Luck is necessary, but not sufficient. To be clear, most people have average luck, so with average preparation and an average amount of hard work things will t

Luck is necessary, but not sufficient. To be clear, most people have average luck, so with average preparation and an average amount of hard work things will turn out average, on average. Helps if you're born rich and all that, but on average this holds some truth. Sometimes, you'll be unbelievably unlucky, and no amount of preparation will fix that. But that's unlikely, so you have agency.