A wealthy friend of the family once told me: "There are two ways to become wealthy: out smart the other guy. The rest of us out work him."
Most people who are wealthy have wealthy parents. It is overwhelmingly the most common way to become wealthy. Virtually nobody makes it to "the top" solely through hard work. Wealthy people always extol the virtues of hard work, but the truth is that there is no amount of hard work will necessarily make you successful. There are too many people waiting with outstretched hands to take advantage of you, or feet waiting to trip you — mostly to assure that you don't threaten their success in this negative-sum game.
Well, that is awfully defeatist. Sure, a lot of people become wealthy because they had wealthy parents. But that doesn't imply that people without wealthy parents can't become wealthy. It is possible, and working at it plays a signficant role. In my case, I am literally an Iowa pig farmer's orphan boy. Money was tight when I was growing up, but I could afford engineering school at in-state tuition at a land-grant university because of frugal habits. I distinctly remember struggling over DiffEQ homework and thinking to myself: "I can either do what it takes to survive this course, or go home and clean hog barns the rest of my life." That was a powerful motivator, so I worked at it. I also worked very hard, long hours at a couple of failed start-ups. But I kept trying. And what do you know, one finally hit and I was able to make work optional at age 42.
The problem with your attitude is that it allows people to give up. Don't give up. Suppose I was still searching for that first start-up hit? I'd rather die still looking for it than give up. (Actually, I'm looking for the *next* one.)
Now, I'm not saying that if you're not wealthy yet you're doing it wrong. A lot of things can get in the way. But if you aren't *trying* then stop whining. Wealth is more a combination of attitude and habit than a state of being.