> 3 of the 5 factors you list boil down to "OP made good decisions and worked hard"
One of those "decisions" was avoiding prison. OP says people call him privileged, so he probably didn't belong to a race that is jailed disproportionately for crimes that white people are let off for.
One of those "decisions" was avoiding prison. OP says people call him privileged, so he probably didn't belong to a race that is jailed disproportionately for crimes that white people are let off for.