I read a study of genius level students of different levels of income from around the USA that was a long term study.
They were all top of the top, all had all the merit you could possible imagine in the intelligence department.
But they went back to their homes and families and were checked up on 10-20-30 years later.
The predicators of financial success was family income. Period. Not talent. Not merit. The luck of being born into the right family or not.
Sadly, it also showed how scholarships did not help much at all.
Those who had partial and full scholarships to universities got the better education but once it was over, they went back to their homes and family businesses, often in agriculture or running a shop and 30 years down the line did not get greater opportunities based on their merit but only advanced so far as their family situation afforded them.