besides spend it on frivolous shit like yachts and planes and stuff, there's no way it's all liquid. do they just park all their billions in a bunch of investment vehicles and wait for it to propagate itself? don't they get bored of just waiting and watching line go up?
Most people who make $500k a year are probably saving at least $200k of that - realistically unless you're a total idiot you're probably saving $300-$350k of it. If you do that for 15 years you can retire with $5 million in the bank while you're still young/probably in your 50s. It's way easy to live off that for another 25 years - it's still $200k a year which would be more than you were living off of in the previous 15 years