In Graph 1; unless you are lucky to be born in a wealthy family, your personal wealth (driven by your earning potential) starts from the bottom. Your wealth will grow or stagnate depending on your productivity, financial discipline and shrewdness. Many people start earning at the age of 20; and reach their productivity peak at the age of 45. After this time, they start losing momentum, energy, as different health challenges take a toll on their work ethic. Beyond this age, productivity starts decline. If you solely rely on your capabilities (earning only when you are working), your net worth…