The sooner one realizes that working hard isn't the key to life the sooner one realizes you'll have plenty more time. If you get something out of working hard, like joy, sure go ahead. But dont lie to yourself and think that working hard will actually ever pay off.
I do not earn enough to ever afford a house without going into debt for the rest of my life. As long as I can afford a cheap place, one new book a month and a hot shower in the morning I am content with never owning anything. As thats the world all the "hard working" people shoved us into.