I grew up in a lower-middle class household and although my grandfather had money during his life, it wasn't passed down (swallowed by medical bills the last decades of his life). My parents were definitely working class. I'm doing okay, but that came from a lot of self-study and self-driven interests... I put my first computer together from parts scrownged up over the course of about a year... at a time where it was far more expensive to do than today (early-mid 90's), where today you can definitely find something usable for free.

Today it will largely come down to the investment of time... that doesn't mean you will succeed... I spent my time on knowledge growth, others will spend it on building a business. Most will simply waste it and complain that they spend too much time working.

I saw a lot of this when I was single in the last decade. So many people want a relationship, too few would actually take the time to make it happen. Most won't even take the time/effort to go out on a date on a work night.

No, it's not easy. There are no guarantees... but it's mostly laziness that stops people from getting things done in life.