The Luck Cycle sets the climate. The Annual Star is the daily weather.
A Luck Cycle is a decade-long theme. If you're in a Wealth cycle, money and value dominate your life chapters. The annual stars within that decade trigger specific months or years of opportunity or challenge within that larger theme.
A stormy annual star in a supportive Luck Cycle is manageable — it's a bad week in a good year. A stormy annual star in an already harsh Luck Cycle hits harder.
Generally: the Luck Cycle matters more for long-term planning. The Annual Star matters more for short-term tactical decisions. Wise navigators watch both.