In 1982 I was in that top 5%. I did not write hot checks, there were no ATM machines then. In 1982 the oil field went down the tubes and I had no income for the next 2-1/2 as I went back to University to obtain a new degree. I did not write hot checks even though I was then in the last percent wish was zero. I lived on my savings which quickly went to zero. I then lived on the sale of my home and aircraft. I did not write hot checks.
When I graduated again I was then thankfully in that top 5%. I still do not write hot checks. I have worked as a deckhand, roughneck, drilling fluids tech, pilot, and pharmacist. I was able to do this from work ethic instilled by grandparents whom were a product of the depression.
The point of my post is anyone in our great nation can be anything they want so long as the do not have mental or physical handicap the prevents them from their goal.
ps
I am glad that someone had over a million dollars in the bank. Each and every person that gave me a job over the last 47 years were millionaires, and they earned it.
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