Luck?
She, Gu Nuan, was a deaf person, yet they say she has luck?
No, it could only be said that this indecisive man was not utterly without skill; otherwise, her husband wouldn't have brought him along last time. This was a man who was calm and steady, exceptionally cool-headed, even perhaps too much so, his cautiousness bordering on excess. In one respect, this might make him seem to miss early opportunities and fall behind others, but on the other hand, there was no doubt he could see more clearly what was unfolding before him than most.
Making money, or doing anything, really does depend on luck. Otherwise, why would there be an ancient saying, "Do your best and let Heaven dictate the outcome." Some people are naturally talented but lack the luck, and end up poor and unsuccessful all their lives, unable to rise above their station.