Well using IQ as a proxy for intelligence, you can find many sources that say there's no significant correlation between IQ and wealth (https://researchnews.osu.edu/archive/intlwlth.htm).

Many studies find that your parents' wealth is the single greatest influencer of your wealth (http://www.umass.edu/preferen/gintis/intergen.pdf).

I would say that who your parents are is about as "lucky" a thing could be, considering it's totally independent of who you are or decisions you make.

My only other assertions being that smart poor people and dumb rich people exist? I hope that's self-evident to anyone on this board...