Of course after someone has achieved success they put it down entirely to innate worth, effort, skill and so forth. Likewise plenty who have deserved success have been wiped out by unlucky timing of the dot com bust, credit crunch, fraud. Yes persistence pays, but however unpopular it might be around here, we are nearly all one or two rolls from disaster - be that business failure, major illness, or whatever, that ca…
I think I'd phrase it as you need work and luck.