I saw a new explanation of fate and luck: without any external interference, the behavior done habitually is fate, and the behavior done against character and habit is luck. Luck is changeable, fate is fixed. The so-called changing fate against the will of heaven is not against heaven, but against oneself. -- I will extend this a little bit here. Luck can be good or bad. What can be controlled a little bit is thinking. The change after thinking is different from the change out of anger. In the trading market, if you are naturally cautious, you should take more risks sometimes. If you are naturally bold, you should be more restrained and rational.