If one person struggles for years, trying and failing again and again before finding success, and another person spends all that time watching tv and playing video games, is the difference in outcome only due to luck?
Also, he hasn't talked much about his family - except that they were "immigrants and nobodies". But his mom did emigrate from India to NYC with two children, which isn't exactly common. I suspect, perhaps, his family is a little better connected, or a little better off financially, than he has let on. But it would be impossible to get the truth at this point unless it came from an outside source because Naval is going big on narrative building his own life.
I'm pretty sure "got lucky" here is kind of a humble brag, like "I'm so lucky to be smart". Stuyvesant admissions are straightforwardly and deterministically based on a test, with spots going to the highest scores. There's no admissions officers considering extracurriculars, or interview or anything like that.
In retrospect, maybe he did get lucky and I got unlucky, since his stock has outperformed my stock by 3x over that time range.