> 'or be extraordinarily talented and hardworking' Maybe you meant "and possibly", since otherwise the 'or' there detracts from the point I think you're trying

> 'or be extraordinarily talented and hardworking' Maybe you meant "and possibly", since otherwise the 'or' there detracts from the point I think you're trying to make (that ludicrous amounts of wealth requires luck regardless of what talent, skill, or determination you bring).