Life happens.
If it’s as good as or better than we hoped for, we might call it ‘good luck.’
If it’s worse than we hoped for, we might call it ‘bad luck.’
It has happened. It’s only ‘luck’ when see through it our personal lens of likes and dislikes.
Life is neither happening to us, or for us.
It’s just happening.
The rest is opinion.
If it’s worse than we hoped for, but then it leads to something better than we hoped for, what’s that?