The luck here is being born into a decent family in a first world country and having an interest in/talent for technology. It is true that having those things a

The luck here is being born into a decent family in a first world country and having an interest in/talent for technology. It is true that having those things are unearned, but many people have those things and yet still are not millionaires or work very hard to become millionaires. This guide is still useful for such individuals, despite the luck factor in having those good starting conditions.