With $1 billion in the bank, you have to try hard to avoid getting richer. Assuming a 10 percent rate of return, your arduous task is spending $100 million a year, or about $274,000 a day. Hermes ties will not get you there.

This may seem too marginal a problem to be of interest. Who has such money, after all? More and more people do. To make this year's list of the 25 highest paid hedge-fund managers, published by Alpha magazine, you had to make $240 million. At the top was James Simons of Renaissance Technologies with $1.7 billion.
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