Let me start off by saying that I consider myself extremely lucky in that I have two beautiful daughters and an incredible husband. We’re all healthy and very happy. We live in a nice warm house and have plenty of food to eat, nice clothes and lots of toys. But when I look back at the last 40 something years, I’ve never been a “lucky” person in what you might think of as traditional luck. I don’t gamble because frankly, I’ve never won more than a free ticket in a scratch off. I’m convinced that the lottery pool I was part of at work never won a thing because I…