Denis, you've dedicated a significant amount of effort to discussing the topic of money, and for that, I commend you. However, I believe it's essential to acknowledge the pivotal role luck plays in wealth accumulation. While it's true that assets and stocks can increase in value, they can also plummet, leading many to financial ruin. In my opinion, acquiring wealth is 95% luck and 5% strategic effort. This ratio underscores why only a small percentage of the population becomes self-made millionaires, whereas the majority inherit their wealth. I don’t mean to undermine your insightful post or the hard work you've put into it. I only aim to highlight the importance of considering both luck and the potential for varied outcomes when discussing finances. Wishing you a fantastic day, my friend.