It is a totally different world. Once you have a certain amount of money, it almost becomes impossible not to make more. One situation I'm thinking of is that I'm in the multi-year process to do a renovation on a house. An acquaintance (our kids are in school together) also had a renovation done. However, what they were able to do was to simply buy another home, renovate that, move into it, and then renovate their main home over the course of two years (huge renovation in a major city). When the main home was done, they sold the "new" home with a large enough profit to pay for both renovations.

I'm doing well, but not rich, so I'll end up saving some of the money and paying interest on the rest of the renovation. At some point in the future, I'll hopefully get some of that back when I sell my home. Meanwhile, the acquaintance managed to make short-term money on the process.