We are required to do hishtadlut. The decree might even be conditioned on it. Chazal say that one should save one third, invest one third in land and one third in a business (Baba Metzia 42a). One should also supervise one’s workers (ibid 29b). Both Rav Moshe (IM OC 2:111) and Rav Ovadia (Yehaveh Daat 3:85) advise buying life insurance.
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