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Of course the true value of the asset will be less then this because risky assets aren't worth as much on average. However, as a starting point we can compute the present value of such an annuity:

http://en.wikipedia.org/wiki/Time_value_of_money#Present_value_of_an_annuity_for_n_payment_periods

and consider how much money we should deduct from the value of this asset for risk. Additionally, we must also consider weather the earning difference is due to the educational difference or simply the difference in ambition between the two groups of people.