I don't think it's actually as hard or complicated as it may seem. The start you're given definitely has an influence on how simple things may be for you. If you come from a poor family in a poor area, life may seem a little more complicated to you. It's still possible to rise out of any situation though. I think the most important thing is your mindset. Some people just get it set in their mind that they can only make x amount of dollars. There are billionaires who have been millions of dollars in debt, but come back. Most people won't even make that much in their lifetimes, but some people make it twice. I think a person with a millionaire mindset will get back to a millionaire quickly, even if he/she is drained down to $0 for some reason.