To begin with, does money depend upon location? Can it be made only in certain places? Let us see. In all places people make money, in all places there are some who are rich and some who are poor. Go to the smallest town as well as to the largest city and it is just the same, some are rich and some are poor, success then does not depend on location.

Is it the kind of business? No. There may be two men in the same kind of business, equally well situated. One will make money and frequently the other will lose. Does it depend on education? No. Some very ignorant men make money. Does it depend on a man's circumstances? On a man's bringing up? No. Some of the wealthiest men in the world began with nothing.