Speaking from personal experience, I wouldn't say that. If they didn't get a direct financial boost from someone rich or by gambling, I'd say they had dedication rather than luck. I wouldn't doubt that most owners under 25 genuinely earned it. It took me less than 5 years to teach myself how to program, get a good job, buy my MS60 (just before I turned 28), and pay off the loan. Someone fresh out of high school could probably do it faster, especially if they learned to program in school and don't have a family to care for (I didn't).