It is a lot harder to save and invest money when you don't make a lot of money but if you can keep expenses down and use your disposable income to save and invest wisely you can afford a lot of things. On the flip side, you can earn a lot of money yet still live paycheck to paycheck and never seem to be able to keep your head above water.
This is completely true, but this is also completely irrelevant, especially when Collins is spending it like it's going out of style on lake houses and servants.
As for your other point, again, you're right, we are given no information about his money. But the same is true for the 1948 audience watching this movie, and they would have had the same unanswered question that I did - where is this guy getting all of this money? UNLESS college professors did make more money back then, in which case it is not an unanswered question, see what I mean?
I want the doctor to take your picture so I can look at you from inside as well.
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