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> If I had a "small $1 million loan" right now

... then your fate would be similar to the fate of a typical big lottery winner: having all your money spent in a few years and your life derailed.

Children of wealthy people succeed not because of inherited money, but because of wealth management habits they learned from their parents.

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They succeed because of connections, plain and simple.

It's not zero sum. As somebody who has come from money and made a lot of money in a field entirely unrelated to my parents and with zero financial help from them after university, a lot of the disparities I see between myself and others in my situation who came from more disadvantaged backgrounds is that they spend their money far less wisely because they think that, for example, a house in the country will make them happy. I know from my childhood that is not necessarily the case.

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