I've been asking this question myself everytime I am having a hard time here at work.
If we will not be pushing ourselves; to exert that effort needed, we will never be able to generate the money we are expecting. We should work hard and work smart to attain that kind of state in future. Where we don't exert that much effort but still earn a lot.
Also, managing our money well is very important. The question is not always how much you earn, it is also how you manage them.