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Isn't calling something a "healthy vision" also a post-hoc explanation of events? I see people putting in "a concerted effort day-in and day-out... to put themselves in a position to succeed" but they generally don't know ahead of time all those factors necessary, so after several years of not succeeding... what did they do wrong?
Each path to 'success' at the level most people think of it, with respect to deca-millionaire levels of wealth - generally doesn't appear to be reproducible at all.