Combine positive with negative for better personal development results. Failure is an event, not a person. Attitude manifests itself in your response to events. Every obstacle presents an opportunity if you're looking for it. Hard work makes luck.
Nothing affects positive circumstance and results more than hard work.
This is a question my dad once asked me as I lamented my problems. If money makes your problem go away, attitude makes them go away as well. It's not what you say, it's how you say it. The tone of your verbiage determines the atmosphere of your environment. Resign your position as general manager of the universe.