This is an interesting answer... I mean, it was a kind of "trick" question, but you are very much in right... It's almost impossible to succeed ONLY with knowledge, but on the other side, if you have a lot of money and don't know how to handle it, the bankruptcy is very near... and we saw both things a lot of time...
So, the best answer will be the both... if it is possible :)
Thanks for passing by!
Thanks for being so responsive @ph1102 :)