It's more difficult and improbable than you'd think to significantly raise your financial position in life above that of your parents. I pretty much default to assuming everyone's financial level in life is mostly inherited (if not directly, indirectly through the way they were raised and taught). Most rich people you meet were born rich. Some inherited it, and some just inherited the right life lessons and made it on their own. But the "rags to riches" thing is pretty insanely rare.
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