This is very simple logic. Everybody does not want to be poor, so he will definitely try all means and spare no efforts to become rich. If motivation or efforts could really change your destiny, there would be no poor people.
So, to get rid of poorceldom, only motivation or efforts are definitely far from being enough.
You really need to play with your luck. I am not encouraging you to be a gambler, but if you can afford for investing, you have to invest and if you are lucky enough, you can get rid of poorceldom and even rich!