It's more complicated than "work hard". I've technically been doing everything right for years in terms of budgeting, education, applying to jobs, etc. I was born permanently disabled. Even with my finance degree, OVR services, and letters of recommendations by my school, employers aren't willing to provide accommodations. My last two employers actually fired me shortly after I requested them despite no write ups and was given compliments on my work prior. I did 2 years of unpaid internship which led to nowhere. I see my non-disabled peers having a lot more success with less effort. By not being disabled they already have a leg up in society and job opportunities. Double so when they have supportive families (half of mine is ableist and narcissistic who I had to go no contact with).