Nouveau Riche Or Real Source??? Praise Or Pitfall?

I'm seeking any current info on Nouveau Riche, Real Source, or any similar programs NWMk'd or not. A friend is considering joining, so any advice appreciated.
What IS the best education in your opinions?
What IS the best "concierge" contact to use?
What IS the best way to use a spare $16k? :-o

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