During a recent trip to Germany, Michael Guzder and his wife learned a variation of the card game Rummy, inspiring a reflection on the role of luck and hard work in success. Since returning, the couple has played frequently, with each experiencing alternating streaks of winning and losing, despite following the same rules and procedures. This observation sparked Guzder’s exploration of how luck influences outcomes in life.

Guzder distinguishes between luck, fate, and destiny. He defines luck as unpredictable events that occur without human control, fate as predetermined outcomes regardless of actions, and destiny as the direction one’s life takes, partially shaped by choices and efforts. These concepts are encapsulated in the Indian term "kismet," which can represent all three ideas.

From a scientific perspective, probability explains much of what is perceived as luck, as random events can lead to exceptional patterns. However, Guzder acknowledges that this understanding does not fully satisfy human curiosity about why certain outcomes occur.

Drawing from his personal experience at The Bishop’s School in Pune, Guzder recounts his rise to headmaster after several senior staff members left, an occurrence beyond his influence. He considers this initial shift a matter of luck, while crediting his preparedness and dedication in fulfilling new responsibilities as factors shaped by hard work. According to Guzder, success rarely results exclusively from either effort or chance; rather it involves a combination of timing, circumstances, privilege, and one’s ability to seize opportunities.

He reflects that capable individuals may miss opportunities, while others may encounter success without full preparedness. Despite the elusive nature of luck, Guzder encourages appreciation when it occurs and caution in assuming all achievements are self-earned.

The ongoing debate between Guzder and his wife over who has better luck at cards symbolizes a broader human tendency to attribute success differently. Ultimately, Guzder concludes that while luck cannot be predicted or controlled, the most meaningful measure is how individuals utilize the circumstances they are presented with.