There's another aspect to it though .....
Last summer i was talking with on of my new clients. (I love to gather people's stories so that i might learn something new.)
As it turned out, he was a retired executive that owned his own company. He was a man of few words but did say that more than anything he owed his success simply to good luck.
Sometimes it's just a turn of the card that will set a whole series of events in motion. Perhaps you're in the right place at the right time where that golden opportunity presents itself.
Conversely .... sometimes bad things happen to good people. Maybe they were just sitting on the beach on a beautiful day when a tsunami came and washed them away.
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