lead/have a charmed life

To lead a life characterized or seemingly protected by exceptionally good fortune or luck, without (or rarely) encountering trouble, danger, or misfortune. Great family, great job, nice house. That guy really has a charmed life. You've had a charmed life if you've never been in any kind of trouble before now.

To lead a life characterized or seemingly protected by marked good fortune or luck, without (or rarely) encountering trouble, danger, or misfortune. Celebrities seem to lead a rather charmed life, with everything handed to them on a silver platter. Other than minor colds, I've never been ill in my life. I guess I've just led a charmed life.