There are legit individuals who can share a tip on how to be successful and there might be people who can get lucky to stumble upon them. That is going to be start of their life-changing journey. Planning on the other hand, seems a different matter already. Usually, if who is more educated and has a better life, are still the ones who are more organized and always plan things, though I think this is also the reason on why they achieved their current status.
Planning can consist of small steps and indeed that we shouldn't underestimate them. Not only that they can add up but we can't also get to where we want to go, if some small steps are missing on the way. Lastly, Consistency as you said must also be there.
With good planning, of course this will make it easier for them to carry out the things they want to do and as you said, it is very true that they are the type of people who are organized and also detailed in everything they do and this will be able to make the things they do This process can run well, every small step that is started and can be carried out consistently will of course enable them to get satisfactory results from what they have started, because if we continue to wait and delay starting from the first small, of course we won't be able to achieve anything and it really has passed the opportunity to try.