Generational wealth sounds huge, but it starts with one person who learned to save and taught someone else.

Big family changes begin at an unimpressive scale. The first person keeps a little back rather than spending everything, learns how the basic systems work, then explains it to a sibling or a child who starts ten years earlier than they did. Nothing about that is dramatic and it compounds across decades. What looks like inherited advantage usually began as one ordinary person working something out.

Learn one practical piece this year: how interest works, how to open the right account, what a payslip actually says. Then tell somebody younger. The teaching is the part that carries.