Having opportunities is one thing, actually taking them and making the best use of them is another.
The opportunity can be said to be down to luck and have nothing to do with you.
But the taking the opportunity an making th best out of it is about you as a person.
I dint think it’s good to dimish our successes and put them just down to luck. Luck alone can not explain most of people successes.
The reality is that it’s a mix. Luck to have supportive families or to be at the right place at the right time. But behind that, you also have some hard work, choices, sometimes hard to make etc...
Eg when I look at my parents, they have done well financially, starting from nothing. They were lucky to be born in families that allowed them some education (even though my dad was basically told to just ‘get a job’ as soon as turned 18yo despite his parents beeen able to support him through further education etc...)
But after that, their success has always been a mix of hard work choices, savings (A LOT of savings and being extremely careful with money even when they actually were earning a confortable wage) etc...
Whensome people chose to have a more confortable house and a hols, they chose to stay at home and spend as little as possible.
So now, they do have a very confortable pensions and lots of assets. Because they made the choices that other people didn’t do.
And there was a bit of luck too (not being ill for example which allowed them both to work until retirement)
Same applies to getting pregnant. Some women will make a lot of effort, make choices that other will refuse to do.
Eg they might loose weight, overall their whole diet p, stop smoking/drinking etc..
And that is what is allowing then to get pregnant.
Whereas another couple might decide not to bother....
One couple might decide to go for a private IVF and use all their savings/take a loan. Whereas a nother couple won’t.
So yet again a mix of luck and hard choices and efforts.