Luck is definitely a factor, it's just a smaller factor than they're making it out to be.

Which is my original point. There's always luck involved no matter what. We're lucky to even exist as a species and not still be monkeys. But what I'm talking about is that luck does not dictate people's lives more than working smarter and harder. If luck was such a big deal in determining income, then there would be no point in going to colleges for better paying jobs. But almost everyone agrees that the more you study, the better your income will be. Yet when you increase that income a little bit more than they can understand, then they blame it on luck. There's a disconnect somewhere. And that disconnect is not knowing the difference between passive income and active income. I work for passive income, which is why my income has no limits. Active income is limited by how many hours you work and how hard you work. That's where many people get tripped up. They think their income is capped by luck, because all their lives, they've only known how to make active income. So when they see someone working less than them, but making more money, then they say it's luck, because that's their only explanation for it. But the real explanation is passive income (along with a lot of other factors not related to luck).