Seven Winning Numbers

Why is it that you can have two people who both have the same job, earn the same income, and go through the same ups and downs in life; yet one of them ends up so much better off financially than the other? And, without working any harder? 

Was it because they won the lotto? Was it because they left it to chance? No! It is because the person planned to be financially better off! They didn''t leave ...