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Hard work is honored everywhere. Across nations, cultures, and generations, we admire those who rise early, stay late, and push through fatigue with pure determination. Many of us come from families who sacrificed endlessly—hands worn, dreams stretched thin—just to create opportunity for the next step. But there’s a question that echoes quietly in many households: If effort is everything, why isn’t wealth a guaranteed outcome? Why does financial freedom still feel like a secr