When you reach a million dollars net worth, you gain the ability to prestige for merit points. Each merit point biases your chances to be born to upper-middle class parents by 0.05%. As you earn more than $1m, you gain progress towards more merit points, with diminishing returns on money earned. Merit points also increase your credit score accruance rate, your insurance haggling rating, and your boobacoin mining algorithm efficiency for your next game.
Once you reach a 100% chance to be born to upper-middle class parents, you may exchange your merit points for visionary points. Visionary points make your merit points more effective, and add a new event where you can invest 10 years of your life on a startup idea, which has a chance (proportional to visionary points) to get bought up by an angel investor. For some reason, it gives the same status effect and bonuses as the "jacking off" minigame.