It's really sort of an interesting debacle. There's opportunities out there for both privileged and underprivileged families but often times the underprivileged are left completely oblivious while the privileged take full advantage. When you're rich, you're not just monetarily wealthy. You gain a lot of social and cultural capital that helps you maintain your wealth and assets, and that's something that frankly many poor people just don't get the opportunity to learn about. Believe it or not, most wealthy people who have been wealthy for a while are very good at knowing what helps them remain wealthy. In contrast, many underprivileged families don't know much about saving money at all. There's a great book that goes into a lot of detail about this. It's called the Meritocracy Myth. http://www.amazon.com/Meritocracy-Myth-Stephen-J-McNamee/dp/...