Just wanted to point out that assuming careers and business success follows into a normal distribution is probably a poor assumption. Given the tremendous successes and wealth some people have created for themselves, the average working person is essentially just a few steps above zero. I know a few millionaires, but I don't know anyone who is personally in debt millions of dollars (although I'm sure they exist) with no hope/skills/connection to make money again, as they obviously had something going on to get in that position in the first place. There is a quote by Donald Trump, something about how during one of his darker moments in his business life, he walked by a homeless guy on the street, and thought "that guy is worth a billion dollars more than I am". Obviously that is true on paper, but the homeless guy also did not have the resources to get their in the first place, much less make it back and become successful.