My father was arguably a self-made millionaire, even though he wouldn't have described himself that way. (He wasn't hugely wealthy, but he did live a couple of

My father was arguably a self-made millionaire, even though he wouldn't have described himself that way. (He wasn't hugely wealthy, but he did live a couple of decades with FU money.) He was literally born in a log cabin, with an outhouse, and rode horses to school. He was a migrant farm worker as a kid and young adult. Yes, it was worth it. He got to spend money on his kids and grandkids. He got to do pretty much what he wanted to do with his time. He had a much better life than his parents. The rest of your questions make assumptions that simply aren't relevant. You have a very limited view of how one can build wealth.