A friend of mine is going to retire with her husband soon. Maybe in a year or so. She's under 50. So it's considered an early retirement. Based on my estimations, I reckon that she's very well off financially and has saved up a substantial amount for her retirement. My guess is that there should be some properties, investments, endowments, etc etc. So it's a cushy AUM. However, even though she has a high AUM, I also notice that she has very expensive tastes. Now, there's absolutely nothing wrong with expensive tastes. Especially when she has a very high earning power. I mean, she has managed to accumulate a huge AUM even with expensive tastes. That's a great feat. Like I can't expect her to be frugal right, since she earns more and can afford BOTH an early retirement AND a luxurious life. That's all good. She did mention that she plans to cut her expenditure though. So ......