It's a mix. I am lucky I was born with a clever brain and moderately well off parents who prioritised education (prep, then grammar, then uni), showed me a good work ethic and didn't make life easy. I had to work and save for everything, no handouts once I'd graduated.
I'm also lucky that when I bought my first property age 23 it was still affordable on a salary of £14k! This was in the south east too.
I'm very lucky to have had good health, no serious problems and a naturally resilient personality and body that can cope with all sorts.
I'm lucky I have two lovely healthy children who i adore.
I'm lucky I got an opening into partnership at work because the more obvious candidate did a flounce the year I applied.
BUT I've always worked hard, sacrificed other stuff (short maternity leaves, frequent overtime, the years when I worked full time and studied for my law qualifications were murderously hard). I was uncompromising in my choice of partner. I would rather have been single than be a man's maid. I think when people sometimes tell me I'm "lucky " (especially those who've had the same advantages) they're being rather selective because they just didn't fancy doing the graft.
There's also stuff people don't know or see. That i had a stillborn child in between my two, multiple miscarriages, and the heartbreak nearly cost my sanity and marriage. That my eldest has ASD/ADHD (and probably so do i) and it's been a massive battle to get him a diagnosis/ any help at all and he's not "just a handful" and will struggle all his life, which is another reason I need to earn/save good money to set him up.
That whilst my parents were pro education, they actually don't seem to care less about me or my children in any other respect....
Like I said, it's a mix.