I had a great education/CV early in my career, and had the opportunity to interview at some of the top most companies prior to their IPO (some when they were tiny companies). Google, Facebook, Stripe and maybe 3 more that went on to be billion dollar exits. I screwed up every single time. Either I did not take the interview seriously, or took a more prestigious academic job compared to the start up opportunity. Talk about being in the right place, at the right time and still missing out. I have barely paid off a small fraction of my starter home (no longer in the Bay area). I really wonder if it is just luck or more complex than that. (Good) Luck got me the right opportunity,but it can't just be (Bad) luck that snatched away all those opportunities from materializing? Clear, I made extremely bad decisions, missed out on the greatest wealth creation event in history, and must live with this till my end.
Edit. There is a rich-dad, poor-dad point I'd like to make. My parents were extremely bad with investments and not very educated. This made me chase the higher prestige academic jobs as opposed to the lucrative startups. Also, when my white friends (with moderately-rich parents) were buying houses at 5% down, I said they were crazy and I was paying off 5% interest education loans, saving up for a bigger down-payment, buying my car for cash, etc. My parents went through the days of 20% interest and never understood the power of leverage. They passed on risk-aversion to me. Even now, I understand the power of leverage, but am still scared to use it.