Polite alternatives to "rich" include affluent, well-off, prosperous, and well-to-do. These terms describe someone with significant financial resources or assets without using the direct, sometimes brash, tone of "rich" or "loaded". Other polite options include describing someone as "comfortable," "financially secure," or "successful".
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Being rich refers to having a high income or a lot of money currently, while being wealthy means having sustainable financial resources, including income-generating assets like real estate and stocks, that provide long-term financial security.
Pointing that out to others is called bragging. It is not endearing, not even to people as rich or richer than you. The exception would be fortune-hunters, if that is what you are looking for by asking permission to tell dates that you are a millionaire.
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If you look up “rich” in a dictionary, the most common definition centers on what a person has. Someone who's rich has a lot of possessions and material wealth. So a rich celebrity or social media influencer, for example, might own multiple homes, cars, or jewelry that's worth millions.
Exquisite means to be beautiful in a very delicate and refined way. Similar to the word lovely, when describing people, exquisite denotes an extreme feminine beauty.
In British English slang, a toff is a stereotype for someone with an aristocratic background or belonging to the landed gentry, particularly someone who exudes an air of superiority.
We also say posh. But if you're looking for a negative synonym, it would probably be stuffy, snooty, or snobby. More positive synonyms would be fancy, bougie, and swanky.