They either win big or they loose big. Don't listen to cynicism from yourself or others. Especially don't take advice from someone who hasn't done what you want to do. Many people give advice on things they know nothing about. Don't let this influence you.
People can be lazy in a number of ways.
Some people keep themselves busy doing everything but the one thing they need to do. A good way to overcome this is to enlist the emotion of greed. Think about all the things you can have and do once you've achieved your financial goals. Create good habits especially in the area of money. Some thing that is strong and will drive you to success.