The same work some do for 5 years and make it in life, other may do it for over 20 years and still feed from hand to mouth. Can we conclude that such are individual destiny?
The difference is how they manage their time and money, others could work for 5 years while managing their income and opening small business or investment to create a brighter future for their self or family.
While others could work for a long time but living a life that they want spending on parties or things that they enjoy.
Only the lazy and doesn't know how to manage their money are destined to be poor, so if you are one and doesn't do anything to change it then you already know your future or what awaits you.