Discipline, hard work, prayer, timing, discernment, wise counsel, knowledge; a lot can go into personal success. It is easy to begin to think that success is a direct result of one's effort. There are times when we do play the 'name it - claim it' game; or the 'dream it - go for it' philosophy. And there are elements of truth within these frameworks but in the end of the day - who do you give the credit to?