True believer

Answer

If I sit back and wait for money to fall from heaven, that is not faith - that's lack of faith.

You are essentially saying that I have to choose - either I make a living for myself, or G-d does it for me. Both can't be true: if money falls from the sky, it is G-d; but if money is made from smart investments or hard work, G-d didn't do it, it was me. That isn't faith. You have limited G-d by relegating His powers to the supernatural. You don't believe that G-d can even be behind your decisions.

Judaism says otherwise. A true believer is one who works hard, but realises that the success or failure of their business is not in their hands, but in G-d's hands. Our efforts are the vessel, but it is G-d that fills the vessel with His blessing.

This philosophy is at once liberating and demanding. It frees us from worrying about the outcome - that is in G-d's hands. But it places the onus on us - we have to do the work so G-d can give us the blessing.

This is true not only in making a living, but in all areas of human endeavour. Whether we are seeking our soulmate, need a cure for an illness, or being attacked by an enemy, we don't wait for G-d to do a miracle. We get up and do what has to be done, all the while knowing that the success of our actions comes from above.

Ultimately, when we make the effort but give the credit to G-d, even we can bring about miracles.

All the best,