Being born into money or not has no relevance, or even coming from a middle-class family (if that even really exists anymore).
If you win the lotto or whatever that makes you a shit load of money, if you go broke you are an utter fucking moron. Barring total economic collapse of course...
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"The towers are gone now, reduced to bloody rubble, along with all hopes for Peace in Our Time, in the United States or any other country. Make no mistake about it: We are At War now -- with somebody -- and we will stay At War with that mysterious Enemy for the rest of our lives." H.S.T. 09/12/01