According to this chart, there are two major wealth barriers for the top 1% of the population

1. The rapid growth of wealth between 30-40 is a barrier, and rapid growth is necessary, which is very realistic. This age group is the stage with the highest comprehensive energy and intelligence

2. The period between 40-50 is a barrier, and at this stage, you need to save enough for retirement, although I think 10 million US dollars is a bit low

The reality for most people is that they can't find a job after graduating from college, and they are laid off in their early 30s. In their entire lives, they can't even cross the lowest threshold of 18-24 in the top 1% in the figure below

Big Brother can help you achieve the wealth growth rate in the figure below (provided that you believe it), but you need to work hard to cross this 1% threshold