EinOdMilvado,
tvt is correct that making a living while at the same time being mekadesh shem shomayim can be a ticket to olam haboh.
we do not believe as some other religions do that being involved in olam hazeh and investing in olam haboh are a contradiction. Olam Haboh can be earned by doing business honestly, making a kiddush hashem etc. as well as of course by sitting and shteiging in the bais medrash. Ask your rov/rosh yeshiva how much time you should be spending on each, but don’t view them as a stirah.
I saw in one of the mussar seforim (I’m pretty sure it was the Alter fun Kelm) that asks how it could be that Hashem made the world in such a way that most people must spend most of their time making a living and not sitting and learning if the purpose of the world is to earn olam haboh.
His answer, if I remember accurately, was that if we spend our day doing our best to earn a living and at the end of the day we still remember, and really believe, that our parnassa comes from shomayim and not from our work – despite the fact that our activities of the day contradict that belief – then that emunah is itself a key to olam haboh.
I am not saying chas vshalom that kollel is not good. I am saying that if a person is advised by his rebbe to go out and make a living he should not feel that he is giving up his ruchniyus.