That's fair, according to the Walter Isaacson biography, that just came out, Elon Musk left home with very little money, and made everything on his own. He didn't really receive any material support from his family. When his mother and brother joined him, she had to work three jobs to support them.
There are a lot of memes accusing Musk of nepotism, and inheriting his wealth, but that simply is not true
He received $28k from his father and $10k from his mother - in 1995 dollars that is not an insignificant amount of money. But, as far as I know, I agree that it feels false to paint him as someone who succeeded because of generational wealth.
Elon came from a very privileged background. Of late, he's been trying to spin his bio as as plucky guy with little money. His family was upper middle class. Poor little rich boy.