You are basing many of those decisions based on your personal luck and other people's anecdotal experiences, but not what the data said.
Seriously, be open minded about subjective opinion. There is no right/wrong. If my method works for me, it works for me. My starting statement said there is no one definite way to live.
So let's respect that.
Oh well, I think people will agree that following the advice in courses in reputable universities, perhaps, makes people wealthy more frequently than following advice that people disagree with on HN.
Risk tolerance is, but refusing to diversify outside of real estate and precious metals is objectively a risky strategy without a history of outperforming lower-risk ones.