Luck vs. Strategy: How to Make Your Own Financial Good Fortune

Every March, we see shamrocks, four-leaf clovers, and lucky charms everywhere. 🍀 And while a little luck never hurts, let’s be honest—financial success isn’t about luck. It’s about strategy.

The truth? The people who seem “lucky” with money are usually just making intentional financial moves behind the scenes. They’re building systems, setting goals, and making smart choices that create real financial stability and freedom.

If you’re tired of waiting on luck to change your money situation, here’s how to take control and create your own financial good fortune.

1. Know Your Numbers (So You Can Make Smarter Money Moves)

Would you get in a car and start driving without knowing your destination? Probably not. 🚗 But that’s exactly what we do when we avoid looking at our finances.

💡 Action Step: Take 10 minutes to check in on your numbers:
✔ How much do you have in checking & savings?
✔ What’s your total monthly income & expenses?
✔ Do you have any debts or financial obligations you’re working on?

✨ The more you know about your numbers, the less power money stress has over you.

2. Automate Your Money (So You Stay on Track Without Thinking About It)

One of the easiest ways to feel “lucky” with money is to remove decision-making from the equation. When you automate savings, bill payments, and even debt payments, your money starts working for you—without requiring constant effort.

💡 Action Step:
✔ Set up an automatic transfer to savings (even if it’s just $20 per paycheck).
✔ Automate bill payments so you never worry about late fees.
✔ If you’re paying down debt, schedule extra payments to chip away at balances faster.

✨ The less manual effort it takes to manage your money, the easier it is to stay consistent.

3. Take Advantage of “Free Money” (AKA, Benefits & Perks You’re Not Using)

A lot of people leave money on the table without even realizing it.

Are you maxing out the benefits, rewards, and perks available to you?

💡 Check for these money-saving opportunities:
✔ Employer benefits: 401(k) match, HSA contributions, professional development funds.
✔ Credit card perks: Travel rewards, purchase protection, extended warranties.
✔ Tax credits: Are you taking full advantage of deductions or credits you qualify for?

✨ Small changes here can add up to thousands of dollars per year—no luck required.

4. Build Your Own “Financial Good Fortune” Fund

Instead of waiting on a lucky break, set yourself up for success by creating a Financial Good Fortune Fund—aka, an emergency fund, an opportunity fund, or simply money that gives you options.

💡 Action Step:
✔ Open a dedicated savings account for financial security.
✔ Set a goal: Even $500-$1,000 can be a game-changer for unexpected expenses.
✔ Add to it regularly—whether it’s through side income, tax refunds, or small monthly contributions.

✨ This is the kind of “luck” you can actually control.

5. Play Offense AND Defense With Your Money

Winning with money isn’t just about cutting back—it’s also about earning more.

People who seem “lucky” financially often have multiple income streams, investments, or businesses that increase their options.

💡 Action Step:
✔ Look for one small way to increase your income—ask for a raise, pick up freelance work, or sell unused items.
✔ Invest in yourself. Skills, education, and networking can open doors to more opportunities.

✨ Your financial future isn’t just about what you save—it’s about what you build.

Final Thoughts: Stop Waiting for Luck—Start Making Moves

At the end of the day, financial success isn’t magic. It’s the result of small, intentional moves that add up over time.

✨ Your challenge: Pick one strategy from this list and put it into action this week.

🚀 Want a personalized game plan? Take my free Money Personality Quiz and get tailored next steps based on your financial style!

👉 Take the Quiz Now: howtoaffordeverything.com/quiz