Sitting and learning all day is the ideal. “Talmud Torah kneged kulam.” Chazal say, one word of Torah is higher than an entire lifetime of doing these Mitzvos. Chazal often mention that Toroso Umnoso is the ideal, that we do nothing all day but learn. Nowadays poskim say that w cannot reach that level, but clearly the closer the better. Also, Shulchan Aruch Hilchos Toalmud Torah, in the Shach ad loc, says that nowadays learning all day is the ideal, and that if someone has the ability to do it, he should. The Shach adds that regarding learning all day in general, nowadays we cannot reach our potential in learning the way the Rambam etc. did, since we are not on that level. Therefore, we should learn all day if we can.
The Rambam writes that a “working person” is someone who learns 8 hours a day and works 3. Not works 9am to 5pm.
The Rambam praises those who learn all day and don’t have jobs, as the elite “Shevet Levi” of our days. Clearly, even if working is endorsed, it is inferior to those who learn.
The Rama then says it is a Midas Chasidus – praiseworthy – for someone who can become a Gadol B’Torah and make an independent living, but continues that not everyone is capable of this. It is clear that he is saying that if you have a choice between becoming a Godol B’Torah or making a living, becoming a Godol B’Torah comes first.
The Shach on the spot points out that the Halacha always follows the Minhag and the Minhag is like those opinions that one may depend on the community to support him in order to learn. He says that this is because of the Halachah of Ais La’Asos, meaning, even if it is theoretically prohibited to rely on the community, but because nowadays we cannot do both, become great in Torah and make independent livings, the right thing to do is to learn Torah and be supported.
He continues by saying that if someone spreads Torah and spends all his time learning and teaching, even if he has a skill with which to make a living, it would be wrong of him not to allow the community to support him, since this way he would be able to spend his time learning and teaching, rather than working.
See, its very nice to make an independent living, but it is more important to become a Godol B’Torah. If you cant have both, then Torah is the right choice. Whatever advantages there is in making money, they do not come close to those of becoming a great Torah scholar.