Excuse me, but could you clarify your thoughts on the common assumption that millionaires tend to own yachts? Is this a stereotype that's grounded in reality, or is it more of a societal misconception? If indeed millionaires frequently possess yachts, could you elaborate on the possible reasons behind this trend? Furthermore, what implications does this supposed ownership have on the overall financial well-being and investment strategies of these individuals? Lastly, are there any notable exceptions to this rule, where millionaires choose not to own yachts for various reasons?