We consider an intergenerational and educational investment stochastic model to determine the effects of efficacy in education on affluence over time. Efficacy in education, defined by the success probability of intergenerational education, seriously affects the affluence in the long run of families concerned with the prosperity of descendants. This is because since lenders of educational investment funds cannot take collateral for humanitarian reasons, families without sufficient wealth are excluded from educational opportunities. If education is more effective, the accumulation of wealth releases more households from the threat of bankruptcy in the future.