Of course, all people need to take responsibility for making good decisions that lead to good Financial Health. But it’s also important to recognize the factors that lead to high wealth and how much is due simply to an accident of birth.

Here’s the thing: People from different generations, raised by different parents who earned different incomes and held different values, in different parts of the world, born into different economies, experiencing different job markets with different incentives and different degrees of luck, learn very different lessons.