I used to sell recreational vehicles to farmers and the experience was almost universally what I described above. I know that not all farmers have money, but they have a shit load of actual value, and the ones I dealt with also had a lot of money. The small family farm is almost extinct. Like you said, most of them now were born into millions of dollars worth of assets and live pretty comfortable lives. Granted, my experience is only limited to a single region in a single state, so it might be completely different in other places.