Even more to the point, you can be incredibly hard working and intelligent, but without a good deal of luck (outside of being born into our society) you may not

Even more to the point, you can be incredibly hard working and intelligent, but without a good deal of luck (outside of being born into our society) you may not make it. Luck is a HUGE factor on many different levels when talking about wealth/success. Again, not taking anything away from Buffett, just pointing out that luck is a really big deal that doesn't get much air time.