This ebook explains why the only way to get rich is to get lucky. Self-employment also requires luck. For example, a moderate and limited correlation exists between IQ and income, but there is no correlation between IQ and net worth (or self-employment). These data suggest that wealth is either a result of pure luck or has to do with mental abilities unrelated to IQ (for instance, an entrepreneurial talent). The latter explanation also involves luck because a person can neither learn nor earn a talent. The correlation between hard work and income is weak and limited. Higher net worth correlates with fewer hours worked per year. Therefore, it's a bad idea to pay for advice on how to get rich or how to start a business. In addition, this ebook discusses some low-risk approaches to starting a business and to building wealth, but this information does not guarantee anything thanks to Lady Luck.