The luckiest are those who only become wealthy around the age of 40.

Having money too early, most people simply can't handle it.
Achieving success at a young age often leads to falling into poverty again in middle age, and wealth gained late in life leaves little energy to enjoy it, all for the benefit of their children.
Only reaching financial stability in middle age is the most appropriate and fulfilling.
Having gone through half a lifetime, experienced the ups and downs of the world, tasted the coldness and warmth of human relationships, seen through the fickleness of society, and also streamlined the social circle, no longer wasting energy on unnecessary internal conflicts.