[JRKrause]

It doesn't seem like there is much to say on this topic. Wealth accumulation is the outcome of many dice rolls, some that are weighted in ways that are within your control and some that are weighted in ways outside your control. The most you can do is to roll as many dice as you can and, to the best of your ability, choose those that are already optimally weighted.

[kortilla]

Which weights in your two categories are larger is the entire discussion though.