I don’t believe in luck. “I’m down on my luck”, people would say, as if the forces of the universe had conspired against them and they are helpless in the face of their own destinies. I believe there is the element of chance, however I just don’t believe it controls your life. I believe that with proper planning and time management, the damage from random events can be minimized. For example, to avoid missing an important appointment, get up earlier. To avoid debt, save your money for a rainy day. Life will kick you in the shins sometimes, but if you have a backup plan, there is always a way out.