Bravo, what you said is 100% correct, hard work and luck are attached together, but hard working is really important, you can not sit in one place and wish your self luck hoping that you should be successful, that can never happened, you have to work harder and get luck to be a successful person in life, you need to hustle and struggle a lot before you can meet your needs and fulfill your goals, and also take care of your fiscal responsibilities, you can not involved yourself in illegal activities just to be rich.
Work is part of an effort which must also be accompanied by hard and smart because if we only work hard without thinking more intelligently it will also be quite difficult to expect the good results we want now. As for prayer, it is a companion after we try through our own work which we have previously accompanied with the level of intelligence we currently have. So to be able to be rich and have a better level of financial freedom, of course there must be these three things in ourselves, namely working hard and making smart decisions and the rest is praying after doing both of these things.