Morgan Curtis's life story is the American Dream in reverse. Her great, great, great grandfather was a banker in early 1800s New York – he invested in railroads, while his brother invested in Central American mines. The family wealth grew as it passed through the generations, and Curtis's father added to the pile as a management consultant for "major" firms. Naturally, Curtis had a gilded childhood: educated in west London private schools; going on annual Swiss ski holidays; her own pony. But today, Curtis, now 30, lives on a farm in California with 40 other people. She lives on $25,000 (£20,000) a year.
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