अधिष्ठानं तथा कर्ता करणं च पृथग्विधम्।विविधाश्च पृथक्चेष्टा दैवं चैवात्र पञ्चमम्॥
adhiṣṭhānaṃ tathā kartā karaṇaṃ ca pṛthag-vidhamvividhāś ca pṛthak ceṣṭā daivaṃ caivātra pañcamam
Word by word
The verse says
The place it happens, the one doing it, the different instruments, the various separate efforts, and the fifth of them: what is simply given.
In plain words
Here are the five, and the fifth is the one to look at.
The body. The doer. The instruments. The efforts. And then daiva - what is given, what comes from beyond you, sometimes translated as providence and sometimes as luck.
It is listed last and it is listed as equal. Not as a footnote. One of five.
Where you've felt this · at work
Two shopkeepers open the same kind of shop in the same month with the same savings. One of them is on the side of the road where a bus stop gets built the following year. Twelve years later one shop has three branches. Both of them worked the same hours.
Going deeper
Luck being included as one of five equal causes is the honest part of this list, and most accounts of success leave it out.
The word is daiva, which covers everything that was simply handed to you: the body you got, the family you landed in, the year you were born, the road the bus stop went on. You selected none of it and all of it shaped what you were able to do.
Leaving it off the list produces two errors in opposite directions. People who did well conclude they are the cause of themselves. People who did badly conclude they are the cause of that too, which is crueller and just as wrong.
Putting it on the list does not excuse you from effort, which is also one of the five. It just makes the picture accurate, and an accurate picture is easier to live inside than a flattering one.