He forgot one: Even if you work hard, have lots of promising ideas, and are very persistent, the odds are still against you (at least in terms having a big pay

He forgot one: Even if you work hard, have lots of promising ideas, and are very persistent, the odds are still against you (at least in terms having a big payoff that frees you from ever having to work again). But you will probably make a living for yourself and have lots of interesting experiences, and that's worth something.