When we use the phrase "have one's ship come in," we're talking about a moment of great fortune or success. This metaphorical expression suggests that a person's hard work has been rewarded and they've hit the jackpot of life. To convey a similar idea, you could use phrases like "strike it rich," "hit the big time," "make a killing," or "hit the jackpot." Alternatively, you could use more straightforward terms like "succeed," "prosper," "flourish," or "thrive." However, none of these options quite capture the excitement and surprise of having your ship come in.