"Luck is for the unprepared" is my personal motto.
I have tried to translate it but I'm not confident that it has not been translated as "Luck is a gift to the unprepared", whereas I am looking for a translation that says, "Luck is all the unprepared have andhave" or "Luck is only required by the prepared don't need it"unprepared".
My first try was "Fortuna ad imparatis est".