I've had friends who were refugees from different places at different times.

They left everything behind.

But not everything.

Some still had their family, or part of it.

They all still had whatever they carried inside them: their knowledge, skills, wisdom, memories, likes/dislikes, ... They were able to start over, from nothing. I've had the opportunity to observe some of them get ahead of people who were born here with reasonably well-off parents.

I have never been a refugee, but I have been "wiped out" more than once. When it happened, I used my skills and experience to get/keep a job and then to get back up again. I learned to avoid putting myself into situations where I could get wiped out again. If it happens, it's not the end of the world, it's not the end of your life, it's not even the end of your "rat race". If it happens, it can be a vital learning experience; it can actually help you become a better, stronger person inside in the long run.

I would never wish being wiped out upon anybody. Yet, I would never trade the things I gained by traveling that road for mere money.

Remember this: One day will be your last. When it arrives, your net worth won't be the most important thing. How you treated others will be what matters to you at that point. How did you make this world a little bit better than you found it? Or did you? What do you want your obituary to say? Figure that out, then get started to make your life such that your obituary will say what you envision. Begin with the end in mind.