Some people have a lot of money. Sometimes inherited (old money is the best money) but seldom disclosed. Sometimes earned by hard work, sometimes earned by talent, sometimes both.

Good sales people make INSANE amounts of money, sometimes not having to work a lot. Some professions, like Dentists, where a good practice has revenues in excess of $1 million a year, are tremendous wage earners, with a pretty good schedule.

Some people, work really hard, but make a lot of money still finding time to make memories with their families.

Some people have none of the above, but borrow, borrow, borrow, or don't save, don't save, don't save.

Some people, work really hard but don't make a lot of money and are really careful, but never have the monetary success of others.

Some people have a bit of bad luck that sets them back despite something positive from the list above.

Others think they work hard, think they are good with money, but they really aren't what they think and wonder how everyone else does it.

A few examples.