I don't believe in luck period.
People who are born into money, may seem fortunate, but they may also never know the joy of working hard and of a job well done.
Many people who are 'down on their luck' have failed to plan for any stages of their lives, always assuming that someone or entity (the government) will take care of them.
People are capable of making choices and for many it is the wrong choices one after another that ends them up where they are and good choices one after another end people up like the poster with 3 years income available. Yes, accidents happen, people get sick, etc. but those who are already living a financial lifestyle based on commonsense will still have abilities to help them figure out what to do and how to handle things when life goes wrong.
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