You keep telling yourself that. Plenty of people have things go wrong, myself included, the resilient people keep on having a crack. I haven’t had a car accident or a stroke but I ain’t about to disclose my health battles to you. I have siblings and peers that have had much more opportunity and have pissed their opportunities away. Nothing to do with luck, all about using your common sense and staying focused. Money is certainly not everything but I am a firm believer in a person doing everything within their power to make sure that they are financially secure. People that piss their opportunities away I have little time for.