It depends on what you mean by "education." Basically, education is knowledge, which one can get in many ways. The term is abused, however, to mean "certification," and unless your ambition is to work in a licensed profession requiring a particular degree that's worthless.
The monster hidden in the educational closet is that the average college bachelor will never earn enough extra out of it to get back the cost of his degree. The system is fraudulent, selling empty promise for a huge flow of cash off which many of its insiders live high. So it was with the Medieval church colleges, and so it is with the secular colleges of today.
So, the answer is that if by "education" you mean knowledge you can use to get along well in life, then that is more important than luck. If by "education" you mean becoming certified by the established educational system, then luck counts for more in today's world.