The term 'RAGS-to-riches' is a phrase that is used to describe a person who has gone from poverty to wealth. It is often used to describe a person who has achieved success through hard work and determination. The phrase is derived from the fairy tale of Cinderella, in which a poor girl is transformed into a princess. The phrase is also used to describe people who have achieved success in business or other endeavors. The phrase is a reminder that anyone can achieve success if they are willing to put in the effort.