Reading Sen. John McCain's, R-Ariz., personal tax returns, which the White House hopeful released today, you'd never know he's the Senate's eighth wealthiest member.

McCain's returns show he earned about $400,000 last year and gave a lot to charity. That's well above the poverty line -- but well below the $27 million to $45 million reflected in McCain's Senate financial disclosures.

The secret? The vast majority of the McCain family wealth comes from Cindy, McCain's second wife, who is heiress to a fortune built by her father, a beer distributor, whose firm she now chairs. Unlike the Obamas and Clintons, the McCains file their taxes separately -- and Cindy's returns are off-limits to the public, the campaign says.

McCain lists no other investments, no retirement funds, no savings, no properties.