“No matter how much effort is exerted, no-one can earn one cent more than G-d has ordained that he – this particular person – shall earn. One must do what is necessary, but one must remember that all his work is but an adjunct. The main thing is G-d’s blessing, and that blessing is earned by being observant of G-d’s commands:  Davening with a Minyan, observing Shabbat B’hidur (beyond the minimum, with “beauty”), meticulous observance of Kashrut, having children instructed by sincerely religious teachers (who are
personally observant).” ~ The Lubavitcher Rebbe zt”l