I mean, good for you, and you're not entirely wrong, but you've got them in the wrong order. Luck is number 1, because the rest flow from that (education, connections, etc)

People place WAY too much of their own effort (which is important), and not enough on luck.

As long as you're very cognisant that for many, many people, the cycle of poverty is unbreakable to not fault of their own.

If yes, then, I'm happy for you and you should still feel proud of yourself.