How? Just how do so many people afford 2+ mil secondary homes in florida?

I’m not talking about your $500k condo in gulf shores. I’m talking about 5-10mil homes in florida on the beach that are mostly vacation homes. I want to know how this type of money was amassed. I feel like that scene in wolf of Wall Street where Donnie walks up to Jordan B in the coffee shop. “I’ll quit my job right now and come work for you if you show me a pay stub”

I have a good paying job and still want to know how so many people can afford these things. Again, I’m not talking about a handful of very successful people. Lots and lots of homes 2mil++. How do they do it?