@Reb Eliezer…………….
I am 5th generation American
My parents and grandparents were college graduates, professionals or business owners.
I grew up in comfortable circumstances, as in the mid 1950s when a middle class white collar worker made $7.000 per year, my father was making between $75+100K.
I invested early, buying my first rental 3 family house for $27,000 ($3,000 down and a bank mortgage) at the age of 21. The money came from my earnings.
I didn’t inherit wealth, I was given benefits that allowed an Ivy League education and entre to certain people and organizations that allowed me to make and accumulate a large amount of money.
When my parents died, the only inheritance I received were personal effects, such as jewelry.
If one was raised in a family of means, one is not Noveau riche if he makes his own money and continues to be able to live at a similar or better lifestyle than the previous generation.
B”H my parents and grandparents lived into their mid 90s. They retired in their mid 60s, their children encouraged them to live well and enjoy their accumulated wealth, not worry about leaving it to us.