It is not going to change marginally, it would just be a lot of money on my bank account but thats it, I am not going to suddenly start living like a rich person because if I do that then I would lose it all and spendi t on silly stuff and become poor again. Number one thing that you need to remember is that rich people od not use their own money to live rich, they end up in debt to live rich, because the yrather keep their money invested and earning, and then those earnings will pay their debt, thats a lot better, both for tax reasons and also for income increasing reasons, the more capital you can put into making an income the better, and if you make a debt, that means you are paying less tax, but also you are using all of your capital for investment and not spending it.