Skills and luck definitely. That will bring you more success in life. Luck alone is quite unreliable. You have to build your skills and strategies in life first, and then luck should come along. Life is not gambling at all that you need to rely on luck most of the time, but life is more on a test and learning real- life application skills so that you won't mess up with your life all the time.
that means skills and luck is vice versa, it's almost very difficult to succeed without one, but at first need to learn and build our skills then the luck is come,
i seen many times only good skills can not rich you if here luck is missing, i seen some lower skills people's already earned huge money in crypto because their luck is worked.