flu–Have heard many similar stories from friends in your industry, and other industries.
Along with intellect, I do believe luck and randomness have something to do with achieving your dreams. Yours are even more examples of that premise, and perhaps, one reason why net worth is so skewed. Guess all of us were just “lucky.”
It’s still hard for me to believe only 5% or less of US households have $1MM or more in investable assets–especially with all of the “attitudes” you see in CA–and I’m saying that as a native.