There’s the well-known wisdom that “The first generation in a family makes money (goes from rags to riches); the second generation holds or keeps the money; and the third generation squanders or loses the money (and so goes back to rags) (http://www.englishclub.com/ref/Sayings/R/). The Chinese have expressed this more succinctly, even if more inscrutably, in their saw “Wealth does not pass three generations” (http://ejmas.com/pt/2012pt/ptart_tong_teacher24-1210.html). How should this be keyed in with the above? The first generation are the dreamers and the third the lazy? What then does that make the second?
offshore westerly 
There’s the well-known wisdom that “The first generation in a family makes money (goes from rags to riches); the second generation holds or keeps the money; and the third generation squanders or loses the money (and so goes back to rags) (http://www.englishclub.com/ref/Sayings/R/). The Chinese have expressed this more succinctly, even if more inscrutably, in their saw “Wealth does not pass three generations” (http://ejmas.com/pt/2012pt/ptart_tong_teacher24-1210.html). How should this be keyed in with the above? The first generation are the dreamers and the third the lazy? What then does that make the second?