People’s lives are a reflection of the experiences they’ve had and the people they’ve met, a lot of which are driven by luck, accident, and chance. The line between bold and reckless is thinner than people think, and you cannot believe in risk without believing in luck, because they are two sides of the same coin. They are both the simple idea that sometimes things happen that influence outcomes more than effort alone can achieve.~ Morgan Housel from, http://www.collaborativefund.com/blog/the-psychology-of-money/
This is a long read. It was worth every minute that it took me to read it twice.