Sure, there have been times I've felt very lucky indeed, but I wouldn't characterize most of my life as lucky. And I definitely feel I have had my share of bad luck.
Philosophically, I don't put too much stock in the concept of 'luck'. I think everything that happens in our lives happens for a reason, and in fact I think we will it into existence, for the sheer pleasure of experiencing it. Thus, I'm a lot closer to the idea of 'fate' over 'luck'. But the feeling of luck, both good and bad, is certainly one part of most people's lives.