The same work some do for 5 years and make it in life, other may do it for over 20 years and still feed from hand to mouth. Can we conclude that such are individual destiny?
For me there is no such thing as destiny, we are the one's who are making our choice for our future, what we do now would reflect in our future.
So for those who are spending more than they could and doesn't know how to handle or manage their money would be the ones who would work for a long time but doesn't have much when their retiring.
But those who could manage their earning and find other alternative income would be the one's who could retire early and be successful.
It all depends on how you earn and manage your money.