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People discount the fact that we tend to roll in cohorts. It's unlikely that you'll be vastly more successful than your friends; what tends to happen is we self-select for our level of achievement as we age. Robert Caro said "power doesn't corrupt, it reveals." I think the same could be said about money. It's certainly a lot easier to be magnanimous and generous when you have enough; I think that's one of the reasons Trump won. All the people who used to be generous can't be anymore.