Go to random.org and generate 4 random numbers between 00 and 99.

These are your Privilege, Training, Ability and Luck percentiles.

Privilege: the money, power and respect you get just based on who your family is and how they fit into the social order.
Training: the quality of your education, not just in school and university but in terms of whether your family instilled values of hard work and good habits in you.
Ability: your natural smarts, talent, athletic ability, charisma, etc.
Luck: just what it says.

Now find your SCORE for each of Privilege, Training, Ability and Luck:
01 - 37: score 1
38 - 69: score 2
70 - 85: score 3
86 - 93: score 4
94 - 97: score 5
98 - 99: score 6
00: score 7

Now add up your scores.

If they add up to
4-6: you will have a really shitty life.
7-9: you will be poor and unhappy but not too bad.
10-13: you will be comfortable.
14-20: you will be rich and happy.
21+: you are senator / tycoon / president material.