I'm out of luck. 我运气不好。
I'm in luck. 我很走运。
例句：
I'm out of luck——I left my key at home again. 我运气不好——我又把钥匙落在房间了。 I met that guy three times in a day.It looks like I'mout of luck today. 看上去我今天运气不好——我今天一天内遇到他三次。 I'm out of luck.How could this happen to me? 我运气不好。这怎么会发生在我身上？