François Sicart shares his lessons on life and wealth building from fifty years on Wall Street. Good fortune helps, but lasting wealth and generational patrimonies are built through instinct, timing, and patience. No one understands that better than François Sicart, whose own fifty-year career on Wall Street originated from a simple twist of fate. With a veteran’s expert wisdom, Sicart shares insights from his distinguished career in the service of families and individuals. From epic trades to manic bubbles and massive crashes, to maintaining a steady hand at the helm of two companies as the industry underwent many changes, Sicart managed to grow clients’ fortunes through it all. Not merely a book about investment, Luck Is Not Enough examines the delicate family dynamics involved in building a patrimony—and warns against the mistakes that make it so easy to lose a fortune between generations. Luck Is Not Enough is a compelling reminder that one should train oneself to look for opportunities, not right in front of one’s nose but in less obvious places—and to have the boldness and vision to go for it, even when the crowd holds back.