När jag har otur på morgonen spiller jag kaffe och glömmer nycklarna.

Because Swedish main clauses follow the V2 rule: the finite verb usually comes in the second position.

Here, the whole opening clause När jag har otur på morgonen takes the first position. That means the main verb must come next:

• När jag har otur på morgonen spiller jag kaffe ...

So the order is:

• subordinate clause
• finite verb: spiller
• subject: jag

Inside the subordinate clause itself, the order is normal: jag har.

När means when or whenever, while om means if.

In this sentence, the idea is habitual or repeated:

• När jag har otur på morgonen ... = When/Whenever I have bad luck in the morning ...

If you said Om jag har otur på morgonen ..., that would sound more like a condition:

• If I have bad luck in the morning ...

So när fits better for something that happens whenever that situation occurs.

Otur is a noun meaning bad luck. Swedish commonly says:

• ha tur = have good luck / be lucky
• ha otur = have bad luck / be unlucky

So jag har otur literally means I have bad luck, but in natural English it often comes out as I’m unlucky.

This is just the normal Swedish way to express the idea.

Swedish often uses på in time expressions where English uses in.

So:

• på morgonen = in the morning
• på kvällen = in the evening
• på natten = at night

A very common confusion is with i morgon, which means tomorrow. That is a different expression.

So:

• på morgonen = in the morning
• i morgon = tomorrow

Because Swedish uses the definite form here.

• en morgon = a morning
• morgonen = the morning

In the expression på morgonen, the definite form is the normal one, just like English normally says in the morning, not in morning.

Also notice that Swedish usually puts the at the end of the noun as a suffix instead of as a separate word.

Because kaffe is being used as a mass noun, like coffee in English.

So:

• spilla kaffe = spill coffee

This means coffee in a general sense, not one specific coffee item.

If you wanted to make it specific, you could say things like:

• spiller kaffet = spill the coffee
• spiller mitt kaffe = spill my coffee

But in this sentence, kaffe without an article is completely natural.

Swedish usually adds the definite article to the end of the noun.

Here are the forms:

• en nyckel = a key
• nycklar = keys
• nycklarna = the keys

So -na is the definite plural ending here.

This is a very common Swedish pattern.

Because Swedish often uses the definite form when the thing is already understood from context.

So glömmer nycklarna naturally means something like:

• forget the keys
• forget my keys

In context, the listener usually understands which keys are meant.

You can say mina nycklar, but that adds more emphasis:

• Jag glömmer mina nycklar can feel a bit more like my keys, specifically

So nycklarna is often the more natural choice in everyday Swedish.

Because Swedish present tense is often used for habitual or repeated actions.

This sentence describes what typically happens:

• När jag har otur på morgonen spiller jag kaffe och glömmer nycklarna.

That means:

• When/Whenever I have bad luck in the morning, I spill coffee and forget the keys.

If you wanted to describe one specific past event, you would use the past tense instead:

• När jag hade otur på morgonen spillde jag kaffe och glömde nycklarna.

Because spiller and glömmer share the same subject: jag.

So the sentence works like this:

• spiller jag kaffe och glömmer nycklarna

The subject jag applies to both verbs.

This is very common in Swedish, just as in English:

• I spill coffee and forget the keys.

You can repeat the subject in Swedish, but it usually sounds more emphatic or more like two separate clauses:

• ... spiller jag kaffe och jag glömmer nycklarna

That is possible, but less natural here.

Not necessarily.

In Swedish, commas around subordinate clauses are often more optional than in English. So this is perfectly normal:

• När jag har otur på morgonen spiller jag kaffe och glömmer nycklarna.

Some writers might add a comma for clarity or style, but it is not required here.

So if you leave the comma out, the sentence is still completely correct.