So the idea of being undercover rich is kind of trending right now.

You'll hear quiet luxury or stealth wealth or old money aesthetic.

Like all of that is just like what the internet is loving these days because it's this idea

of people that are like really financially secure and wealthy don't feel the need to flash, you know, all their lifestyle with labels and all this stuff for the world to see.

So I saw an article on this topic recently and I thought some of their points actually matched the Ramsey Baby Steps.

So today I'm going to share and react to this list, plus a few insights of my own as we talk about this kind of concept,

if you will, of being wealthy, but not always flashing it.

Now, before we get started, make sure to subscribe and share this episode with a friend.

All right, the first sign that someone is a quiet millionaire is that they're not living

paycheck to paycheck.

So again, you may not see it. It may not be out in the

open, but for sure when you become wealthy, you're not dependent upon that next paycheck to get by.

So the margin is great. And you can get there by living below your means, right? Having a budget

and actually learning to get out of that cycle. But you can definitely tell someone is like

doing well if they're not needing that next paycheck to get by. Number two is that they're not

anxious about upcoming expenses. And I think what that means, which makes sense is that they have an

emergency funds. They have cash available. And if upcoming things are coming, expenses maybe they know or don't know, they have the ability to cover them. So again,

when you are paycheck to paycheck and don't have savings, it's like any little thing that comes up

could feel like this crisis, right? It takes you completely out of orbit. But these stealth

millionaires, if you will, they're not worried about all that stuff because they

probably have planned. They have put money set aside, which is great. So again, having an

emergency fund for upcoming expenses for the unexpected is key, but then also planning for

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