I’ve been lucky. I was born in a relatively prosperous, relatively pleasant place and family. My health has been pretty good so far. Despite a crushing load of peccadilloes and irritating attributes, I acquired my LSW (long-suffering wife). We, with below-average parenting and organizational skills, managed to raise our children (who are great like gods).
Beyond all that, my major screw-ups have done little harm! I almost killed myself driving badly, but there was no accident. Twice.
It would take too long to list all my major screw-ups. Hopefully advancing age will erase my memory of them.
Sure, you can “make your own luck” by taking useful actions, which (usually) leads to more useful results than does inaction. But IMO, most of our fate is dealt to us like a poker hand that we must play.