Describes a person, family, or lifestyle with substantial financial resources. Often used in formal or written contexts, but also natural in everyday speech.
He was born into a wealthy family.
Wealthier countries tend to have higher education standards.
He grew up in an affluent family.
My grandparents live comfortably and affluently.
After getting married, she has been leading an affluent lifestyle.
裕福 is a na-adjective describing the state of being well-off, whereas お金持ち is a noun that directly refers to a wealthy person.
裕福 is a common, everyday word for being financially well-off, while 富貴 is a literary term that also implies rank or honor.