This as-told-to essay is based on a conversation with Layton Cox, 35, a consultant based in Rosemary Beach, Florida. Business Insider has verified his country club membership and income. This piece has been edited for length and clarity. My wife and I moved from Dallas to Rosemary Beach in the Florida Panhandle at the end of 2021. A big goal of ours was finding our tribe in this part of the state. When we found out about a local country club , we joined in late 2023 with the expectation that we'