Overall I believe ambition, hard work, determination, and persistence have the most influence over our life outcome.
However every successful person does acknowledge that luck or timing plays a factor from time to time. A "seeker" finds things.
Most times the "luck" comes after considerable effort has been made.
As the old adage goes: "The harder I work the luckier I get."
Most people who don't succeed lack determination as well as failing to learn from mistakes and make necessary adjustments. Another major factor is realizing wealth comes through other people. They buy from those they like and admire. Some people simply can't sell themselves or their ideals.
In Napoleon Hill's "Think & Grow Rich" he talks about the concept of forming a "Mastermind Group". Essentially the person with the dream (acknowledges their weaknesses) and sets about to add people to their team who possess the skills needed to fulfill their vision. No one becomes very successful without having a team.