>doing the amazing things like traveling the world requires a lot of money.

OTOH some have a lot of money.

They work their butts off as far up as they can in a place like a NY bank, then retire, early or not and join the yachting community :)

Sooner or later they find out that a one-day fishing trip is more work than a whole week of employment was, and they need more than a week to recover.

So you end up with a yachting community with most of the vessels just sitting there most of the time :\