Indeed. The statistics in the US are something like 90+% of the very wealthy at any one time in the US did not have any "family money" or inheritance to prop them up. In other words, virtually all the very wealthy in the US are completely self-made, statistically.
That's all very well and good. But what about the rest of us "poor" slobs?
Which is why the US needs a middle class and why the middle class made the US the richest country by far. All countries have those idle rich who inherit ---we have them too ---sort of the aristocrats ---they can work if they feel like it --but they don't have to. Then we have the self-made wealthy who worked their way up ---sometimes all the way from the bottom ---but they require a middle class in order to do that. I know people who retired from bank president jobs who said they started out as errand boy and worked their way up and studied along the way. That's what middle class is all about --- in countries like Mexico, you can work as hard as you like if you're poor and you're not going anywhere ---unless of course you go to the US where there's a middle class.