“I find it hard to believe that you're really going to need all that luggage just for 3 days.”
Your daughter is packing for a weekend vacation. She's packed two large suitcases and a backpack. You think that's too much. You say this.
I find it hard to believe that you're really going to need all that luggage just for 3 days.
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I find it hard to believe that (clause)
"I find it hard to believe..." actually means that you don't believe something. The first part, "I find it ___", means "I think it is ___":
Use "I find it hard to believe..." to complain about something that you don't think is true.
Grammatically, you should follow "I find it hard to believe" with a clause connected by "that". The clause is like a little sentence:
I find it hard to believe that you wrote this paper yourself without any help whatsoever.
luggage
"Luggage" is stuff like suitcases, bags, and cases that you take with you when you travel somewhere.
The word "luggage" is uncountable, so people don't normally say "luggages." Other related words, like "suitcase", are countable:
I find it hard to believe that you're really going to need that many suitcases for just 3 days.