Not disagreeing with you but I guess I meant lottery in the sense that some people are born with natural talent like music and some aren’t. Some are born beautiful and many aren’t. But yes I agree with your statement regarding your parents effort. Case in point my parents were very strict about saving and investing and gave me many lectures about sound money. Unfortunately I didn’t take that advice until my 30s and am still reaping a few consequences from my younger years. My parents now are having a ball in retirement.