I think few of us would dispute that luck is a factor. But the difference between Zippy and most hard-working Americans (aside from being American and working hard) is that we don’t think that luck is the primary factor.
Most of us realize that you can work your tail off digging ditches and you will not get rich. You need to direct that work toward something with a payoff, or hire others to do it, or find a way to do it faster or cheaper than the next guy.
Hard work.
Intelligence.
Luck.
You need at least 2. But hard work is the one that you have the most control over and that is what makes it so important.
We’ll agree to disagree... on which is priority, but for me it has been about intelligence.
Two ditch diggers digging in a ditch one gets out and the other one is left...why?
I think another key is, besides hard work, is getting the money you earned to work for you. Everybody who puts aside enough to make a little investment, is on their way to a better life, even the ditch digger. Most of us max out at a modest income, based merely on what the work of our hands will earn. But we can get our money to work for us.
That’s where the low interest rates for savings, cds, etc., really concern me. It’s hard for the little savers to get going these days. No wonder so many are looking to government to pay for things.