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This is a story about two girls who are the exact same age but enter adulthood with completely different opportunities to build wealth. Meet Priya and Sarah. In high school, Priya never got an allowance. Sarah got $50 a week. Priya never got to go on family vacations and never really got things that she wanted. Sarah went on lots of family trips and Christmases were really fun. Then they go to university. Priya works two jobs to support herself and has to take out student loans. Sarah takes out no student loans because her parents saved for her education. Priya graduates with student loan debt. Sarah graduates debt free. Then they enter the workforce. Priya's thrilled to get a $42,000 dollar a year job because her parents never received a salaried position. They always worked hourly. Sarah lands a $60,000 entry level job through her parents network. Priya starts giving her parents $1000 a month to help with the mortgage and expenses at home. Sarah gets to invest that same $1000 because Sarah's parents taught her about investing. She opens a TFSA and starts investing right away. Priya is paying her bills, her student loans, helping her family and just trying to get by and survive. And now they're 23. Priya's net worth is negative $22,000 because of her student loans. Sarah is up $31,000. That's a $53,000 wealth gap. But Priya and Sarah were never starting from the same place. And that is a context that's missing from so much financial advice. If your a daughter of immigrants who's trying to build wealth from a different starting point, that's exactly what we talk about here on my page.