Another point worth noting is that at a certain income level, you start getting extra money because you already make good money. Credit cards offer you cash to sign up, companies just randomly give you stock as a benefit, your insurance costs you less but is better, you get free vacations from places that hope you might buy a timeshare, you get discounts on things for similar reasons, you have lots of air miles because you always use your AirlineX credit card for large purchases but can keep it paid down, and you earn higher interest rates than those available to people with smaller nest eggs.