Live Your Life - In Fact Grab It By The Gizzards!
True, it's a combination of luck/good fortune and hard work. If you wait around on the couch all day trying to get lucky and successful that's probably not going to happen.
But I still think luck or good fortune explains most of it. For instance, if I was born into a poor family in India, and put in the same amount of effort, would I still be retired and own a boat? Doubtful.
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