As a child brought up with fairly wealthy parents, and more benefits then most children recieve, I feel I have a bit of "expertise" to offer. I have come to the conclusion, that when in comes to your childhood, how you're raised is far more important than how much money fuels it. Parents who value intelligence are more likely to have intelligent children, in my experience. Although money can help, having good parents, a good, safe place to live and good friends make a better life then money can offer. I must admit, money has improved my life in a few aspects, but without it, I would still be very satisfied with myself. It is a factor, but there are far more contributing ones.