Bageshwar Dham Sarkar
If God does everything, why work hard? Does effort or grace decide success?
Karma needs grace to bear fruit
Karma comes first and fortune follows, as your deeds shape your fortune. Yet karma needs grace to bear fruit.
Do karma, but if along with your karma you do not have the grace of a siddha (accomplished saint) or of the Paramatma, the karma will not bear fruit.