You are born into a family that is in the top 10%.  You are one of the richest people in the world, And there is nothing that you can't have.

Skill Proficiencies: You are proficient in Insight and Intimidation (charisma based)

Languages: Common and Elvish, elvish being the 'Rich' language.

Equipment: Daddy's Credit card.  You can use this card as many times as you want, and you can use it to buy any item that doesn't require gold.