You mean risk.
I have a lower risk tolerance than some. So my highs are not as high but my lows are no where NEAR the lows.
I also work.
“Luck” in this case means being born so rich you never have to work.
A lot of second generation rich that I know feel so guilty about it, they try to tear themselves and everyone else down.
The first generation accumulates.
The second generation consolidates.
The third generation dissipates.