The luck factor also influences, it cannot be denied but what must also be known is that luck does not come suddenly but luck comes when hard work and consistency in doing something so that at a certain point luck will be there.
And for anything, lessons from the environment are the most influential factors, especially parents who of course are examples for children at a young age so there is a role for parents to teach about financial education and for all of us this is an example from our parents regardless of whether it is good or bad but basically we still follow what is taught or exemplified by parents and over time when we are adults we will be able to choose our own path, whether it is learning to be better or vice versa.
We cannot expect luck if we do not try to get it even though in certain beliefs luck is God's way of giving success to his servants. When someone wants to be rich then they need to work hard and prepare everything for supporters and now we can see the wealth factor that people can get based on the performance or support they have. Some people have rich parents and they can continue the business owned by their parents and some others try from scratch to achieve wealth based on hard work.
Many things need to be prepared when pursuing finance, capital, hard work, environment and opportunities must be utilized well. The most important thing is that we must be active in starting even though there is failure, because with that failure we can learn to improve the level of weakness so that we can be much more accurate in starting again.