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@Alphakilopapa

While luck is certainly a factor as you point out its not usually the dominant one.. I mean you say you have shit luck, but one accident in just the right way can put a person 100K in debt whether its from law suits or health insurance not covering something or whatever.

You can minimize the chance luck will bite you in the ass. But you cant eliminate it as a factor.. the fact that you are thriving means even if you had bad luck, your luck could have been far far worse.

@selea