Well, in some cases, being financially stable at an early age depends more on the family background of the person and the foundation through which the person lived. There are some people whose parents are entrepreneurs and business tycoons, and as such, they learn from their parents and can start from an early stage to practice how to invest and make money. There are also some kids whose parents are very rich, and if they are well behaved, their parents will definitely transfer their wealth to them, and before you know it, the child is already rich.
But in a reversed case, there are also different kids and adults that don't have any of these privileges, and as such, they may still start to learn a skill, get educated so they can get employed, and in the process of setting plans for some goals they want to archive, things might actually get a bit bumpy and slow them down so they don't archive what they have planned in the set period.
In conclusion, some people are lucky while others are unlucky; some people have to work hard, experience some challenges, and try and fail before they can probably succeed at last, depending on how persistent they are.