It's honestly a combination of strategy and luck. For example, you can use strategy to get a “good job,” eg: programming. They basically always pay well and not a lot of people can actually do it. (Though with AI that may not be so true in the future). The thing about programming as well is that you can end up in an organisation that gets a windfall, such as an acquisition, and have that give you enough money to early retire.
It is a dream of mine to basically earn enough to not need to be an employee any more. I would still probably work but it would be on my own thing, and the money it makes wouldn't be important. Just gotta keep chipping away at it.