Personality, Opportunity, or Intention: What Comes First?

What is the first step on the road to riches? Is it the personality (genetics, life experiences, education, etc.), an opportunity that presents itself? Or maybe the intention to become wealthy? Most self-help books claim that the third factor is most important, while (not really rich) newspaper journalists claim that the first two are decisive.
If the media people are right, I probably don't stand a realistic chance. That's why believing in the primacy of intention is the only option.