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Yep, just like someone from Houso's winning the lotto. They'd either be broke again, dead, or both in 6 months. Money does more harm than good for some people.

Are we talking effort or contribution to success? I believe we should give 100% effort to all aspects. Just because there's an 80:20 rule, or 90:10 rule, doesn't mean that the 20 or 10 portions don't need 100% effort, just means you spend proportionately less time on those parts.

You definitely need both, and mindset is definitely the more required of the 2. The percentages will never be truly known. Can you have 100% for both? But seriously, with the right mindset, it's almost impossible to fail at something so simple as property.