I think of success as a formula: FxC+ExR. F is family and determines your starting point. Wealthy families can invest in you. C is for competence. It has to be a marketable skill set. A useful education multiplies your starting point. E is for effort. Effort is only additive, not a multiplier. You can only work so hard. R is for risk. Do you own the thing generating income and loss? Qualifications are only a portion of the formula.