Crossed fingers

A lot of people are adamant they achieve things through their own efforts. Luck has nothing to do with it, they say. It's all hard work, determination and shrewdness.

I think they're kidding themselves. Yes, a bit of hard graft is needed. But so many things are down to luck. Being in the right place at the right time. Knowing the right people. Being first in the queue. Hearing something on the grapevine. There are plenty of people who work their asses off with nothing much to show for it.

I know how much luck I've had in my own life. So many things that could have gone horribly pear-shaped worked out surprisingly well. I benefited from the years of prosperity that were followed by recession and shrinking opportunities. Quite by chance I picked up skills that have come in useful ever since.

Other people have even greater luck. They inherit huge sums of money. They win the lottery. They're born to well-connected and multi-talented parents, or turn out to be prodigiously talented themselves. They happen to invent something that becomes a universal must-have.

Knowing as I do how much of my life has depended on good luck, I'm always a bit nervous about the future. Will this astonishing run of luck continue or will it abruptly hit the buffers? Will I suddenly find myself in dire straits, the rug pulled from underneath me? All I can do is cross my fingers, hope for the best and keep on truckin'.

So what will the future bring? Windfalls or pitfalls? Thrills or bills? Trick or treat?

Luck of the draw

Why is it some people have endless bad luck, hit by one disaster after another, while others are blessed by constant good fortune? Is it purely the whim of fate or is it their own attitude to life?

People who've done well for themselves are fond of saying it's due entirely to their own effort and single-mindedness, that anyone who wants to succeed can do so if their really want to. They're where they are because they deserve it.

But it simply isn't true. There are millions of people languishing in dead-end jobs and crime-ridden estates who're just as hard-working and intelligent but are perpetually held back by forces beyond their control.

We're more at the mercy of luck than we like to think. So much depends on our personality and our circumstances, what we were landed with when we came into this world and what happened to us as we grew up and came to grips with the adult world and its challenges.

If you have parents who're alcoholics or criminals or are mentally disturbed, who have no idea how to bring up children and treat you as a nuisance and a liability, what chance do you have of a fruitful life unless you're uncannily resilient and self-motivated? Not very much.

But if you have sober, responsible parents who love you and cherish you, who help you to develop your abilities and talents, who give you self-confidence and determination, your life is immeasurably different and you have a real prospect of achieving your hopes and dreams.

Even when we're grown up, so much hinges on random events we can't control. What our bosses are like, what area we live in, who we happen to meet, how healthy we are. Or whether we're struck by natural disasters like earthquakes or tsunamis. Our destiny can change overnight from prosperous to broke, from despair to joy.

But it's still often said that those who are poor deserve to be poor, that the wealthy and successful have pulled themselves up by their own bootstraps. It's a wicked lie that keeps countless people trapped in wretched and unfulfilling lives.