The Nature of Luck and Chance
Most of us have daydreamed about winning the lottery. One minute you’re checking your ticket, the next you’re planning a trip to Italy, buying a beach house, and telling your boss you’ll be “working remotely” from now on.
But luck and chance aren’t just about Powerball. They show up in all sorts of ways, some obvious, some sneaky. When it comes to your finances, understanding how luck works can make a big difference.
We tend to think of luck as dramatic, a big win, a surprise inheritance, or finding a rare coin. But sometimes, luck is quiet. Like landing a job with great super contributions. Or buying a house before the market took off. Or simply sticking to a savings plan while others got distracted by shiny things. These moments don’t make headlines, but they add up. With a bit of planning, they can turn into something pretty special.
Here’s a cheeky thought: maybe luck isn’t just random. Maybe it’s something you can encourage. People who seem “lucky” often do things like:
- Stay informed
- Ask for advice
- Take smart risks
- Say yes to opportunities
In other words, they put themselves in the path of good fortune. They don’t just wait for the stars to align they build a telescope and start looking.
If you’ve got a roof over your head, a bit in super and someone to share a cuppa with, you’re already ahead of the game. Financial planning isn’t about chasing rainbows. It’s about making the most of what you’ve got, preparing for what might come and enjoying the ride.
So next time someone asks, “What would you do if you won the lottery?”—smile and say, “I’d call my adviser and make a plan.”
If you ever do win the lottery, well… I’ll be waiting with a spreadsheet and a celebratory lamington.
Momir Vuksa
SMSF Specialist Advisor™/ SSA®
Representative (No 1306168)
