I'm actually neither smart nor winning, at least from my perspective. The only winners are those who can do whatever they want and can say No to anything they don't enjoy. There are very few of them. The majority of the rest of us are similar, regardless of whether you are making 100K or 500K. Then there are the homeless/jobless people who are struggling with basic needs.

I'm not sure which half you are talking about, but I'm really bad at giving advice, especially to people in different situations. I do not have the authority or capacity to help others genuinely.