Not mega rich! Was able to fulfill a life-long dream of owning a Steinway concert grand by rolling the cost of it into a home-equity loan, which means the interest is deductible! I've spent years trying to figure out how to purchase one; the right instrument at the right price finally came along and it all fell into place! It's a 6 year old piano and I got a really good deal on it from my local Steinway dealer because it was their C&A (Concert and Artists) piano which was being replaced by a new model. All I can say is dream big, scheme every way you can, and if you want it badly enough you'll find a way to get your dream piano!