They had very different circumstances:
Bill Gates was the son of made parents, his father was a partner within the firm Preston Gates & Ellis, his mother was on board of directors for First Interstate BancSystem and therefore the United Way.
Bill got a sweetheart deal from IBM, partially thanks to his mother serving on the United Way board with Jon Opel, chair of IBM.
Steve Jobs was adopted by Paul Jobs, a mechanic and a carpenter, and Clara Jobs, who was a payroll clerk for Varian Associates. Neither of his adoptive parents had the chance to attend college.
Jobs sold his minivan and Wozniak sold his HP scientific calculator to initially fund development of the Apple I.
If you've got the choice of being born to oldsters with extreme wealth and connections, I highly recommend it over fundraising.