[downandout]

My point was that it takes no better than average luck for people that choose to work hard in high paying fields and make good life/financial choices to become millionaires. It may not be easy to stay on that course, given human nature. But barring very bad luck (major health issues, etc.), these things are entirely within your control.

Many people ascribe the consequences from bad or risky choices to bad luck, but the reality is that those are entirely within your control. You are making the decision to experience negative consequences when you make bad decisions.

[UncleMeat]

Does everybody have an equal opportunity to work in high paying fields? Or avoid major medical issues and expenses?

[downandout]

Re: health issues, that's why I said "barring very bad luck". However, I would say that yes, everyone has an opportunity to work in high paying fields. You have to work toward it, and that starts by getting good grades in school. But yes, any reasonably intelligent person that is sufficiently committed to it can do it.