As I've gotten older, I've realized that people who are successful (say, authors who write full time and live fairly comfortably) may have been equally lucky as talented.
You hear all the time about people who happened to meet the perfect agent, or the market was looking for their exact kind of story/genre, you know, the classic they were "in the right place at the right time."
Add to all this that many people believe you create your own fate through loads of hard work, (which I admit, I believe at least half the time) and you have a fantastic mix of destiny, karma, ability and chance. Who I'm pretty sure were the original members of Destiny's Child.
What do you think about luck v. talent?