>>15 Whether you believe or not, we had made basic life plan when we were born.
Also, we have choices to change our life. I guess it is part of our plan.
More than likely, we setup some difficult situation in the middle of our
life to learn something. So usually, we think we do not have good luck
when we encounter them. We setup the problem(s), so, naturally, we should know
the answer to overcome them. We just can't remember it.
Every time we make choice, we change our life and new problem will arise.
So it is not matter of luck.