14 Phrases to Handle Show-Offs Who Pretend They Have Tons of Money

14 Phrases to Handle Show-Offs Who Pretend They Have Tons of Money

We’ve all had that moment—stuck in a conversation with someone who can’t stop talking about their supposed fabulous life. It’s a nonstop reel of “Look at my luxury this” and “Check out my fancy that.” Instead of rolling your eyes or zoning out, try these down-to-earth phrases to handle the humble-braggers without diving into their show-off spiral. Here’s how to keep it chill, steer the convo, and maybe even add a bit of humor.

1. “Wow, that’s cool! What made you choose that?”

When someone’s rattling on about their luxury buys, asking why they picked it can totally catch them off guard. You’re not jumping on the “impressed” bandwagon, instead, you’re acting curious about the choice itself. It flips the convo to something a little more real and might even reveal they didn’t think that deep about it.

2. “Nice! Do you feel like it’s worth the splurge?”

This one’s a classic. You’re acknowledging their fancy buy without totally fawning over it. By asking if it’s worth it, you’re hinting that “expensive” doesn’t always mean “amazing.” And hey, if they stumble here, it might just mean they’re all flash, no substance.

3. “You really know your high-end stuff!”

If they’re tossing out luxury brand names left and right, this one’s great. It gives them a little nod without getting wrapped up in their ego-fest. You’re admiring their knowledge but steering clear of worshipping their wallet. They’ll either dive deeper into explaining—or they might realize they’re kinda showing off.

4. “How does it stack up against other brands?”

This keeps them talking but on your terms. If they can’t really explain why it’s better, you’ve gracefully called them out for being a little two-dimensional. You’re no longer a passive listener—you’re making them work for it. It’s like saying, “Prove it” without actually saying that.

5. “That’s awesome, Must’ve taken a lot to get there.”

Sometimes a little compliment puts things in perspective. Instead of getting wowed by the item, you’re instead giving a bit of praise of what it took to get there. If they dodge this or downplay it, it might mean they’re less about hard work and more about flaunting.

6. “How long did you save up for that?”

This one’s subtle but effective. Asking about saving up brings it back to reality and makes the luxury item sound more like a practical choice. If they’re just throwing out dollar signs to impress, they might get a bit uncomfortable. Mission accomplished.

7. “Oh, I haven’t heard of that. What’s special about it?”

This question is gold when someone’s name-dropping brands and trying to show off. It’s a way of saying, “Alright, tell me what makes this so amazing.” If all they’ve got is “It’s expensive,” then you’ve managed to bring their bragging down a notch.

8. “Does it actually live up to all the hype?”

Instead of going along with the “OMG” reaction they want, you’re bringing it back to earth. Asking if something lives up to the hype can put them on the spot in a good way without sounding too bitter. It says you’re interested but not instantly impressed by the price tag.

9. “Sounds great! What’s your favorite part about it?”

This one’s easygoing and friendly but does the job. They might go on about features or experiences, but if it’s just about “I paid X amount,” it’s telling that all they care about is the dollar value. You’re moving the convo into actual enjoyment rather than the dollar signs.

10. “I’d love to check it out sometime.”

They keep talking up their fancy house, car, or whatever? This one’s a fun twist. If they’re bluffing or not as “set” as they claim, they might not love the idea of you actually seeing it. It keeps things real and can even be an invitation to connect for real, if they’re genuine.

11. “What got you interested in that, anyway?”

By focusing on the “why” instead of the “what,” you steer the conversation into a story instead of a brag. And hey, if there’s a cool story behind it, great! If not, you’ve just gently exposed the fact that their enthusiasm is more for show than substance.

12. “Wow, you must’ve put a lot of thought into it.”

This one keeps it grounded. You’re acknowledging the decision, but you’re not hyping up the cash. If they respond by focusing on the money again, it says a lot about their priorities. It’s a polite way of keeping things real without sounding dismissive.

13. “Big commitment, huh?”

Great for when they’re on about their luxury gym, club, or other high-end memberships. It flips the brag into something a little more… responsible. Now they’re talking about the actual commitment rather than just the glamorous side of things.

14. “That’s cool! Do you think it’s really worth the investment?”

This one’s a perfect closer. You’re giving them a bit of credit but putting the focus back on value, not cost. It’s like saying, “I see what you did there, but let’s talk substance.” And if they take the bait, you might even end up in a meaningful convo instead of a brag-fest.

This content was created by a real person with the assistance of AI.

Georgia is a self-help enthusiast and writer dedicated to exploring how better relationships lead to a better life. With a passion for personal growth, she breaks down the best insights on communication, boundaries, and connection into practical, relatable advice. Her goal is to help readers build stronger, healthier relationships—starting with the one they have with themselves.