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  Usually, those with high incomes have trained, qualified and gone to Uni to get the necessary education so they can progress in their chosen career; they will also have gone on to train in what they want to do.
  
  Usually, those on low income have little or no education or qualifications, so cannot get high income jobs. There are obviously exceptions to this, but the important or relevant word is "usually".
  It's not necessarily just hard-work that brings high financial rewards or benefits, many are "over-active under-achievers.
  
  
  
  Roger

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