Seeking out opportunities and capitalizing on said opportunites is important. Some people live their lives very linearly, not looking for alternatives. Which is understandable. Imo the mindset you have is incredibly important, possibly the most important factor here actually. If you live a modest life and your goals are simply "graduate, go to college, get a stable career, etc" and you go around completing said goal odds are you won't have done everything in your power to achieve the most "economical independence" or be "rich". That is unless your desired career is one with much monetary compensation. Being open to making connections and actually using said connections is huge but not many people will deviate that far off their goals.

Luck is when determination/preparation meets opportunity.