Two aspects of luck
1. Good Luck can strike like lightning when you least expect it.
2. Good Luck can also be planned if a person has enough determination to focus on the steps to improve their situation. It's called "making your own luck."
When someone wins the lottery it's pure luck. No amount of planning can make it happen.
In contrast, you can combine knowledge and luck and find expensive and rare items in a garage sale.
The most recent example is a rare 15th-century Chinese antique purchased for $35 in New Haven, Connecticut.
The person who discovered the "Lotus Bowl" was knowledgeable about porcelain craft and always kept their eye out for treasures.
It paid off and the lucky person (name not released) sold the rare bowl at an auction - Sotheby's - and got $721,800 dollars for it.
As for pure unadulterated luck I have a personal example for you.
When I was in Vietnam (1970) I stepped on a land mine while minesweeping Hwy. 1. My squad leader saw the depression in the road before I did and shouted (and used hand signals) to stop... but I took one more step before complying.
Ripping off my ear phones in a panic I was sure my time was up as I stood there on shaky legs!
The rest of the squad scattered to the sides of the dirt road. Everyone but my squad leader. He got down on his knees and started probing around my foot with a k-bar knife.
After uncovering most of the plate he wiped the sweat off his brow and told me it was okay to step forward - it was an Anti-tank mine (a leftover from the French occupation) and I wasn't heavy enough to set it off.
That's when I became a believer in dumb luck.
At one time or another, we all have encounters with good luck. How you get it, is a story with two possible tales.