Most of the time, I don't consider myself to be very lucky, but compared to some people I'm familiar with I've hit the lottery, made it big, retired, etc. For all my bitching and moaning, I've been incredibly fortunate.
I have a friend who is a single mother. She's in her early twenties, has a crappy job, etc. She was recently injured and is in great deal of pain when she moves. The web is filled with blogs about people whose situations are similar.
It's when I read about stuff like that and meet the people behind them that the reality sets in for me. I'm living in a fantasy, they are living in reality. The reality where you are 4 flat tires away from bankruptcy. The reality where you'd better not loose your job or you could literally be on the street.
While I can take credit for some of my situation, the fact of the matter is that I got lucky. I got lucky in that I was born into a family who were doing well financially, and who cared about me. I got lucky in the opportunities of my life. I got incredibly lucky when I found my wife.
I don't believe that this is a result of having been good in a previous life and I don't believe that I'm chosen by some super natural being. There are simply too many examples of people suffering due to nature, circumstances, etc. for me to accept that.
I do believe that I've been lucky.