
Seth Walsh
The man in the mirror is my only threat
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Being born to parents in the top income quintile is the single best predictor of staying there: only ~7 % of U.S. kids born bottom-quintile ever reach the top, while 40 % of top-quintile kids stay put. Early context sets the base-rate for every later roll of the dice. Opportunity Insights

Wealthy parents don’t just write bigger checks; they buy optionality: safer neighborhoods, less maternal stress, better prenatal care, and the buffer to fail forward. By age 30, children of families in the top wealth decile hold 23× the median assets of children from the bottom half—even after controlling for education. ScienceDirect

Move a child before age 13 from a high-poverty tract to a low-poverty one and adulthood earnings jump 31 %; move after 13 and the gain vanishes. Place shapes peer norms, school budgets, policing, even local job networks. hendren.scholars.harvard.edu

In the UK a private-school alumnus earns a 29 % pay premium after adjusting for family background. Beyond academics, pupils internalize soft-power codes—accent cues, debating clubs, alumni networks—that gatekeep elite jobs. Oxford Academic

Richer newcomers raise rents for long-time residents by ~17 % within five years, nudging poorer families farther from job centers and high-quality schools. Because opportunity flows through proximity (“propinquity”), displacement compounds class silos. Census.gov

College graduates now divorce at roughly half the rate (≈25 %) of those without a high-school diploma (≈47 %). Stable two-income households accumulate assets faster and transmit both money and modeling of conflict resolution. The Center for Divorce Education

When internships aren’t posted, the hiring manager is Dad’s former roommate. Sociologists estimate up to one-third of high-status first jobs are filled informally through extended family networks. Each “I know a person” lifts the odds of landing signals like Goldman Sachs or McKinsey that echo for decades.

Table etiquette, accent neutralization, knowing which fork to use—these trivialities function as gatekeeping filters in law firms, diplomatic service, and C-suite mingling. They’re taught over dinner, not in school, and they reassure elites you’re “one of us.”

Longitudinal data show one SD bump in conscientiousness predicts ~16 % higher lifetime earnings net of IQ and education. Higher-class parenting styles (routine, delayed gratification, firm-but-warm discipline) systematically cultivate this trait. PMC

- Asset-priced inflation: Owning a home during a housing boom creates tax-advantaged leverage the renter never catches up to.
- Early-career risk tolerance: A trust-fund safety net allows unpaid UN internships or failed startups that later explode into elite CV lines.
- Health trajectories: Low-SES kids are 2× likelier to develop chronic conditions by 40, trimming working years and raising medical debt.
- Tech access & data exhaust: Wealthier teens curate digital footprints (coding bootcamps, LinkedIn) that algorithmic recruiters will later favor.
Bottom line

Class isn’t a single barrier—it’s compound interest on dozens of tiny asymmetries that start before birth and keep accruing: education → networks → marriage stability → asset growth. You can’t fake the snowball with “quick money” because the infrastructure of privilege—habits, social circles, risk buffers—takes time to crystallize.
Until policy or collective will flattens these early gradients, the ladder will keep tilting for the kids born