“I was lucky”
No, it was good planning and discipline. My sister-in-law and her hubby are libs and they have a mindset where if you get up and go to work in the morning, that means you are lucky. They can’t drag their butts out of bed, so they are unlucky, and lucky people like me need to support them. I cannot stand this excuse for willful sloth. You make 99% of your own luck.
Luck is the residue of good planning.