Right, but how many of those billionaires started as millionaires (or were born into a millionaire family)? When you have generational wealth, it's much easier to take risks.

What do you mean 'which is it'? imesh didn't say anything contradictory.

But thank you for bringing some more relevant evidence.

It's good that inheritance seems to be less than half at all levels. But I'd still say getting it for free is 'best'.