A lot of those billionares were born that way. I suspect that to understand what to do with that kind of money, you've got to have been without it at some point in your life.
The ones who were born with it are often quite interested in wealth-preservation as well, to pass the money on in turn to their own heirs. Rather than spending it on something risky, they're more likely to put it in, say, a generation-skipping trust that makes diversified investments.
