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Thank you MDG that gemara just intensifies our dilemma. The gemara clearly states that both are needed, and engaging in business is not what will give parnassa.
However more powerful is when we look in the halacha which teaches us how to run our lives.
In Shulchan Aruch 1:5 where the mechaber teaches that it is good to say parshas haman each day the mishna brura rules “להורות שריבוי ההשתדלות לא יועיל מאומה’. כמו שבמן, ‘המרבה לא העדיף והממעיט לא החסיר’, וסוף דבר העלה כל אחד בידו ‘עומר לגולגולת’ כמו שנקצב לו מן השמים. “ומזה ילמד האדם שריבוי ההשתדלות לא יתן לו ולא יוסיף לא מאומה, ולא יתרבו מזונותיו עבור זה, ולאידך אף אם לא ירבה בהשתדלות ישלים לו הבורא מזונותיו כפי הנקצב לו”.
“To teach us that working hard does not help at all. Like by the maana ‘the one who gathered more did not recieve more and the one who gathered less did not recieve less’, at the end of the day everyone ended up with what was declared from heaven. From this each person should learn that working extra will not give him anything and will not add to his income. Even if we works harder Hashem will give him exactly what is meant for him.”
This is even more powerful when we see clear halachos which one is required to do daily according to all opinions and many people skip it because they are busy working. For example the requirement to say the parsha twice with targum or Rashi once. The requirement to “והגית בו יומם ולילה”. The requirement to say karbanos expect for unusual circumstances, etc. We can go on and list things that people are דש בעקבו in order to go work.
Not to get off topic, is there any source that shows an opinion other than the mishna brura quoted above?