BTW, a couple years ago, I was being driven home from the car repair shop after I dropped my car off. I struck up a conversation with the driver, who turned out to be a refugee from Afghanistan. He had come to the US a year previously with nothing but the clothes on his back. He got a job, saved his money, bought a car and started a car service. He was telling me all about his plans to expand his business.
The fellow was already well on his way to becoming wealthy.
its mostly luck, not merit ;)