From personal experience (a womans point of view), i see a tremendous difference in those that sit in kollel all day and those that work all day and learn the daf a day.
Again this is my own personal view of the people i know, love, and care for (brothers, brothers in law, husband, father, father in law, grandfathers, and a couple of neighbors and friends)
I noticed that the men who learn the daf and cant learn all day because they’re busy making a parnassah for their family, they learn with a greater geshmake than those learning in kollel.
I am in no way putting down those in kollel! They learn with a tremendous geshamke, but the working men who wish they could learn but cant, really appreciate the time they have in the beis medrash.
Again, I am not bashing men in kollel!