Down on your luck means going through a bad patch with no money. A man down on your luck.
It blames circumstance rather than the person, which is the kindness in the phrase. Anybody down on your luck is assumed to have had better times, which is why it is said gently.
1phrasedown on your luckGoing through a bad patch with no money.
“He was down on your luck for a year and never once asked for help.”
down on your luck is a phrase.
Practised in Idioms