Premanand Maharaj Ji
If jobs and money depend on destiny, should I stop working hard?
Prarabdh in money, effort in bhakti
In money, progress and gain, prarabdh (the fruit of past actions) works, and it will get actions done through you. Effort is needed for reaching God, so bhajan and giving up bad habits need your own push.
In money, progress and gain, prarabdh works. It will make you act accordingly. But in reaching God, prarabdh does not work; effort does.