Personal finance expert Dave Ramsey says believing that success comes from luck instead of hard work and talent is wrong and downplays the importance of human agency and effort. Discussing the belief that wealth and success come from luck or factors such as birthplace and social circle on “The Ramsey Show,” he said it is “ridiculous” to dismiss the role of personal effort and human agency in achieving success. He said that although many people believe luck, including social connections and famil