> it’s because you’re either very lucky (and congrats to you) or you’re very passionate.
It's never because you're very passionate. Passion has basically no correlation with financial success. Millions of passionate artists, musicians, writers, and all of them broke as can be, most working shit jobs to pay the bills wishing they could just be passionate and make money from that. Passion is bullshit.
The real path to financial success is a combination of: being born to parents with the means and motivation to see you well education; being born lucky enough to be a little bit clever; being lucky to pick a career that makes a lot of money, often only by ignoring idiots who say 'follow your passion; putting in a lot of hard work to get good at something that is in-demand.
Or the usual answer: just being born wealthy and wouldn't-you-know-it you wound up wealthy too.