Luck

When Galdalf is fighting the Balrog, he happens to have the one sword in Middle Earth that can withstand its heat, Glamdring. That he had that sword was more than just luck.

Likewise, the circumstances and resources we “happen” upon in our life, are there by design. Paul states that all things work together for good to them that love God, to them who are the called according to his purpose.

The question is: do you want to believe this, or do you want to explain this away?