Personally my take on that is yes, it is not determined by intelligence or talent, a bit of chance I can say but  mostly it is about your attitude and determination that would make a big difference. It is not just your way to be rich but to be successful in life, I believe that the definition of success would mean different things to different people, so I believe it is all in our hands, what you did and how you did things would determine where you will be at by being motivated of the why you did it.