1. Human Capital Does It Increase Your Wages?

2. Human capital is the stock of competencies, knowledge, social and personality attributes, including creativity, cognitive abilities, embodied in the ability to perform labor so as to produce economic value. WikipediaWikipedia

3. The Standard Answer Is Yes

4. But How Can You Accumulate Human Capital? Human Capital costs – Time – Money Human Capital Requires – Talent – Achievement Wh Has the Time, Money, Talent and Achievement to Accumulate Human Capital?

5. Poor Children Have Higher Blood Pressure

6. Poor Children Have Higher Stress

8. Young Poor Children Read Less Well

9. Older Poor Children Read Less Well

10. Poor Children Drop Out of HS

11. Children Test Better as their Families Are Richer

12. Children from Richer Families Go to College

13. Rich Families Send Children to Better Colleges

14. Best Colleges Have Rich Students

15. Richer Students Finish College

19. If your parents are worth $500k to $1 million, You can expect to inherit $200k If they are in the top 1%, you can expect to inherit $2.7 million

20. Adult Children of Poor Parents Are Poor and Visa Versa—Best Predictor of Your Income Is Your Parents’ Income

21. Do We Make Our Own Future? Or Are Our Futures Determined by Our Circumstance?