Factors affecting wealth and fortune in both Chinese and English can be quite similar. Here are some factors in English:

1. **Education and Skills**: Knowledge and skills can lead to better job opportunities and higher income.
2. **Work Ethic**: A strong work ethic can lead to career success and financial stability.
3. **Investment**: Wise investment decisions can lead to wealth accumulation.
4. **Networking**: Building a strong network can open up new opportunities for business and career growth.
5. **Financial Management**: Good financial habits, such as budgeting and saving, are crucial for managing wealth.
6. **Risk Management**: Understanding and managing risks can protect one's wealth.
7. **Lucky Opportunities**: Sometimes, luck plays a role in wealth accumulation, such as winning a lottery or receiving a large inheritance.
8. **Health**: Good health can lead to a longer and more productive working life.
9. **Family Background**: Some people may inherit wealth or have family connections that provide financial advantages.
10. **Government Policies**: Economic policies and tax laws can affect one's wealth and fortune.
In Chinese, these factors can be translated as:
1. 教育(Education and Skills)
2. 工作态度(Work Ethic)
3. 投资(Investment)
4. 人际关系(Networking)
5. 财务管理(Financial Management)
6. 风险管理(Risk Management)
7. 幸运(Lucky Opportunities)
8. 健康(Health)
9. 家庭背景(Family Background)
10. ***政策(Government Policies)
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