The first point, and I can see in my own life, is valid. Not properly rich by any means, but vastly surpassed any expectations and most of my peers from earlier life (which is rather easy when coming from poor eastern Europe but somehow most folks from back home didn't, too deep in their little comfort zones or fears of risks that were mostly made up).

It can be reframed as cca discipline too, willingness to suffer a bit for later rewards. Can see this as massive success multiplier in many real world situations.

The great thing is you can just focus on the one person who "worked hard" or "self disciplined" or "studied well" and got rich while ignoring all the other people who did the same thing and didn't.