I grew in dirt-poor in white-trash / redneck-ville rural NC, but I've managed to work my way into a pretty good career in software development, living in a nice neighborhood in Chapel Hill. A lot of my high-school peers are still living in bumfuck, doing drugs, working fast-food, whatever. Was I just "luckier" then them? I don't think so. I think the primary factor is that I was more ambitious, harder working, and made better decisions. And I've had much "luck" along the way... man, it was minor and hard to notice. Because from my subjective perspective, I've busted my balls for everything I managed to achieve.
I still remember working midnight shift waxing floors for a grocery store, leaving work at 6:30am, heading to an 8:00am class (Discrete Math of all things!), suffering through 3 hours of classes, then going and crashing on a couch in the library for an hour or so, then grabbing lunch, hitting my 1:00pm class, then driving the hour home from school, to fall alseep, wake up, and go back to work at 10:00. Lather, rinse, repeat.
Some people will suffer through that shit, some won't. I don't see a whole lot of luck in the equation.