My Dad is retired and doing fine, but not mega rich, He’s an engineer. Helped design his house. Looks normal. It’s not — it’s a frreaking fortress. He just considered it prudent.
Example: basement is three layers of steel reinforced concrete blocks plus cement and a layer of bricks. His house laughs at 100 mph winds. Yes over 30 years in Tornado alley he’s seen those. One neighbor’s house was leveled as in gone. Only damage to my Dad’s was a little ding on the roof from part of the neighbor’s house landing on it.