Smart people make THEIR OWN luck. Smart people have the resources to create, even attract opportunity by their fierce planning, strategizing, & organization. Luck without smarts nor intelligence means naught. Lucky fools & simpletons aren't lucky for long. There will be ALWAYS someone smarter who will usurp them intellectually or otherwise in one way or another. They don't know how to handle, even appreciate their luck or fortune. They SIMPLY don't possess the wherewithal to maintain, even increase their luck.
Smart people always realize that they are the ones who create their own luck. Luck is not happenstance but a creation as a result of smart, intelligent thinking & visualization. Successful people are lucky because they create situations which attract luck. They know that they must make things happen if they want to progress to the next step. They realize that they are the ones who must create the right atmosphere, know the right people, & create other positive outcomes in order to be at their station. Successful people are smart, there are no dumb people who are successful. Smart people don't only create, even attract luck-they have the wherewithal to maintain, even INCREASE their luck.