Luck is a multiplier of work. It's exceptionally rare to benefit from pure luck-- to find buried treasure, or something like that. Usually you have to be working on something to give luck room to strike.

Luck can also set you up in a better position initially. E.g. you could be lucky enough to be born in a country not run by kleptocratic dictators, or to have a received a good education, or to have good health. But you always seem to have to work a certain amount to make a bridge from this initial luck to later stage luck.