1. You have millions but you dress like a bum. Nobody knows you have money. You live in a small, sh*tty apartment. You choose to live modestly but you never have any money problems. If your friend is in need, you can give him/her money.
2. Everybody thinks you are rich. However, you don't have a dime. You have several suits or dresses but you have to hand wash them in your swimming pool because they regularly cut off your water and electricity. You live on bread and water. When you go out, you have to avoid paying the bill, even if it means running off. You go on holidays but in truth you have to work 12 hours a day while there.
Actually, I would rather be rich and look poor. For one thing I don't have too much desire for material things and I really wouldn't want to flaunt my wealth because I really don't want others to realize that I'm rich just so that all the people I wasn't close to in school and coming up would all the sudden try to remind me of how we were "best friends" and I would be like get out of my face with that.
I'm not too bothered by material things and don't really need money to be happy or look rich to be happy. I'd be content with being comfortable with no money worries and don't have the stigma of being rich, I can see that being a far happier life style
The life of the inspiration for Scrooge is the life for me!
From Wikipedia on John Elwes:
"He went to bed when darkness fell so as to save on candles. He began wearing only ragged clothes, including a beggar's cast-off wig he found in a hedge and wore for two weeks. His clothes were so dilapidated that many mistook him for a common street beggar, and would put a penny into his hand as they passed."