Do you believe in luck and bad luck, or do you believe in right and wrong choices?
Right and wrong choices for the most part, although sometimes people really do get the short end of the stick. But making bad choices greatly increases your chances of "bad luck"
That depends on where you live, there is a huge difference from one place to another. Where I live, the minimum I need to pay all my bills is about $12/hr. Some places you might need $30 or more an hour for the same standard.
Do you agree that doing something in the face of fear is brave?
I would say the words are incorrect. Doing something in the face of fear requires bravery, it does not make you brave.