Do you think getting Rich is by luck mostly?

I did everything by the book, I work with an elite firm, studied in an elite institution. I tried to work hard, although I know it may not be the hardest but I am sure it was not the least. I did my MBA from a tier 1 uni and now work in a tier 1 firm, but somehow it never translates into money. My current pay is 20LPA after 6 years work ex and a tier 1 MBA. I see many young kids with packages 50LPA plus, and no not only SDEs. school mates who used to party when I was a nerd, and are now influencers earning 1 CR a month. On average I see everyone earning more than me at my age, whether corporate, father’s business or social media. I have started to believe that money comes to the lucky, you may work hard or not, but it does not correlate to wealth. I am looking for viewpoints from people who do not think so. Would like to know a new perspective. P.S. - those who say I am not trying to switch correctly, I have tried but somehow they only have low paying roles for me