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Are entrepreneurs typically lucky, very smart, or relatively wealthy to start?

I've been interested in entrepreneurship for the past couple years. As a 20 year old I'm going to school largely because it feels like what I should be doing. I have some talents in art and technology. Two things which I think I should be able to use to my advantage in order to make a living for myself. But I have no idea how to create a secure plan to become an entrepreneur. I consider myself pretty smart, but not that wealthy or lucky. So are people who become successful usually just really smart, really lucky, or have a fairly large amount of money to begin with?

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