my best friend up in PA is the son of multi-billionaires. he is 23 and has millions himself from his own ventures. He lives fairly modestly (as does the rest of his family. scary modestly actually…). But you are 100% correct on this. for him, financial stability and success in life has been pretty much guaranteed from birth. I can only wonder what the burden of never having something out of your reach must be like. I know that might sound funny, but from watching him I can see that theres some truth to it.