But let's be real: You can't save money you didn't make to start with. The above poster is clearly calling out the gift as the reason for his success.
There’s plenty of people in the USA presented with much more opportunity than this man received. Few have achieved anywhere near as much.
I’d wager that if he got his first job as a janitor he’d be running a cleaning empire rather than a donut chain.
I wish we keep survivor bias in mind when reading success stories; we should ask "out of those who work hard and gritty, how many are successful and how many are actually not?" And not "out of those who are successful, how many are hardworking?"
Most of the time, hardwork is just the minimum prerequisite to success that every aspirants have, de-emphasizing the role of luck in life is simply unwise.
If you're talking about cases of extraordinary success like this person, then hard work can vastly increase the amount of opportunity you're exposed to. Nobody says luck isn't involved, but you can improve your odds of getting lucky.
The "luck theory" is the one that is damaging. Because the biggest real problem is people don't know about opportunities. This is one big advantage certain immigrant groups have over even locals. They have networks of people from their country telling them where to go, what skills to get, what jobs to get, how to deal with every detail of every hurdle. It's practically a mentoring system for how to succeed in the US.