I don’t know about you, but I find it hard not to take bad luck personally.

I have this belief in karma. So when bad luck happens, I don’t just blame happenstance.

I mentally review my list of recent behaviors as if to find the source of the bad luck. As if I somehow “created” it. Sometimes I believe I do.

That actually seems a bit silly. It reads as if I believe there is some kind of “tit for tat” accounting system in the Universe that rewards people (okay, me) for my good behavior and punishes for my bad behavior.

If the Universe IS trying to punish and teach me a lesson, it is a little bit of overkill. I beat myself up thoroughly enough over real or imagined harm I have done to others.

I can be spleeny and petty, I grant you. I am trying to come to grips with that. But I also have deep spiritual faith. So I actually do believe on some level that bad actions are punished and good behavior is rewarded. Eventually. Granted, it may be on our deathbed.

I know that seems a little silly. It is hard to imagine “god” (whoever or whatever we conceive him/her to be), sitting up on a big white cloud doing accounting all day.

I mean, given the size of the world population, god’s accounting firm in charge of “good” and “bad” behavior must be vast. And I can think of no greater irony for someone who has lived a life worthy enough to land them in heaven to spend an eternity doing accounting in god’s firm. Of any kind.

So my spleeniness challenges me. It is embarrassing to disclose what a kick I get out of my revenge fantasies. “I will do this bad thing to this abuser” and “that bad thing to that other abuser.” The fantasies get so convoluted and ornate that I can be very well pleased with myself for their sheer creativity.

What I am supposed to do for spiritual and emotional growth in the face of “bad luck” – I have read – is to let go. Release the offending incident and the offenders. Karma is supposed to have its way with them. Rotten fruit eventually falls from the tree and all that.

It is laudable when business success is attributed strictly to “good luck” and “talent” and “hard work.” It rarely is the whole picture.

Ruthlessness is an essential quality when your primary goals are to beat the competition and rise to the top of however you define success. Wealth. Power. Privilege. Access. Freedom.

Most of us want to get there or to some semblance of there. Not a great many do.

Those who do are not always eager to share the secrets of their success at the outset. Well, at least not until they are well-settled and satisfied with the level of success they have personally achieved.

Or they get old and start stock-taking. It is usually only then they can turn around to face the masses and imbue them with the “wisdom” they gained to get where they got.

When the superrich encounter bad luck, I am sure they just mow their competition down. They don’t give a fiddler’s fig about the impact steamrollering the opposition will have if less than ethical strategies work in their best interest.

So when bad luck descends, where do you go with it in your mind? Do you use “stock excuses”? “If I hadn’t done this, then that wouldn’t have happened.” “I was in the wrong place at the wrong time.” “If it wasn’t for bad luck, I wouldn’t have any luck at all.” And so on.

The truth is we don’t always necessarily know why bad luck happens. We just know it is part of life. The losses and insults we have to process are on a very wide continuum indeed. There is a planet of difference between losing an expensive pair of glasses and losing a limb in combat.

But processing bad luck goes through some predictable stages. And ultimately, the response always comes back to what we can and cannot control about the bad luck that has befallen us.

We can go to an optician to replace a pair of glasses. We can undertake the difficult process of rehabilitation in the face of a lost limb. Though the losses vary in scope, whatever issue you are facing must ultimately be addressed in the same way.

So use whatever justification is necessary in the face of bad luck to process and make sense of it for yourself. Maybe it is your karma. Maybe it isn’t. Maybe you should have been more careful with those glasses. Maybe you should have never signed up with the military.

Every action we take has inherent risks. Heck, every day on the planet is a risk. Some people who got up this morning won’t see tomorrow.

I do find it helpful to try to put my bad luck in perspective. There is that old Chinese proverb about the farmer whose horse runs away. Everyone sees it as bad luck until the escaped horse returns with a herd of mares, thus adding to his wealth.

The caution is inherent in Rudyard Kipling’s famous poem, If: “If you can meet triumph and disaster and treat those two imposters just the same.”

Maybe my recent bad luck has nothing whatsoever to do with me or karma or the wrong place at the wrong time. But as I said initially, it is sometimes hard to recognize that in the first blush of searing disappointment or loss.

I need to keep working on keeping myself emotionally and spiritually balanced in the face of “bad luck.” Thankfully, in this instance at least, nobody died.

For that, I feel grateful and profoundly lucky. Always.