The author touches on your point (I moved it up to the top as an excerpt to be sure it wasn’t lost due to the length of the article).
There are many things any body can do that will help them gather and keep resources which, if one considers the generational accumulative impact, will result in eventual wealth accumulation.
For example, when you buy things like furniture, buy as high quality that you can afford, even if you have to go a bit into debt to buy it. If the table, for example, is of a high enough quality, that is something that can be passed on to one’s children. If they were given a table, that is something they won’t have to buy and then can use the money they would have had to spend to either acquire other nice furniture or they could devote those funds to furthering their education or to open up a business.
When doing it right, just about everybody can improve their situation or place themselves where their children will be in a better situation.
Most wealth in America, unless you were extremely lucky in life, is accumulative across the generations. If you came to America today, without a dime and worked like a dog from sunrise to sunset, you’re not the one who will be wealthy, but your children will be middle class and your grandchildren will be the ones to become wealthy.