You don't need "generational wealth" to leverage AI. If anything the opposite is true; AI empowers people with less to do more. Hiring humans is expensive, tokens are much cheaper.

Also, programmers will be least negatively affected by AI. Humans will need to be in the loop in the forseable future, and programmers are a good candidate for those kinds of positions.

But more generally, I'll never understand this attitude about jobs. As if your job is this thing that you own that someone might take away from you. To me, my job is is something useful that I do in exchange for money. If I cease to be useful then it's fine if I lose my job. I'll find somewhere else to work, somewhere I can be useful. It might be paid worse of lower status but, to me, being useful is the whole point.