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Sometimes I think like the first half of what you describe. Surely, if you really want something and have a decent head on your shoulders, you can obtain it.

The problem is, sometimes you just don't understand. I have no concept of hard work, having largely coasted through high school and even maybe even more so in college. Were I homeless, I wouldn't know where to begin "creating value".

Fortunately, I'm employed as a software developer now. I stopped coasting and take my job seriously. Were I driven, I bet I would be an employer (or self-employed) rather than an employee. But then I also could make my savings work to avoid becoming homeless when not earning much money.




Just to push a point about the effect of luck:

> But then I also could make my savings work to avoid becoming homeless when not earning much money.

You've taken reasonable steps to avoid homelessness.

What happens if someone pushes a software bug out to your bank?

(http://www.telegraph.co.uk/finance/newsbysector/banksandfina...)

(http://www.belfasttelegraph.co.uk/news/local-national/northe...)

It's easy to think "I would cope if I had no access to my bank accounts for three weeks" but until you've faced it it's hard to understand how tough it can be.

And for some people the consequences were a few extra days in jail:

(http://www.bbc.co.uk/news/uk-18589280)

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