I've only once been called lucky, although I consider I am.
With my siblings I spent my early years in mostly separated foster homes and when back home we were definitely very low income. Not very nice.
However we had loving parents who wanted nothing more than we should be educated. Luck.
University was free back then. Luck.
As for the talent bit, we were bright, very able children so the fostering set-backs didn't have lasting effects, at least not on academic achievement. We none of us had to work hard to do well. Luck.
All healthy. Luck.
Marrying a good man has an element of luck, of course.
Having DC definitely luck.
Buying a house at the right time. Sheer luck,. No planning involved.
An inheritance, though I'd rather my sibling wasn't dead. Luck.
I've always worked in public service and now benefit from the pension, and now I think of it, it is this that attracts the "lucky" observation, even though you couldn't opt out of them back in the day, so hardly a windfall. And I paid out of my salary for it, with additional contributions, so saved.
Do I sound exercised about this?
I think it's because the situation is so horrible now with housing and pensions, but I can't be doing with the grudging nature of the observation on pensions. Unbelievably even had this from a near-millionaire!