Lang Kirchheimer, SwitchYard Media, special to MSN Money.

Work hard, invest prudently, stick to a budget.

That’s the kind of useful advice a high school commencement speaker might share with new grads as they prepare to venture into the world.

But the cold, hard truth is that even the most conscientious and industrious individuals sometimes stumble and fall, while others seem to glide through life for no other reason than that they were born in the right place, went to the right schools and inherited the right genes.

Click through to the next pages to see some of the factors that could determine whether you are likely to enjoy a life of luxury.