Beyond Luck

Besides, no one could tell whether they were lucky or not, especially in the real estate industry. Many people made a fortune halfway into the upper class, and Holden was one of them.

You say he's a nouveau riche, but not quite. The money Orson gave him at that time did play a key role. When he was desperate, the bank helped Holden. It was also because of Orson's name that the bank was willing to