Is "with my luck" only used in negative meaning?
Yes. "With my luck" is only really used in a negative and sarcastic context. It means that the speaker is not lucky and that something bad will happen to the speaker. Ex: With my luck, my ex-boyfriend will be there. Ex: This is just my luck! I knew I wouldn't get the job. Ex: With my luck, I'll break my leg when we go skiing.
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