My experience is that whenever I saw or met a "rich" person. It was mostly because they knew someone to hook them up on some fruiting business to get a lot of money quickly, or their parents and previous ancestors made their fortune for generations to come so they can fuck around with the money. Never knew anyone to make money by being an athlete though, I have yet to see someone not fumbling the bag with their physical talent. I had a classmate who was STUPID good in soccer but he fucked up both his knees by playing with randos on the streets even though If he took it seriously I'm sure he'd be a signed player in the big leagues.

Thing is, it's mostly based on what family you're born in. If you're not born with a good talent to business or finances, you either work 5 or 6 days a week 12 hours like me, or just live off daddy's money. I see no in-between as a mere peasant.