Brother Cat discovered that in the end, it all boils down to two things:

First, physical health and fitness are the foundation that supports everything.
Second, the integrity of one's personality determines your ceiling. A person with a complete personality, no matter how badly they fare, can't end up too poorly, but their ceiling is high. As long as they catch a favorable trend, they can take off steadily.
If the integrity of personality is insufficient, and there are flaws, even if they encounter an opportunity and make money, they will eventually ruin themselves because of internal friction. Others don't need to mess with them; they will mess with themselves.
Other things like education, money-making ability, expertise, and so on are all just fleeting clouds.