The amount of time put into work is not commensurate to the return unless an equal amount of thought goes into converting the work into money. Mere work will remain work and earn wages, the most uncreative form of making money, but if one puts thought into converting work into money and multiplying it, then money starts gathering an energy, of creation. Money is a product of creativity, which in itself is a product of courage.
So the hard worker works for wages, with no thought. The smart worker works to maximise return on the work put in, often by expanding resources. It is the application of creative thought that is all the difference.