re: Do you reflexively think luxury car = rich driver and old car = poor driver?

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I'd say they generally make more money but that doesn't mean they have more money. Two totally different things.

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This! Income and wealth are too often world's apart

Two examples nearest my world:

1. Neuro surgeon next door neighbor (you might think I live in exclusive, gated community). Live in couple steps above avg neighborhood, yes. House sat for years. Someone bought and rented to this fella. My impression is very high income but even higher expenses. At first thought they were building a house while renting, but they stayed a LONG, LONG time!

2. River pilot friend lives in enviable place with more luxury cars than drivers, eating a chef's tables at high end restaurants, and many more examples. Big purchase in last few years and pretty sure they are now living paycheck to paycheck.

And many more...