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You're right:

Of course, some events in life are purely random, like winning the lottery or being born into advantageous situations

I focused on the other part:

but for the most part, I think what is perceived as luck is a mixture of good judgement, hard work, and the willingness to take a chance

Maybe I disagree with the "for the most part" bit. 😇 I saw too much too early to accept that. Ready for another?

My oldest brother was stricken with rheumatic fever when he was very young. We don't know when it started, but when he was eight he was given the last rites and doctors refused to treat him. He was taken out of that hospital and transferred to a heart center. There they used experimental therapies on him. He spent a year in the hospital and the rest of his adolescence convalescing. That man grew up to be a father, a grandfather and a wealthy businessman. So, in his case, we're both right. He lost his childhood and suffered much, but that didn't stop him. As an adult, he made his own luck.

Ok, no more...please. I've come right around to your way of thinking:)
But seriously, your poor mother. It's incredible how she coped.
My step-brother was removed from the home when he was around 12, put in a mental hospital and given shock treatment, as recalcitrant children were in those days. He spent his entire adult life as my dependent until thankfully, he got his old age pension in September. I must say, fair play to your brother!

removed from the home when he was around 12, put in a mental hospital and given shock treatment,

😦

No wonder I feel I know you

To know me is to love me!:)

That happens to be absolutely true 🌷