This depends very greatly on what religion you belong to and how religious you are.
If you are not a religious person and you live in the US, you could argue that Luther has had very little influence on your life. However, if you are a religious person and a Christian, Luther has had an impact on your life. Before Luther, there was essentially only one Christian church, at least in Western Europe. The Catholic Church had a monopoly on the Christian faith. If you are a Protestant, your sect would not exist without Luther.
Whether you are Protestant or Catholic, Luther's ideas have influenced your religion. Before Luther, it was essentially unheard of for people to read the Bible on their own. Religious people relied on the Church to tell them what to do and what to think. Nowadays, people in all major Christian sects are encouraged to read the Bible and to have a personal relationship with God. This is something that is very different from the way things were before the Reformation.
So, if you are a religious Christian today, your life has been changed by Luther because his ideas have had a huge impact on religious thinking in Western Civilization.