|"Nobody Got Rich On Their Own"|
Like George W. Bush many financially successful individuals were born on 3rd base and thought they hit a triple. Even those who came from humble beginnings often overlook the advantages provided by publicly funded schools, infrastructure, and security. Many seem to think that all you need to do to get rich is work hard. If that's all it took most of the people Panderbear knows would be billionaires.
Luck has more to do with getting rich than hard work: the luck of being born in a country with good schools, good infrastructure, and good governance (at least once upon a time); the luck of being in the right place at the right time; the luck of knowing the right people; the luck of making guesses that happened to turn out right. The notion of the self-made man or woman is a myth.