Well, I am pretty sure that I've seen people work hard and very well but it seems that their hard work isn't still enough. So, you're right that they didn't work hard enough. However, in this generation, working smart is another thing that everyone has to consider to become rich. Whilst those that have worked for the rest of their lives and they've got exact provisions for themselves, the definition of being poor on them is subjective on what they think about it. So it has to be both working hardly and smartly or wisely.

That's true, the riches are skilled in making money but not all of them managed to do it equally and rightfully.