Here's what it's like to attend the Monaco Yacht Show - in a country where the poverty rate is 0 - when you are not a millionaire

Right before I went to Monaco, I got an exclusive tour of the $25,000-a-night penthouse suites at an iconic New York City luxury hotel. Before that, I attended a glitzy kickoff party for the world's biggest horse sale, where 300 of the industry's elite sipped on rare bourbons ahead of dropping millions on horses.

And earlier in the summer, I spent a night at the $18,000-a-night presidential suite at the Moscow Ritz-Carlton, visited the richest zip code in the US, and toured a high-security private island for billionaires.

But at none of these hotels, parties, or private islands did I feel the divide between millionaire and non-millionaire so clearly.

More than $4.3 billion worth of yachts floated around in Port Hercules over the course of the show, with an average price of about $41 million.

At the first edition of the Monaco Yacht Show, in 1991, there were only 32 yachts on display.

Monaco's GDP per capita is $165,420 — the second highest in the world.

Monaco is beat only by Liechtenstein, which is about 80 times larger in area than Monaco. Tucked in between Switzerland and Austria, the German-speaking principality has a per capita GDP of $166,021, according to United Nations data.

Almost one in three people who live in Monaco is a millionaire. And according to the CIA World Factbook, no portion of Monaco's population lives below the poverty line.

The cheapest Airbnb I could find was $274 per night for a room in an apartment where other people lived — and that was an outlier. Most of the options were far more expensive, upwards of $400 or $500 per night.

While that may not be a problem for a millionaire, for the average person, it's not affordable.

In Nice, France, on the other hand, which is about 20 minutes from Monaco by train, I was able to book a studio apartment for $395 for four nights, or less than $100 per night.

I spent a night at Hotel Metropole my first night in town and got a taste of the millionaire Monaco lifestyle.

The ultra-luxurious hotel has a heated seawater pool with a lounge bar and private cabanas, a Joël Robuchon restaurant, and a spa.

When I checked in, I was given a non-alcoholic welcome cocktail (which was more or less a refreshing fruit smoothie). In my junior suite — for which Business Insider paid a discounted media rate — I enjoyed Hermes toiletries, a plush king bed, and the best omelet I've ever tasted via room service.

The hotel offers helicopter transfers from the airport for an additional $175.

While some mistakenly use it as a synonym for Monaco, Monte Carlo is actually one of four Monaco districts.

Rates start at about $580 and run up to $51,000 per night for the most lavish suites.

The three-floor suite comes with a massive terrace with a hot tub and infinity pool.

But that's not even the hotel's most expensive suite. The Prince Rainier III suite is about $51,000 per night.

Nightly rates at Hotel Hermitage range from about $300 to upwards of $27,000 for the diamond suites.

My glass of wine was about $8.80, bringing the total to more than $30.

If you ask me, $30 is quite steep for a casual lunch at the cheapest restaurant I could find in Monte Carlo via Google Maps.

At the café, a Caesar salad costs about $26 and a hamburger is $32. Suddenly, the memory of my $22 plate of fish felt far less egregious.

The night began with a superyacht awards ceremony and was followed by a party with free-flowing Champagne, decadent food — from on-demand ravioli and risotto to sashimi and cheese platters — and live music.

I ate my fill because, as I just mentioned, burgers in this town cost upwards of $30 and I am not in the business of dishing out that much money for lunch.

I, on the other hand, had to walk 15 minutes to the train station, ride the train for 20 minutes back to Nice, and then Uber from the train station there to my Airbnb.

It was neither glamorous nor convenient — but it was one of the early signs that my experience of Monaco would be in stark contrast to how the ultra-wealthy experience it.

The show started at 11:00 a.m., and I arrived at about 11:30 a.m.

Any private visitor can buy a daily pass, but for a professional pass, you need to be able to prove you're a professional of the yachting or luxury industry, according to Pizzardini.

I had registered as press ahead of time, so picking up my (free) press badge was quick and easy.

VIP guests wear red badges — I only spotted two people wearing them during my time at the yacht show.

Pizzardini told me that about 80% of applicants for the Sapphire Experience are rejected. The VIP experience is limited to 200 people, but this year, the show didn't even accept that many.

"The point is not to make money out of it," Pizzardini told me. "We prefer saying no and making sure that we have 60 good people. Because in the end those people would get on board [the yachts]. Brokers and shipyards, they have our trust and confidence to say, 'OK, that guy, if he comes through the Monaco Yacht Show, he must be quite interested and serious.'"

In a city built on a steep hill, where Uber is banned and taxis are few and far between, this seemed like a particularly precious perk.

But for those with regular day passes to the show, you'll need an appointment and be able to pass a check by the yacht representative to make sure you're a serious potential buyer or charter customer.

"They indeed have to prove they are really interested in chartering or buying a yacht," Pizzardini told me. "Of course, you can visit a yacht but charter one next year! No one knows if a visit leads to a real sale [or] charter."

Tis, a brand-new, 365-foot superyacht by Lürssen, has two helicopter pads, a 40-foot swimming pool, a hammam spa, and opulent French-inspired furnishings.

From the infinity pool to the Ladurée-inspired tea room, I had never seen anything like it. It was so massive that I felt like I was on a cruise ship — but it was just a billionaire's floating mansion.

Tis was built for a Monaco resident who wanted a floating extension of his home, according to Andrew Winch, the founder of Winch Design, who designed the superyacht.

"His apartment is very similar to this boat, but significantly smaller," Winch said at the press event.

The barely-used vessel is now for sale for an undisclosed price.

But it's not so easy to score an invitation to one of these exclusive gatherings.

Nicholas Frankl, founder and CEO of My Yacht Group, throws superyacht parties at the Monaco Yacht Show and the Monaco Grand Prix that are attended by an elite clientele, including royalty, business leaders, and celebrities.

The parties are invite-only, limited to a group of about 120 to 150 people, all of whom know Frankl, and many of whom know each other.

For his parties at the Monaco Yacht Show, Frankl told me he charters luxury yachts for between $250,000 and $1 million per week and goes through about 100 bottles of Champagne per night.

But Frankl told me he didn't throw his customary superyacht party this year, to the disappointment of past guests.

After spending two full days running around the yacht show, sprint-walking to catch my trains to Nice and back, scouring the city for affordable meals, and trekking up and down Monaco's hills and many, many stairs, the golf carts were an absolute God send.

During the show, many of the restaurants were hosting groups from various exhibitors in the yachting industry.

A coworker who has attended the yacht show gave me the tip that Stars 'n' Bars was where the yacht crew tend to hang out.

But while I was there, I mainly saw people wearing exhibitor badges.

It cost 17 euros, or about $18.70.

Compared to some of the more upscale restaurants on the dock — such as at Quai des Artistes where a plate of risotto was $29 and a simple green salad was $15 — that was a bargain.

While the upper-crust stayed at luxury hotels in Monaco's glitzy Monte Carlo district, I had to commute into Monaco from a more affordable neighboring city.

And while the VIP guests had access to courtesy cars and swanky private lounges, I was constantly exhausted from running around and not being able to find a bathroom.

These seemingly minor details added up to affirm my conclusion that there's one Monaco Yacht Show for the millionaires, and another one for the rest of us.