Ever notice certain phrases that just stick out in conversations? At a networking event last month, I overheard someone say, “My portfolio manager suggests diversifying internationally.” It caught my ear, not for the advice, but for the way they said it—like they were trying to impress.
With nearly two decades in finance under my belt, I’ve become attuned to these verbal cues. People often use language to project confidence when they’re feeling insecure about their financial standing. Interestingly, the wealthiest individuals I’ve met don’t typically flaunt their financial connections like this.
Let’s dive into seven phrases that often signal a deeper story.
“My accountant handles that.”
This phrase often pops up during discussions about taxes or finances. While having an accountant is beneficial, those who are genuinely well-off usually don’t mention it in casual chat. They tend to say something like, “I’ll need to check” or “I manage my own taxes.” Overemphasis usually hints at someone who has just started using a tax prep service and is trying to sound more established.“We’re looking at properties in [expensive area].”
This one’s a red flag. I’ve seen many people talk about “looking” at real estate without ever making a purchase. The ones really buying properties keep quiet until the deal is closed. The “lookers” often spend weekends touring homes they can’t afford, then boast about it come Monday.“Money isn’t a concern for us.”
Ironically, money concerns nearly everyone, whether they admit it or not. Wealthy people still worry but tackle different financial issues. This phrase often arises when someone tries to justify a spending decision they’re anxious about. True financial security includes open discussions about budgeting and value.“Our financial advisor suggested…”
While having an advisor can be helpful, it’s not a full-proof sign of wealth. Many people have access to financial advice. The need to announce this connection often signals someone trying to appear more sophisticated or detached from their choices.“We only fly business class.”
You’d be surprised at who you find in business class. Many are corporate travelers, loyal frequent flyers, or just lucky with upgrades. It’s often the ones who struggle with finances that loudly proclaim their travel preferences.“It’s not about the money, it’s about the principle.”
This one nearly always means it is about money. When we’ve tied our identities to financial success, admitting something is too pricey can feel like a failure. People often create justifications to mask their financial anxieties.“We’re considering a second home.”
This phrase often lingers indefinitely. You hear it year after year, but very few ever pull the trigger on a purchase. Those who actually buy usually mention it after the fact, not during the “consideration” phase.
Reflecting on these phrases might lead you to recognize some you’ve used yourself. When I transitioned from finance to writing, I found that the friends who stuck around didn’t care about my bank account; they valued authenticity.
These expressions aren’t inherently bad. They often reveal insecurities about money and status. True wealth isn’t about how you present yourself; it’s about being comfortable with what you have. The wealthiest people I know don’t rely on fancy phrases. They can admit when something costs too much and make decisions without needing to impress others.
Ultimately, perhaps the true measure of wealth is the freedom to be yourself without the need to perform.
