The degree of luck that involves our lives is a factor we all have. However we also have the ability within us to enhance that degree through our own personality, effort, ability, etc. To not say well, this decision I made which was basically stupid, was the result of external factors to me is simply not acceptable. There were plenty of people who were much better off, and much worse off, who simply did not buy a home. Period. So to claim to be a victim of external forces, or easy opportunity, or the entire industry pushed you into it, or whatever you want to choose, simply does not wash. It was a choice, nothing more, and nothing less. For some it worked out, for some it did not. The relativity of luck in your life shouldn’t be an enabler for poor decisions.