why does he have so much money
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Zaroff made wise investments that left him well off financially. He had no worries about money. He was rich.
"After the debacle in Russia I left the country, for it was imprudent for an officer of the Czar to stay there. Many noble Russians lost everything. I, luckily, had invested heavily in American securities, so I shall never have to open a tearoom in Monte Carlo or drive a taxi in Paris.
The Most Dangerous Game