So I'm on a plane and I'm reading this magazine about today's fashion must-haves for the newly minted rich man.

Turns out Rolexes are out — practically scream, "Look what I did with my first five-figure bonus."

Collector watches with leather bands are in. Scream "money," I'm told, without screaming at all.

Then shirts: Made to measure always. Try the guys Prince Charles uses — only 350 bucks a pop.

Or shoes — be prepared to spend at least 5,000 bucks. And I'm thinking, that's 500 bucks a toe! But the writer assures the reader, they'll last 10 years. Man, for that dough, they should last a lifetime.

I'm chuckling out loud as I'm reading this and the guy next to me — an older gent, I suspect in his late 60s or so — wants to know what I find so funny.

I point out some of the pricey bobbles. He chuckles too.

He, in his off-the-rack but very nice blue pinstripe suit, with the button-down collar, who tells me he is not a snazzy dresser — not one bit.

Tells me he's lived in the same house 40 years.

Raised five kids in that house.

Friends tell him he could live in a much nicer house.

You see, he runs a hedge fund syndicate now — so without saying so, I got a pretty good hunch he's doing very well.

But he doesn't act like it, dress like it or even talk like it.

He is warm and affable, self-effacing and, when they come to take our order, quite literally meat and potato.

He knows who he is. And a $2,000 pair of cufflinks he is not.

As he put it, "Then I'd have to get that $350 shirt to go with 'em."

Watch Neil Cavuto weekdays at 4 p.m. ET on "Your World with Cavuto" and send your comments to cavuto@foxnews.com

Neil Cavuto serves as senior vice president, anchor and managing editor for both FOX News Channel (FNC) and FOX Business Network (FBN). He is anchor of FNC's Your World with Cavuto - the number one rated cable news program for the 4 p.m. timeslot - as well as the FNC Saturday show Cavuto on Business. He also hosts Cavuto on FBN weeknights at 8 p.m. In addition to anchoring daily programs and breaking news specials on FNC and FBN, Cavuto oversees business news content for both networks and FNC's weekend business shows, including Bulls & Bears, Forbes on Fox, and Cashin' In. Click here for more on Neil Cavuto.