Lucky was born in Coral Gables, Florida. He had a life-changing conversion experience while attending Florida State University. At FSU he received a B.A. in Religion, and then received a Master of Divinity at Gordon-Conwell Theological Seminary. He was ordained to the gospel ministry in 1978 in Grafton Presbytery, a United Presbyterian Church USA member. He served for three years with the Coalition for Christian Outreach at Salem College, Salem, WV. In 1980, First Presbyterian Church called Lucky to serve as their associate pastor. Later, he was elected to serve as interim senior pastor, replacing Dr. Jim Stout, and shortly thereafter was chosen to be the permanent senior pastor.
During his years in ministry, Lucky has served as a commissioner to the Synod and the General Assembly, served on the Southeast Regional Board of Presbyterians for Renewal, chaired the Tropical Florida Executive Presbytery Search Committee, served several terms on the Committee on Ministry and served as Moderator of the Tropical Florida Presbytery 2010-2011. He also serves on the Board of Trustees at Palm Beach Atlantic University.
Lucky lives in Palm Beach Gardens, Florida, with his wife and ministry partner, Penny. The Arnolds have two sons, Garrett and Colin and two daughter-in-laws, Suzanne (married to Garrett since 2009) and Amanda (married to Colin since 2013), as well as one grandson.