My ILs usually tell us how lucky we are! And I have often read here about books that explain that everythng I have is down to luck, hard work just means you work hard etc.
But the psychologist in me disagrees, heartily! We worked hard and chose to put away every penny we could spare - literally. That started with copper coins in a jingle jar and have ended with regular payments into savings and pension pots.
We chose to improve our education levels as adults. Not to have holidays, foreign or not, every year; not to consume cars, clothes, phones, cable et etc etc etc. We chose to be happy with less 'stuff' and to enjoy the little things, rather than requiring big ticket anything to make us happy.
ILs were the exact opposite. Reortgaging for holidays, having to have the latest stuff, going to the latest places, etc etc
So now we have a paid for house, decent enough work despite D earning less now in the same job than he did say 20 years ago and my being self employed. We still enjoy the little things, book holiday cottages out of season, have hobbies that some would consider expensive etc.
Our sense of having done well is based on our levels of happiness and, as we are happy with far less than ILs we aren't disappointed that we can't afford x, y and z.
Yes we started in a Western country. Working class, single parent families. Left school at 16/17. Left home at 17 - both pushed out. Worked crappy jobs for over a decade, building sites, bar work etc. What part of that was lucky?
Our luck is/was ourselves. We make our own luck is far more a truism than oh, stuff just does or does not happen, you're lucky if it does! Manly because if you make your own luck then everything you do is lucky, works towards your future. If ot is an external thing then it's to blame for the shit htings happening. Locus of Control etc!
All of which is a long winded way of saying luck is just a frame of mind, a way of looking at things! If you measure everthing in cash then you are going to see a huge disparity. But measure things in happiness, contentment and you get a very different picture of people and what 'having made it' actually means.