RE: Having kids rules out most people from amassing great wealth.
I've been trading/playing penny stocks for decades and would be have much more wealth in $$$ if my trading income wasn't my primary source of funds for the the greater part of those decades) But, the profits allowed me to raise my kids in a decent zip code, pay my mortgage and taxes, put food on the table and braces in their mouths, help with cars, homes, college (UCLA) etc.
And --> I started with only 4 figures of trading capital.
That said, I view my family and children as my real wealth: 6 kids and 13 grandchildren.
My daughter and her husband (who has multi million dollar business) live on large property with 2 homes. Awhile back she suggested that my wife and I come and live in their extra house. I told her I wasn't quite ready for that. She said "well, maybe in 9 years or so" ---> which - at the time - was when I would turn 75.
in 1998 I visited a little company in So. Calif that I bot shares of starting at .03 per share. Company had 7 employees at the time. One of the gals that worked at the company got some shares. CEO told me later that she paid off her house with those shares ---> stock went to nearly $20.00. Unfortunately it went belly up in 2000 when the dotcom busted.
You may not be able to understand what I am about to say -- but that's OK
IF EVER YOU HAVE ONE PENNY STOCK THAT TAKES YOU FROM 4 FIGURES TO 7 FIGURES YOU WILL BE HOOKED ON PENNY STOCKS FOR LIFE!
Market Data 
Markets 
AI
