This document discusses the concept of luck and how people can maximize their "return on luck". It makes the following key points: 1. Luck happens to everyone, both good and bad, and is unpredictable. However, luck alone does not cause success - it is what people do that matters most. 2. The most important form of luck is "people luck" - finding the right mentor, partner, teammate, or leader. Developing resilience allows people to use difficulties to grow and achieve success, rather than seeing them as matters of luck. 3. Getting a high "return on luck" means throwing yourself intensely at opportunities or challenges with sustained effort until your goals are reached. This can have a multiplying