This could be a very long post, but I'll try to make it as short as possible.
Ultimately fate/destiny/luck (call it whatever you want) may change from person to person but there is common ground here that does apply to everyone.
The first thing you need to know is that you are a SLAVE to the system. And by you, I mean everybody (Myself included at first but not anymore). The system wants you to spend every dollar you have, through advertisement and peer pressure and also through brainwashing from birth. We are all taught from the beginning that we must go to school for at least 12 years (from 6 to 18) often more, then find a job, do what our boss tells us to do, go there for most of our life till we are 65 and then retire.
We are also told to marry, have kids and have a social life. All that brainwashing I explained plus this here, is a deadly combo that pretty much ensures you will be a slave for the rest of your life.
So the second thing you need to realize is what is objectively valuable in your life. If your answer is, marrying, having kids, a job and a social life then don't bother reading any further cause your happiness is to be a slave to the system and there is nothing in this post that can help change your life in a way that will matter to you.
If like me, you come to the realization that what matters is your TIME and FREEDOM then perhaps this post can help. In this capitalistic world we are all competing for 2 things. The first one is obviously MONEY and most people know this but the second thing, most people don't even realize they are competing for it and therefore don't really try and as a result, are poor of that thing, and I'm talking about TIME. Even people with lots of money don't realize this and what they do is work even more to make even more money and those people become addicted to simply making more money and therefore end up slaves to their addiction. No time for them to enjoy what they have cause they must work hard, impress people, go to high society parties to meet important people, spend (waste) lots of money in expensive clothes cause you wanna look rich to impress important people. Important people that at the end of the day don't give a damn about you...
Me I value time and I am very rich of it. Literally the 24 hours of the day are mine which I really love and appreciate. I don't want to HAVE to do stuff, have to work, have to take care of kids after school, have to pick up the wife at her job cause it's the end of the day and she's done working, have to go to places to go to appointments etc... Anything that is an obligation, I hate.
So I managed to organize my life in such a way that I don't have to do stuff anymore. So the first thing (and you must realize this is not for everybody, I mean most people couldn't stand this) is to NOT have a wife, NOT have kids, NOT have a job, NOT have social obligations of any sort etc.
To be clear I used to have a job cause I had no money when I was 18 and if you are starting in life, unless your parents give you a substantial amount of money, you will have to find a job to make money. But the difference with the rest of the world is that you will save every last penny of it. Doesn't matter how, stay at your parents to save on rent, don't go out on week-ends, don't go on vacations, don't go have a drink with your buddies etc. Cause all that stuff will cost you money and the more money you spend, the more dependent on the system you are and the less free you are.
Most people live paycheck to paycheck, are incapable of saving a single dollar and actually live in debt up to their necks, those people are total slaves to the system, they MUST work, no choice here, all their lives.
Me, to be clear I'm not rich, but I spent almost nothing and saved everything, month after month. 20 years later I got my own place that I own, zero debt, and passive income that is enough for me. I never tried to become rich, to make lots of money cause I don't think I have the talent to get there so I brought my spending to the bare minimum. No kids, no wife, no social life that makes me waste money, no car cause I live in a city so everything is easily accessible by foot, no wasted money in gym clubs cause by walking everywhere I exercise for free etc...
Most people don't realize the ton of money they can save by NOT following the standard model that society brainwashes them with (wife, kids, family, social life etc) So here i am, in my early 40's and completely free, lazy and spending my time between Netflix, Youtube, video games, forums like this one, walks outside when the weather is nice and so on.
I'm free, I have ZERO obligations and most importantly I love being free.