Many people tell us that you can "look at your face", that is, people who expect doctors, lawyers, accountants ... advanced degrees will have to show a lifestyle that is commensurate with his professional competence. How would you rate the professionals you come in contact with? Too many people judge them by external factors. They will get "plus points" if they wear expensive clothes, drive a luxury car and live in a high-end residential area. It is assumed that a person living in a simple house and riding a popular three-year-old car is very likely that his expertise is mediocre, even inferior, incompetent. Very, very few people evaluate the competence of the people they choose to cooperate with in terms of net worth. Many people have told us that they are forced to "show success" that way to convince their customers that they are successful.

Of course, there are always exceptions, but it can be said that people who spend years in college tend to spend more than those with lower levels of education. As a rule, the total spending in the intellectual family is always higher than the common level.

What factors explain why there are too many intellectuals on the UAW list? Our research shows that they are generally not selfish. On average, the percentage of income that contributes to their good goals is higher than those who make a lot of money. They also rarely inherited from their parents. The siblings in the family who have lower education level are the ones who usually receive the bigger inheritance. In some cases, parents also asked them to "help the less fortunate brothers and sisters".

Another noteworthy detail is that intellectuals often spend a lot of time to work, on average about 8 to 10 hours a day, so most of their time, energy and intelligence are devoted to work. . Therefore, they tend to neglect their economic situation. Some people find that hard work will bring high income, and then they do not need to budget for the family to do anything. Some people even ask why they waste time on spending and investment planning, when they make a lot of money. Many high-income UAWs agree.

However, the PAW often feels the opposite. For them, money is a resource not to be wasted. They know that planning, budgeting and saving life are things to do to accumulate wealth, even though their income is very high. Although they earn a lot of money, they still have to keep their living standard lower than their ability to become financially independent when they reach retirement age. They understand that if they are not financially independent, they will spend more time and energy worrying about their future.