It is impossible that davening in shul…should cause us to miss out in the parnasa that was decided for us.  So why does a Yid go to the phone before davening? He isn’t going to use the phone to remind his friend to come to the minyan — the real reason a phone was created…

He thinks that his hatzlacha is based on what he does: If he gets the businessman in time, it will be good. But the truth is that when we first daven and learn something, and only afterwards go to the phone, that is when we get Hashem’s bracha! ~ Lubavitcher Rebbe zt”l