Ultimately it's important to realize that it's all an illusion. A big façade in which everyone appears to be living comfortably, with great love lives, constant breaks, heaps of success and problem-free days. Here's the honest truth: nobody has life all figured out.

Why do some people have it all figured out?

You see, successful people may seem to have it all figured out because they are typically in a growth based mindset. They challenge themselves constantly, learn new things, aren't afraid of failing, don't even believe in failure as such, understand how to use adversity and couldn't care less what others think of them.

What does have it all figured out mean?

"He's got it all figured out" would, in general, means "he's got life solved" and would imply that the person has worked out a successful way of living. In this context, it would go beyond merely making a lot of money (because that was explicitly stated) to being happy, having success in other realms and so on.