Compile a list of factors (6 or more) that might affect students' ability to accumulate wealth over their lifetimes. Some Examples: Good schooling College and post-graduate degrees Connections - how people find out about job or internship opportunities. Some studies suggest that 80-95% of jobs are obtained not through want ads but word of mouth. Are your friends and relatives managers and professionals? Construction workers or members of a union? Employees of McDonald's? Skill set - e.g., auto mechanic, machinist, electrician, computer programming, etc