RE: Mindset is relevant
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Nothing is everything. All is a blend of more than meets the eye. We never see everything at play in a given situation, and mindset is just a simple variable that plays its part in the grander scheme of things. Mindset alone, without the proper skills, from finance to life in general, is nothing.
But that doesn't mean it's not important. And constant improvement of your mindset is key. Along with your other, more practical skills.
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The personal situation is also important. For example it is very hard to get out of poverty. Even with a good mindset. Many people would invest their money, but they cannot afford to. Many people struggle paying their living expenses, including foods and drinks, and rent too in many cases.
Agree. Personal situation, family, financial situation of the family, yours, country you're born in, overall luck, getting somewhere 3 minutes later or 3 minutes earlier, everything matters.