I don't believe in luck. It is random. Some of it you can influence by putting yourself in the right environment.
I.e. professional life - I work at startups. Maybe I will get lucky one day and land a big buy out / IPO. If I would have stayed in my "safe job", I would not be in a position to be "lucky". Of course I would also not be unemployed as quickly.
I notice that sometimes bad events pile up - almost like there is a correlation - but it is just like rolling the same number 3 times in a row throwing dice. It happens ...
There are also people where it piles up. Sometimes it is just statistics, but often it is also poor choices, putting them into the wrong environment, where chances are higher that 'bad luck' hits them. Someone without a savings account is more likely to go broke than someone that had the discipline to save ...
G