The pseudo-affluent generally:

• They earn a high-income, but spend the majority of what they make.
• Wear expensive suits or carry expensive purses.
• Drive high-end luxury or sports cars.
• Really believe that rich people act rich.

It does not mean that every person that drives a BMW pretends to be rich, but those who do spend the majority of high incomes spend it in a way to display their wealth.

Your neighbor might be secretly wealthy if:

• They have an above-average understanding of finances: They may not be concerned about the looming recession, but calmly take about general atmosphere data points.
• They read: The space in their home is prioritized more toward education than centered around television and entertainment.
• They cook. A portion of their high income went toward a good kitchen that can facilitate cooking, companionship, and relaxation.
• They have an uncluttered lifestyle: They do not own a lot of "stuff." Everything has a purpose and a place.
• They care about their health: Many believe their health directly enables their ability to enjoy their wealth.
• They never brag: They don't strut around and take notice of people admiring them.
• They don't care what other people think: They often ignore fashion trends and pop culture.

• You pay yourself first. You fund your retirement accounts before you pay anyone else.
• You live in a reasonably-sized house.
• You understand good debt vs. bad debt.
• You live a sensible lifestyle that's within your means by making smart decisions with your money.
• You are humble, yet confident.