Hello @cato-ranking
I will talk about another factor that you missed out here which is retaining success.
Many people let their previous success prevent them from striving to achieve more and that is why they find themselves stagnant.
The enemy of your next success is your previous success
Thanks for pointing that out bro, many people just because they ve reached a point in life tend to stop putting more effort with the excuse that they should rest for the one they've done and this ends in not doing any further stuff.
Many thanks once more @ogochukwu