This is the essence of white privilege. A belief that you got there through your own hard work, smarts and gumption.
Stand back a second. Many third world countries have this in spades, but just never had your opportunities.
There is a possibility, that maybe you failed to consider, that maybe you are just "lucky". The gaping chasm of inequality that faces you is insurmountable, so you justify your privilege by telling yourself you're better.
I know that's a hard pill to swallow, because it calls into question a belief that you are in control of your life which is a scary thought. Especially for 'murca.