nero turned on him and ordered him to kill himself.
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* ''Fanfic/TheRavenAndTheOwlet'': Boscha's family, the Arends, are one of the wealthiest families on the Isles, but live in a fairly humble dwelling in Bonesborrough. Sylvie, one of Boscha's mothers, is from a middle-class background herself, and talked her wife down from living in a mansion. It's worth noting that Boscha's homelife is ''much'' happier than Amity's, and Amity lives in a stately mansion.
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* John Chapman, better known as UsefulNotes/JohnnyAppleseed, dressed in used clothing and often ate at a campfire. (He was a vegetarian and proselytized for Swedenborgian Christianity.) He was also a successful businessman, eventually owning more than 1,200 acres of orchards across Pennsylvania, Ohio, Indiana, and Illinois.

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* John Chapman, better known as UsefulNotes/JohnnyAppleseed, dressed in used clothing and often ate at a campfire. (He was a vegetarian and proselytized for Swedenborgian Christianity.Christianity, a kind of 18th-century mystical/hippie sect.) He was also a successful businessman, eventually owning more than 1,200 acres of orchards across Pennsylvania, Ohio, Indiana, and Illinois.
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* ''Fanfic/ThyGoodNeighbor'': Played with the Fairchilds. By the standards of the Victorian era, their home sits well above middle class, but they do not actively boast their wealth and are content to prepare and serve meals by themselves. By Westerosi standards, they are living in opulence that would be the envy of kings.
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* ''Fanfic/OniGaShikuSeries'': After turning himself in, [[spoiler:Akatani]] gives Izuku half his stocks as compensation for his villainous actions, and Izuku, being only ten years old at the time, has no idea what to do with that money. So he passes the stocks to Akiyama to manage them in exchange for a job and payment. Five years later, Akiyama returns the stocks to Izuku, minus his fee and the tax, and well... we are not told how much money it is, but Izuku, instead of touching it, opts to anonymously donate a hundred million yen to the Morning Glory Orphanage. He never once touches the money for himself, lives off his parents' salary, and thinks of himself as middle class.


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* ''VideoGame/Yakuza4'': Shun Akiyama lives in his Sky Finance office and appears to have a diet that consists of fastfood and the bento his assistant buys him. Then it's revealed that he has a secret vault that has [[spoiler:a hundred billion yen]] in it. That's over [[spoiler:six hundred and eighty million]] in dollars, by the way. When asked about it, Akiyama says that after he got all that money, he sat down to decide what to do with it, so he decided to use it as the capital for his moneylending business devoted to helping people who have no other options - to make their dreams come true.
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* ''Literature/LifesLittleInstructionBook'' encourages this:
-->'''17.''' Live beneath your means.
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SisterTrope to NonIdleRich and SuperTrope to ModestRoyalty. Compare with SecretlyWealthy. [[JustForFun/IThoughtItMeant Not to be confused with]] a wealthy person like a BourgeoisBohemian who goes for a SimpleYetOpulent couple AsceticAesthetic (they have a "modest Manhattan "pied à terre" for when they're in BigApplesauce and a "simple beachfront cottage in Del Mar, California"), which is just a subtler form of ConspicuousConsumption.

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SisterTrope to NonIdleRich and SuperTrope to ModestRoyalty. Compare with SecretlyWealthy. [[JustForFun/IThoughtItMeant Not to be confused with]] a wealthy person like a BourgeoisBohemian who goes for a SimpleYetOpulent couple coupled with an AsceticAesthetic (they have a "modest Manhattan "pied à terre" for when they're in BigApplesauce and a "simple beachfront cottage in Del Mar, California"), which is just a subtler form of ConspicuousConsumption.
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* ''Literature/HarryPotter'': The title character is rich from the first book onward, thanks to his inheritance, but he does almost nothing with his money, living at school in the same manner as his friends, and in a humble middle-class British home with the Dursleys when not at school.
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* Big-box store Costco was founded and run by [[https://en.wikipedia.org/wiki/James_Sinegal James Sinegal]] for decades, whose net worth measures in the billions and who managed to keep the company's stock growing to five thousand percent of its starting value in 27 years. Yet he was rarely seen in anything other than a simple button-up shirt, slacks, and his Costco employee badge. He is seen occasionally in open-front suits or comfortable sweaters and almost never in a tie, befitting his textbook BenevolentBoss and HonestCorporateExecutive demeanor.
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The trope doesn't apply. Xizor may not attach any "moral" value to money in and of itself (He describes it as a way of keeping score) but he does enjoy everything he can do with it. His mansion is luxuriously appointed, with a fortune spent on luxuries and personal technology, including going so far as to hire away the Emperor's personal landscaper. He dines out regularly at exclusive restaurants, has his own personal (famous) chef, attendants, etc.


