That success can't be predicted with simple traits like IQ, hard work, and risk-taking is no surprise to me. Plenty of smart people are no good with money or bu

That success can't be predicted with simple traits like IQ, hard work, and risk-taking is no surprise to me. Plenty of smart people are no good with money or business, just like many risk-takers can't tell the difference between a smart risk and a dumb risk (the vast gap between the two makes me wonder whether it's even wise to describe both kinds of risks with the same word). But I think it's lazy to then give up and attribute it all to "luck". It's rare to find a person who combines intelligence and risk-taking into a personality and mindset that thrives, financially, in our environment. But when it happens, I think those people's particular, qualitative traits contribute significantly to their success. (I'm not saying that luck isn't also a significant factor. But it's overstated in that paragraph.)