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Some people are genuinely unlucky. Most people who feel unlucky are not, and the difference matters.
You are solving it one way
Here is what actually tends to be true when someone feels stuck around money. They are not short on options. They are short on options they are willing to look at. There is one route they have decided is the route, and every bit of effort goes into forcing that one route to work.
That is not stubbornness exactly. It is closer to tunnel vision under pressure. When you are worried about money, your thinking narrows, and narrow thinking feels like focus. It is not focus. It is a smaller room.
What opening up actually looks like
It does not mean abandoning the plan. It means holding it a little more loosely, long enough to ask what else could get you the same outcome. Different income, different arrangement, different person to ask, different timeline. Usually there are three or four routes sitting in plain sight that you have never seriously priced out, because you already decided which one counts.
The restriction is real. It is also self-issued.
Try this. Write down what you actually want, not the method you picked to get it. Then list five ways someone else might get that same thing. You are not committing to any of them. You are just proving to yourself the room is bigger than it has felt.
Most of the time, what changes is not the amount of luck available to you. It is how much of it you were positioned to catch.