* ''Literature/ShadowsOfTheEmpire'': Xizor zig-zags this. As the head of the largest criminal enterprise in the galaxy, he is one of the wealthiest people alive, and while he does own some extravagances, like his own space station and a palace that's said to be second only to Vader and the Emperor's own in size, these are practical purchases, as they provide space and facilities for his private army. He even throws away a valuable jewel that one of his clients sends him as a gift since he has no use for it. He notes that Darth Vader is the same way since he has access to all the resources the Empire can offer but doesn't care for money at all. However, he also spends ludicrous amounts of money on gifts for his mistresses (the text notes that he bought a girl he broke up with a ''mansion'' as a consolation gift when he left her) and dines at the most exclusive and expensive restaurants on Coruscant.
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* ''CombicBook/{{Maus}}'': Vladek Spiegelman, partially due to his trauma stemming from surviving UsefulNotes/TheHolocaust, is extremely frugal despite his wealth -- he even swipes paper towels from restaurants to avoid having to buy napkins for his home. His wife remarks that he has hundreds of thousands of dollars in his bank account, but lives like a pauper.

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* ''CombicBook/{{Maus}}'': ''ComicBook/{{Maus}}'': Vladek Spiegelman, partially due to his trauma stemming from surviving UsefulNotes/TheHolocaust, is extremely frugal despite his wealth -- he even swipes paper towels from restaurants to avoid having to buy napkins for his home. His wife remarks that he has hundreds of thousands of dollars in his bank account, but lives like a pauper.
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* ''CombicBook/{{Maus}}'': Vladek Spiegelman, partially due to his trauma stemming from surviving UsefulNotes/TheHolocaust, is extremely frugal despite his wealth -- he even swipes paper towels from restaurants to avoid having to buy napkins for his home. His wife remarks that he has hundreds of thousands of dollars in his bank account, but lives like a pauper.
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** A characteristic trait of ''every'' incarnation of quadrillionaire Scrooge McDuck, from comics to animation, by any author. While his fellow millionaires waste money on useless status symbols, pointless luxuries, and foolish habits like gambling, he resists spending a single cent if he possibly can, with his only ''unnecessary'' luxuries being his large bed (at times stuffed with banknotes) and the Money Bin itself (that contains the part of his wealth that he made ''directly'' because he likes to watch it, rather than having it in banks and investements like the rest). Sure, he'll occasionally force himself to spring for things like employees, limousines, airplanes, and submarines, but only because they're necessary for his business or to fuel his adventure addiction, not to flaunt his wealth. To Scrooge, money is something to be saved and savored, never spent if at all possible.

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** A characteristic trait of ''every'' incarnation of quadrillionaire Scrooge McDuck, [=McDuck=], from comics to animation, by any author. While his fellow millionaires waste money on useless status symbols, pointless luxuries, and foolish habits like gambling, he resists spending a single cent if he possibly can, with his only ''unnecessary'' luxuries being his large bed (at times stuffed with banknotes) and the Money Bin itself (that contains the part of his wealth that he made ''directly'' because he likes to watch it, rather than having it in banks and investements like the rest). Sure, he'll occasionally force himself to spring for things like employees, limousines, airplanes, and submarines, but only because they're necessary for his business or to fuel his adventure addiction, not to flaunt his wealth. To Scrooge, money is something to be saved and savored, never spent if at all possible.

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* A characteristic trait of ''every'' incarnation of quadrillionaire [[ComicBook/DisneyDucksComicUniverse Scrooge McDuck]], from comics to animation, by any author. While his fellow millionaires waste money on useless status symbols, pointless luxuries, and foolish habits like gambling, he resists spending a single cent if he possibly can, with his only ''unnecessary'' luxuries being his large bed (at times stuffed with banknotes) and the Money Bin itself (that contains the part of his wealth that he made ''directly'' because he likes to watch it, rather than having it in banks and investements like the rest). Sure, he'll occasionally force himself to spring for things like employees, limousines, airplanes, and submarines, but only because they're necessary for his business or to fuel his adventure addiction, not to flaunt his wealth. To Scrooge, money is something to be saved and savored, never spent if at all possible.

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* Surprisingly common in the ComicBook/DisneyDucksComicUniverse:
**
A characteristic trait of ''every'' incarnation of quadrillionaire [[ComicBook/DisneyDucksComicUniverse Scrooge McDuck]], McDuck, from comics to animation, by any author. While his fellow millionaires waste money on useless status symbols, pointless luxuries, and foolish habits like gambling, he resists spending a single cent if he possibly can, with his only ''unnecessary'' luxuries being his large bed (at times stuffed with banknotes) and the Money Bin itself (that contains the part of his wealth that he made ''directly'' because he likes to watch it, rather than having it in banks and investements like the rest). Sure, he'll occasionally force himself to spring for things like employees, limousines, airplanes, and submarines, but only because they're necessary for his business or to fuel his adventure addiction, not to flaunt his wealth. To Scrooge, money is something to be saved and savored, never spent if at all possible.possible.
** As befitting his status as an EvilCounterpart of Scrooge, Flintheart Glomgold is an even ''worse'' miser, rarely springing up money for anything he doesn't need for his business or to compete with Scrooge.
** Surprisingly enough, ''Mickey Mouse himself'': his father is a retired billionaire, so rich that him suddenly retiring and selling off his properties may have trigged [[TheGreatDepression the 1929 Wall Street Crash]], but he lives in a mid-sized house in Mouseton and tries to work for a living, with his family wealth being only known to those who read [[ADayInTheLimelight his father's story]].

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