My financial situation is completely my doing. If I want more money, I go out and get a second job. If I am happy with getting by with $1 in my account all of the time, then I stay put at my crummy job. If I want a job that requires higher education, I find some way to get that education and move on in the direction that I want.
If health, or other factors, limit me, then I do my best that I can in that situation and rest at night knowing that I am doing just that. This is how I know if my life is going in a good direction; I can sleep at night. If something is serious enough to cause me to lose sleep, I assess that facet of my life. I had a minimum-wage job, and was feeling really down about it. So instead of staying at that place like many others still do, I went out and applied myself; got a much better job that requires none of the heavier labor that I got shafted with before!
I am all about creating your own destiny and making your own path in life. Sure, things happen to facilitate or hinder you; but these outside factors are something that you have to just make the best of. I don't think that everything happens for a reason; a good reason at least!