Best Tool To Earn Money Is That :- Hard Work , Luck , Money itself

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Dear friends all people earn money ...to full fill there needs ,to full fill there dreams ....to help others . But whats the key factor ....that helps to earn huge money....please choose and give reason also y u think so .....is that Hard work ,Is that Luck ,Is that money itself ? In my opinion...its luck that plays major role to earn you good money ....because everyone works hard.......so it does not gurantee u good money and without taking big risk u cant make big money from existing one ....so thats not the best way I suppose .....but luck is something u can earn good money ...suppose u brought a lottery ticket and u became billionaire ....what was that....just luck....lol. Its ur turn.... Thanku Ganesh