My dad came to America with the clothes on his back in the ’70s. He read English but didn’t speak it proficiently (it’s his 6th language…or maybe even later than that, but I’m not sure as I can only think of 5 other ones that he learned before it). He came out of a war-torn country and had to financially support 10 people on a minimum wage salary. He was in his late twenties and didn’t take a cent of welfare money. He married my mom when she had 5 digits of student debt. My parents are now millionaires. Their story is quite frankly amazing and my dad has taught me excellent financial habits. Without anything, my dad could indubitably turn everything around a second time…possibly more easily, as he speaks more English now.