That morning, I had an appointment with my financial advisor to discuss renewing an investment that was about to mature.

Fifteen million dollars might not be much compared to the super-rich, but it was still a decent amount for a performance report, so my financial advisor was happily preparing the renewal contract for me.

As she was putting away the documents, she casually chatted with me, "Ms. Rand, your baby must be a hundred days old now, right?"

I nodded—part of the ...