The only way to judge someone on BBSs is by what and how they write.
Frankly very few of us (absent realtors) give a rat's behind how much money you have but it's quite obviously very important to you.
The "joke" of making a million in Belize goes something like this:
"How can you leave Belize with a million dollars?"
"Come with two."
There are a few neighborhoods on Ambergris where you won't feel quite as welcome as others. You wouldn't want to live there anyway so it's a moot point. You'll spend your money on a nice place and it will, most likely, be in a nice area.
The only way to know what's right for you is to come visit and walk around.