Friends should also be able to feel that, in fact, many times,

if you are middle class, as long as you don't gamble or do drugs,
and enjoy life on your own, it doesn't cost much.

Besides your expenses, most of your money is used to try to make more money.
If ordinary people are like this, then the top 1% is even more so.

So how to use money most efficiently?
Of course, it's to find ways to have more offspring, spreading the excess wealth to future generations.
Use this money to buy the reproductive resources of the common folk. Then form a scythe alliance, monopolize the reproductive market, and profit from both ends.
See, you can have more children, and the money has a place to go.
You can also harvest more韭菜 (chives, metaphor for exploited people), as reproductive resources can be bought and sold. How could the common folk not be willing to pay?