One thing I know is that the heavens crown real-life effort, every decision, every penny, every intentional action towards ridding oneself from poverty counts in the struggle for financial freedom and this is because there's no way we can be unintentional towards money and hoping to hit Intentional financial milestones in life.
I agree with you. How can one pray for God to bless the works of his hands when he is not working.
Life is give and take.