I think it's a combination of creating your own luck and how you view what happens to you.
Of course, careless people will have more misfortune because they don't consider the consequences of their inactions. Reckless people will have more wrecks. People who plan for the future and do their work correctly and conscientiously tend to have more success and fortune.
For real chance, truly accidental things that happen to you, whether it's good or bad luck depends on how you interpret it and what you do with it. If you view something as a "setback" and use it as an excuse not to move forward, then you are making it bad luck. If you view it as a challenge, and a stepping stone to better things, then you are making it good. You can squander "good" luck, such as winning a lottery, and ruin your life with debauchery, or invest it and make it better for you and others.