That might (or might not) be true materially; but I would not ignore the psychological effects of growing up financially secure vs. not, and what it tends to do to your capacity to take financial risks specifically. If you don&#x27;t even hardly know what it feels like to have no safety net at all, if you know you do have a safety net in the form of family that will help you out if things get _really_ bad, at least to keep you off the streets.... it&#x27;s easier to take risks &quot;without anything to fall back on.&quot;  If, on the other hand, you know exactly what it really looks like to be at the bottom with truly nothing to fall back on...