> '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).
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).