Who benefits from where you are in life? That’s a question I started asking myself in college—and it changed the way I see the world. Systems aren’t random; they are built around incentives, and those incentives dictate who wins and who stays stuck. The system is set up to pay for sickness, not health, and to reward mainstream financial institutions for serving those who are financially well, while shadow lenders reap exorbitant profits from those who struggle. That’s just the reality. The real question is: What can you do about it? Because if someone else is benefiting from where you are, you should be too. Did you catch that?