But that's the thing, by definition, you can't always move up, and in a lot of cases, it's harmful trying to move up when you're really not ready to spend the effort it takes to give there.
It's statistically unlikely that you and your offspring going to perform at world leading levels of being in the 1%. It's the equivalent of buying the best carpentry tools in the industry and then complaining that they're too expensive for your hobby use. If you're going to pay for Harvard/MIT, you're going to get a lot out of them, but the ROI for going to a such expensive school and living in a highly competitive area only works if you can take full advantage by really maximizing connections and getting high grades. If you can't, which is ok, you're just wasting time and money where spending 60% to go to a decent state school and living in a place that isn't next to FAANG office is going to get you 95% of the return in purchasing power.
Sooner people realize you don't have to be the best, richest, smartest, etc to be happy is when people will stop mortgaging their future to try to achieve something they don't actually want.
