Bill Gates was the son of wealthy parents, his father was a partner in the law firm Preston Gates & Ellis, his mother was on board of directors for First Interstate BancSystem and the United Way.
Bill got a sweetheart deal from IBM, in part due to his mother serving on the United Way board with Jon Opel, chair of IBM.
Steve Jobs was adopted by Paul Jobs, a mechanic and a carpenter, and Clara Jobs, who was a payroll clerk for Varian Associates. Neither of his adoptive parents had the opportunity to attend college.
Jobs sold his minivan and Wozniak sold his HP scientific calculator to initially fund development of the Apple I.
If you have the option of being born to parents with extreme wealth and connections, I highly recommend it over fundraising.