Create a highly clickable YouTube thumbnail for a viral video titled "How Billionaires Spend Their Money". STYLE: * Ultra-realistic, cinematic, high contrast, 4K quality * Dark luxury aesthetic (black, gold, deep shadows) SCENE: * A billionaire (face partially hidden or shadowed for mystery) sitting in a private jet OR standing in front of a luxury mansion * On one side: stacks of cash ($100 bills), gold bars, expensive watches * On the other side: something shocking/exaggerated (burning money, money being thrown, or ridiculously expensive item like a golden toilet or private island) COMPOSITION: * Split contrast (rich vs insane spending) * Close-up framing, zoomed in * Subject slightly off-center (rule of thirds) EMOTION: * Mystery + power + “this is insane” feeling * Make viewer think: "What are they doing with all that money?" TEXT ON THUMBNAIL: * MAX 3 words only: Examples: "INSANE SPENDING" "THEY WASTE THIS?" "BILLIONS GONE" TEXT STYLE: * Bold, big, glowing * Yellow/white text with black shadow LIGHTING: * Dramatic lighting (one side bright, one side dark) * Gold reflections, luxury highlights EXTRA DETAILS: * Add subtle motion blur or glow for energy * Make it look like a movie scene, not a stock image OUTPUT: * 16:9 ratio * Optimized for YouTube CTR (mobile-first visibility)