You’ve really convinced yourself of this just world fallacy that it was your hard work and sacrifice rather than privilege and dumb luck, huh? Nobody but white boomers still believe in the American dream.

I also made enough to retire in my 30s, by being in the right place at the right time: a software developer in the ’90s San Francisco dot-com boom. But I’m not kidding myself that it was my hard work that “rewarded” me with stock options whose value went through the roof when the company went public. And honestly I didn’t even work all that hard.