Kids coming from wealthy families have a huge head start, and a financial fall back/safety net if they get into trouble. They are born on 3rd base, and making a home run is fairly easy. I’ve had classmates that got brand new BMW’s when they were 16, houses for wedding presents, and college fully paid for. Even if they failed at life, the bank of Mom & Dad bailed them out and they stand to inherit +$10 million, so they don’t even worry about retirement.
