Mindset alone, without the proper skills, from finance to life in general, is nothing.
The personal situation is also important. For example it is very hard to get out of poverty. Even with a good mindset. Many people would invest their money, but they cannot afford to. Many people struggle paying their living expenses, including foods and drinks, and rent too in many cases.
Agree. Personal situation, family, financial situation of the family, yours, country you're born in, overall luck, getting somewhere 3 minutes later or 3 minutes earlier, everything matters.