Im at 75mil in retainers, 2mil on character, and with everything in my retainers probably about 40 mil in assets. Plus I own a med house, which I bought back when housing was first introduced and cost more. I don't spend much unless I need something. But I have occasionally held raffles for my fc, as im more of a vet player, and they are still kinda new. Giving away 3mil to the winners. Plus I heavily funded our fc house. Otherwise I cut back at earning, and started leveling n stuff more.