I help clients buy $400K gifts and handle $900K gambling losses. It's changed how I see wealth.

Olivia Ferney works with the ultrawealthy and says her idea of success has changed.

Courtesy of Olivia Ferney Olivia Ferney coordinates luxury travel and events.

She screens her rich clients and says no to anyone she wouldn't enjoy working with.

She shares memorable client requests on her socials, Travel With Livii.

This as-told-to essay is based on a conversation with Olivia Ferney , chief marketing officer with Top Tier Travel .

It has been edited for length and clarity.

When I was growing up in Canada , raised by two guidance counselors, hearing "no" was a fact of life.

Even for little things, like making a restaurant reservation, I learned to accept I wouldn't always get what I wanted.

Once I started working with the wealthy , I was shocked to learn that no isn't a definite.

With enough money and relationships, there's usually a way to work around a no.

In fact, some of my clients have never been told no in their lives.

Learning that felt enlightening.

My whole life, I'd thought that "no" was final, and suddenly I felt like I'd found a hack.

I could have been figuring things out for my friends and family all along.