I don't believe in the idea of bad luck. When your life is unhappy and things seem to be going poorly, I believe it is a message from G-D that you should make changes in your life. You should examine what you are doing, and decide how you should improve. Viewing oneself objectively is not easy.

I used to be very selfish but am much less so today. I went for many years giving almost nothing to charity. I didn't care very much about most people. I am quite different now.