The trajectory of our lives is determined by a series of choices and luck, but it seems to me that many people discount how big a role luck plays. From the perspective of a baby, the family the baby is born into is a matter of luck. The child has no choice in this matter, and has done nothing one way or another to deserve one family more or less than the other. The child’s only action to this point is being born. As a study released by the Urban Institute found, children born into wealth tend to live life as wealthier adults.