The answer is no, I don’t believe in luck ‘exactly’. I believe the quote that best describes it is:
“Luck is what happens when preparation meets opportunity.”
I believe that we all create our own destiny–we make choices, some great, some good, some bad and they lead us in a particular direction. But providence has a big hand in that as well. I say, be prepared for anything, we’re all going to fall down and scrape our knees at one time or another, but be ready to get back up and learn to take advantage of great opportunities, they don’t come around very often.