If you mean RICH as success in life, then my understanding of the content of the topic you described above is "99% hard work and 1% luck". To achieve a level of wealth that makes you free from financial problems, you have to struggle with hard work to live a more beautiful life because success is achieved by struggle, not by luck.
You have to conquer life to become rich, don't expect to immediately get 100% in one try because to reach that level you have to do it over a long and consistent period of time. Luck will appear and become a reality when opportunity meets readiness. When you are ready to do something like investing in Bitcoin and other Altcoins and are ready to take all the risks, then that is where you have created an opportunity for yourself to win the biggest jackpot.
Bravo, what you said is 100% correct, hard work and luck are attached together, but hard working is really important, you can not sit in one place and wish your self luck hoping that you should be successful, that can never happened, you have to work harder and get luck to be a successful person in life, you need to hustle and struggle a lot before you can meet your needs and fulfill your goals, and also take care of your fiscal responsibilities, you can not involved yourself in illegal activities just to be rich.
We must have a right target level because if our target is not right then we can go down the wrong path. If the target is set then the road is very difficult but it is possible to overcome that difficult road but reach your target. First of all we have to focus on our career and then we have to give our full attention to the field of work we are in and after giving full attention to that field we have to plan properly about the amount of money we will earn from it. If we earn money and spend that money without planning, no matter how much money we earn, we cannot change our financial situation. While spending money is a difficult thing, spending money properly is also very important and should be done by everyone.
You are on point, before you should engage yourself in any business or when you a get a good job, it is advisable for you to plan a good budget, to prevent yourself from lavishing and spending the money on unecessery things, if not you will not know what you have achieved at the end of the month, having a good target is the most important thing you need to know, when you want to become wealthy, to protect yourself from crises, don't be eager to make money and follow unlawful ways like selling of hard drugs and so on because you may end up behind the bar, follow lawful ways and spend wisely, with no time your wish will be accomplished.