What is an event that changed how you view the world?

This is the biggest difference between myself and my brother.

My dad is fairly well off having run a company for decades at this point and I knew I didn't want to lean on that. So I went on my own career path.

My brother decided to join the family company. Over the past 20 years he was gifted 50 percent of the company as a bonus. He didn't understand that he's only in that situation because the owner was his dad. He's never understood how big of a safety net the two of us had growing up. He genuinely thinks that his hard work is the sole reason for his position in life and that anybody that's willing to work as hard as he did (and he did, I won't deny it) would be on a similar situation as himself.

The luck factor is also called opportunity. People succeed financially because they had some opportunity arise that enabled the success to be a possibility. Be it a random chance that they were given a job interview, that their dad owns a company they can start at, or they happened to grow up in an area with good education options they could lean on to develop skills, or just a serious safety-net.

I had option 2 and 4, but used option 3 to eventually get option 1. I'm mostly unsatisfied with the world because I wish everybody had option 3 and 4 to start with regardless of family.

I can tell you, fucking everything in life depends on luck, starting from where you are born.

Now my friend, you are wiser than ever before!

It's called "Ecclesiastes 9:11"

I returned, and saw under the sun, that the race is not to the swift, nor the battle to the strong, neither yet bread to the wise, nor yet riches to men of understanding, nor yet favour to men of skill; but time and chance happeneth to them all.

starting from where you are born

This, too... how you are born dictates how (routes) to get to the riches. (Thats why some connections are useless) still; luck will find you wherever and whoever you are, its up to you to grab it firm.