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That's a valid problem, actually.
It's hard to decide on what's the moral limit (a million, a billion, a trillion dollars?), but there's a point in which your success may be hindering the possibility of progress/survival for others. I'm not sure there's an uncontroversial way to come with this moral ceiling: If you earn twice the average of your fellow countrymen? 10 times more than the global average? More money than you could possibly spend? I'm inclined to stick to this last question as a guide to how much money is immoral, although that's just as random.
If I were loaded like, let's say, Bill Gates, I'd probably feel it's morally wrong to use the money just for myself - reason why he's now fighting a crusade against polio himself. Not because of the figures, but because it's painfully obvious you can't use all that money with one's self even if you wanted to, so you might as well help those who need.
As for having a harem, if all people involved are okay with it, I don't see how that could be immoral though. Sure, 49 blokes would be left with nothing but their hands, but if the women involved would rather be with you than with them, forcing them to choose these poor fellows over you sounds even more immoral than being loaded.
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