God helps those who help themselves

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I have seen this quite often where people just sit around doing nothing and yes they do pray and say if God wishes it will happen without taking any initiative from their end. I for myself believe that God helps those who help themselves. U do your 50 and leave the rest to GOd. But u sit around and hope something happens, and even if God does try to help, its up to us to take that first step. i remember a short story thaught to us in sunday school. There was this man who sat idle whole day doing nothing and hoping God would do something for him. He missed many opportunities that came his way, which were again sent by God to him. Once there were floods in this village where he lived, and the people there were told to move to safer places, and everyone moved, except for this man who climbed his rooftop and sat there saying God would save him. Now a boat passed by with some villagers and they offered him help, he denied them saying God will save me, they left after lot of persuasion. Then another boat passed, he denied again. The last boat offers him help and he denies that too. In heaven he asks God why didn't u save me. God tells him, i came thrice but u denied me all the time.