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Rich people, he explains, have a lot of money. Wealthy people have the security that comes with knowing how to manage however much money they do have, so they'll still be wealthy tomorrow.
Super wealthy people apply that know-how to an enormous bank account balance.
So, what's it like to be super-wealthy?
Sullivan, who is also the New York Times Wealth Matters columnist, shares here seven of the money secrets he's unearthed in his research.