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But I believe in one thing - association and a bit of luck or lucky 天意, not lottery luck type though it would be nice.
I believe in fate like someone saw you and ask you to follow him, or are in trouble and you are somehow was there and help him out, and this can happen at any age but it would be nice if it happens when you are younger.
Then with a bit of shrewed, cunning, look and streetwise wisdom, you worked your way up or even married the boss daughter.
There is always a cross road that takes you from nothing to something and doesn't have to be in a rich place or in a slump area.
I think this is call 天意 or 人算不如天算。
Yes. Many years back, I blur blur followed the advice of someone to buy 50 lots of Keppel Corp at its infancy and it grew into a monster !!!:o