Reasons people aren't rich:<p>1. children<p>2. hasn't developed an enriching skill<p>3. network isn't rich and/or reinforcing<p>4. bad financial planning<p>5. addiction<p>6. work ethic<p>I think each of these is more relevant than others to different individuals and at different times in peoples lives. but the stronger you score at all of these the better your chances. not in any order.