I lost my wallet.
我的皮夹不见了。
I'm sorry, that's bad luck.
我很遗憾,那太不幸了。
wallet 男士钱包
coin purse 女士小钱包
As luck would have it, S + V
=Fortunately, S + V
所幸的是/幸好……
I forgot to bring money with me.
As luck would have it, our boss treated us to lunch today and I didn't need to spend any.
我忘了带钱。幸好,老板今天请我们吃饭,而我就不必花钱了。