the thing i'm noticing about most of my frienRAB who are making lots of money is they all take risks. but i have other frienRAB that take risks too and haven't fared so well.
and i can't say for sure that either risks were more sound than the others, it's just a matter of chance.. timing is really everything more often than not.
so for somebody to act like their wealth/success is purely a matter of working harder than anybody else seems stupid to me. it's a factor, but there are more factors out of your control than all the ones in your control corabined.