Yeah, it is luck-based, but in a different way, the original was pretty luck-based as well, as everything worked out for Sam (bought a great low effort website for 3k? That’s pretty lucky).

I would say the scenario with the lowest amount of luck is not really outlined here, which is: get a good job with a high probability of stability. Work hard at it, spend less than you earn and put it in a diversified portfolio of investments and then don’t think about it once it’s in there.