yeah Luck factor do exists
but it's value can be understood by an example,
If u r rowing a boat then boats speed depend on two things
- how fastly u rows the boat
- wind speed and direction
- In our life Luck is analogous to this wind speed , sometimes it supports the boat , sometime it opposes the boat and sometime it is at standstill . Wind speed can be as fast as possible but it can never stop the boat from reaching its destination if the rower is determined. Wind speed can ONLY TERRIFY the rower and the maximum it can do is to delay the boat but can never ever stop the boat untill rower is willing to reach it's destination.