I can think of 6 of my friends who became multi-millionaires at a young age. 4 of them got wild lucky breaks with stock options; 1 of them inherited it; 1 of them worked for 10 years to build a large company starting from nothing, which I think he still owns 50% of (the other 50% being owned by his initial angel investor).

So, 5 out of these 6 millionaires got there almost completely by luck. Ironically, at least 2 of these 5 are absolutely convinced that anyone in the US who is smart and works hard will become a millionaire.