Blueveinedthrobber, true, true.
Wilso, I would have to disagree. Not through any direct evidence, but from observation. I've known plenty of people throughout my life -- children and adults alike -- that had unearned riches but were full of character, and those that worked hard for what they had but never gained any trace of true character.
It seems to me that how a person was raised has more to do with their personality than how hard they worked for what they have. Though, that's not saying that hard work never helped out.