This is the biggest difference between myself and my brother.

My dad is fairly well off having run a company for decades at this point and I knew I didn't want to lean on that. So I went on my own career path.

My brother decided to join the family company. Over the past 20 years he was gifted 50 percent of the company as a bonus. He didn't understand that he's only in that situation because the owner was his dad. He's never understood how big of a safety net the two of us had growing up. He genuinely thinks that his hard work is the sole reason for his position in life and that anybody that's willing to work as hard as he did (and he did, I won't deny it) would be on a similar situation as himself.

The luck factor is also called opportunity. People succeed financially because they had some opportunity arise that enabled the success to be a possibility. Be it a random chance that they were given a job interview, that their dad owns a company they can start at, or they happened to grow up in an area with good education options they could lean on to develop skills, or just a serious safety-net.

I had option 2 and 4, but used option 3 to eventually get option 1. I'm mostly unsatisfied with the world because I wish everybody had option 3 and 4 to start with regardless of family.