[Goladus]

That sums it up nicely. Essentially people in the 90th percentile who aren't truly rich (ie they are on the wrong side of that curve in the article) usually have a much higher standard of living they simply don't appreciate.

For one example I moved to an apartment not infested with mice and roaches and it's cost me an extra $2,000 a year in rent. And honestly the roach place was overpriced and my current apt is a pretty good deal.

Basically, someone in the 90th percentile but not feeling rich is probably living somplace nice, buying a lot more reasonably-nice clothes (and bicycle and ski gear maybe), brand-name groceries (Whole Foods, etc.), newer cars, an entertainment center, college and retirement savings, etc. No individual item seems like a massive luxury, like a Yacht or a mansion or luxury penthouse; and you can't invest a million in startups just for the fun of it; but across the board it all adds up.