I have to question the authors motion that he acquired that kind of material wealth by simply working for it. I've found in my 'random encounters' with wealthy people that it is more common for the said person to be born of benefits and then for their own reasons like to claim they busted there *** to get it or they are smarter. More often then not said persons parents carried them through the first 25 years of life helping them get a good education and excellent credit. I'm sorry I just don't believe it. On the flipside I've also known people who foolishly sunk every penny and then borrowed the rest on credit to own a car that is way too expensive.