I see luck as a blessing hidden inside a challenge.
As a child racing up a slope, I stopped at the right moment, ignorantly fortunate as the slope gave way to a drop off a cliff. Running across grass in Slovakia, I nearly fell down a hole into their sewage system. Foolishly walking on the outside of a crash barrier thinking coincidently about someone who had died in a car crash, a drunken driver spun towards me, time went slow, he missed me by two lengths of my arm. This and other events, a miss by one step or two beats of a heart from tragedy, I could say I am lucky.
I being the empiricist take my truth to be one based on observation and demonstration. I see how always I come within a step of harm but I avoid its penalty. On the day I was to move out of rented accommodation my planned destination home fell through, looking at homelessness I applied to an advert for a flat, I by some weird coincidence ended up living as a neighbour to the person who I had given so many of my material possessions to when I was reducing my belongings for the move. Life is happy to throw me into a stormy river but seems to be nice enough to give me a life jacket at the right moment.
I have a love-hate relationship with the concept of luck. Being rational and scientific about luck fails to work for me. There is a magical X factor that exists that helps me out when the going gets tough, when I am about to hit an ugly situation and it either mitigates or helps me avoid the harm altogether. I am taunted by something that I am unable to explain, at least not scientifically.
The plane crash in Libya in 2010 remains an enigmatic case study for me on the question of luck. Everything disintegrated apart from the tail fin of that plane, more than a hundred people died. There was one survivor, against all the odds he should not have survived, a boy aged ten. Luck is a strange elusive beast, a boy against all the odds surviving a plane crash that kills everyone, but unlucky that he is now an orphan, his parents and brother are dead.
I rather call luck a blessing, the gift that is hidden within a challenge. I observe that luck manifests only after an action, when something is in motion, you need a helping hand to bridge the gap across the void to a dream, hope or goal. I admit my unscientific action for many years of asking the elusive source of this luck to look out for me, that I can continue to cross a road without being crushed under a falling grand piano.