He inherited his assets and the poster above is right: if TRump had put his inherited cash in an index fund, he'd have more money today.
The tax return he did release is not that of a billionaire, according to tax experts I have read. He will not release any more returns.
Plus, if he is worth so much money, why will New York Banks not lend him anymore? He is clearly a bad credit risk.
He had to borrow money from Russians, ie, Putin controlled oligarchs. And that is why he got mixed up with them and why Russia is now able to control so much of our politics. They got their foot in the door with TRump and his need for cash.
He has had to file bankruptcy 6 times.
See: http://www.washingtonpost.com/politics/2016/live-updates/general-election/real-time-fact-checking-and-analysis-of-the-first-presidential-debate/fact-check-has-trump-declared-bankruptcy-four-or-six-times/
Edited to correct myself:
According to CNN and to Forbes, Trump is worth $3.1 billion. I was very wrong.
Very sorry, my friend.
http://money.cnn.com/2017/10/17/news/trump-billionaires-forbes-richest-americans/index.html
Mark Cuban, who is a billionaire, has made the statement many times that Trump is not a billionaire. 
How does he know?
I'm hopeful that we will find out more about Trump's finances through Muller's investigations. If his investigations are allowed to come to fruition.
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