YABU for some of us. I think that it is usually a matter of perspective, fatalism etc.
1) parents who valued education Nope, neither of us had that. DHs family tried to talk him out of going to University in his 30s
2) living in an area the had good schools Nope. I was brought up rurally and expected to be a farming housewife, DH was expected to work for the major local employer. Schools did not work all that hard beyond the basics.
3) having parents who were emotionally stable enough to give them confidence and support No. Neither of us were blessed with that
4) having a parentsl household income in childhood/early adulthood that let them take risks and or stay in education Or that!
5) having good enough physical and mental health to get through school/training/education DH had, I have a hidden, sporadic disability and later, when I did my degrees, cfs that left me bedridden at weekends.
6) having academic/emotional ability and aptitudes for so called "good" jobs I have no idea what that means in real life. I started working in pubs and restaurants, lasted 15 years as a teacher. DH worked as a building labourer now still works outside but is an engineering supervisor.
7) meeting the right friends/partners Definitely! We were each others only support.
8) not having anything go disastrously wrong job wise/financially No, we were both made redundant a couple of times, twice we were both made redundant the same day. The 80s and 90s were very uncertain times.
9) having a crystal ball Nope, We just followed our noses, did what felt right and had few expectations of wealth
10) a lot of luck No. Neither good or bad luck has ever bothered us. We just had life events that we dealt with as we met them. Suicides, ill health, loss of jobs, income etc.
I think the difference between being lucky and not is your expectations. We have never expected anything, so we have never been disappointed. We have never needed much in the way of gratification via possessions, holidays etc. So we haven't set much store on 'things', which means that the few 'things' we do have are relatively expensive.
For example: BIL/SIL earn about the same as we do, started as we did, didn't go to university but got on the job qualifications as they got promoted - both have been with the same employer for decades, SIL for a bank, BIL for a local manufacturer. They bought his mums ex corpy house for a knock down price and have regularly released equity for flash holidays - they live each day as though it is a gift, that is why it is called The Present, apparently [puking emoticon] In their mid 50s, 30 years after buying the house, they still have a hefty mortgage, all those equity releases had a price to pay, they still lease/hire her car, they have a house full of fake/cheap 'stuff' and they really dislike us.
We bought a flat, lived in it for years when it was unsaleable. It was cheap to run and we both went to university, one after the other, we were utterly skint for 10 years. Sold it and put the money away and rented for over a decade. Worked and paid off our debts then saved and saved. All coppers and the odd pound went into a jingle - SIL found that hysterically funny for some reason, but it formed the basis of our saving habit. We rented very rurally, had chickens, veggie plots, did garden gate sales and swaps, it was fun and frugal. After 17 years we bought our own home, a forever purchase, cash, all done and dusted.
I suspect we saved as much money every year as BIL/SIL spent on 'stuff' that they consumed and forgot. Yet we don't feel we missed out on anything, we have equally good memories of experiences that excited us at the time. But SIL insists that we have been so very lucky and that life is just not fair. She is vitriolic in her opinion, I am the very bane of her life, always get what she wants! She even finds the fact that I don't want what she covets to be a personal insult.
So forgive me if I simply do not believe in luck. If a stable childhood is essential, then the odds were stacked against us; if good education is another example, then no, we had to pay for ours in our 30s, in loss of wages and student loans; if stable employment counts then no, neither of us started off well there, DH has been laid off multiple times over the last decade or so and I resigned due to stress and am still not working.
There is no such thing as luck. There is life, and it is very much what you make of it!
We have made the most out of ours, poverty stricken and better off, rented and home owning, working and out of work. We have done whatever was needed, coped and not bemoaned our bad luck or life's unfairness. It just was what it was!
Sorry. That was a rant. But better here than into SILs face!