Just think of the “who luck” in your own life. It could be the luck of stumbling across a life-altering mentor. It could be the luck of finding a great friend or an ideal life partner or an incredible boss or teammate. It could also take the form of stumbling across someone who’d be a spectacular person on your bus.

I’m convinced, in any case, that it is from this position of not feeling as though you need to earn your weeks on the planet that you can do the most genuine good with them.

Risk and luck are doppelgangers. This is not an easy problem to solve. The difficulty in identifying what is luck, what is skill, and what is risk is one of the biggest problems we face when trying to learn about the best way to manage money.