here's a parable from the shaar bechina ch.3:
How analogous these types are to two brothers who inherited from their
father a piece of land that needed cultivation. They divided it
between themselves. Neither of them possessed anything else. One of
them was sensible and industrious; the other was the opposite.
The sensible brother realized that if he occupied himself solely with
his plot of land, this would prevent him from earning his livelihood
and attaining his immediate needs. So he hired himself out as a
day-laborer in a field belonging to another person and was thus able
to subsist on the wages he received. After he had finished his daily
task he worked an hour every evening in his own field industriously
and zealously. When he had saved enough out of his wages to keep him
for one or more days, he stopped working for others and labored on his
property with the utmost energy and zeal. In this course he persevered
until his plot was in a proper state of cultivation. When the harvest
time came he gathered the products of his field and orchard, stored
them and had sufficient produce to support himself for the next year.
Then he cultivated his land as he desired and planted more trees until
it not only produced enough for his maintenance, but yielded a surplus
with which he bought additional land.
The foolish brother, recognizing that working on his land alone would
prevent him from earning a living, neglected his property completely,
hired himself out to others as a field-laborer, spent the whole of the
wages he received and saved nothing. Whenever he had enough left of
his earnings to provide him with food for a single day, he turned it
into a day of rest, idleness and amusement, never giving a thought to
his property. The hours during which he was free on the days when he
worked, he spent in the bath. His land remained waste and yielded
nothing. It was all covered with thorns and thistles. Its fences were
broken. Its trees were swept away by a flood. It was in the condition
described by the wise man in the text (Mishlei 24:30-31) "I passed by
the field of the slothful and by the vineyard of the man void of
understanding and behold, it was all overgrown with thorns; nettles
had covered the face thereof, and the stone wall thereof was broken
down."
The intelligent reader who reflects intently upon this parable will
draw from it the lesson as to his final end, which is his true home,
and he will work on it with all his might. While for his earthly
needs, he will work as one does for others, in moderation and only
to the extent absolutely necessary. The fool, however, acts
oppositely in two ways. His interests here on earth he pursues with
zeal and diligence while for his welfare in the hereafter he utterly
ignores; even as the wise man said, when he observed the fool (Mishlei
24.32), "Then I saw and considered it well. I looked upon it and drew lessons".
Tov Halevanon commentary there:
"will draw from it the lesson as to his final end" - For his land
refers to his neshama (soul), which G-d gave to him "to work it and to
guard it" (Bereishis 2:15) in purity, to succeed in planting and
bearing fruit in the vineyard of G-d, until the time it is called
back. The intelligent man sees that if he spends all of his time
working only for his soul, he will not be able to earn a living to
provide for his body, and like our sages said: "all torah study
without working for a livelihood will in the end be neglected" (Avot
2:3). Therefore, he sees proper to hire himself out to some work, or
some business dealing with faith, in order to sustain himself. But
when he is free from this work, he returns diligently to torah study
and service of G-d until he reaches the level of Tzadik (righteous).
Then G-d will direct special attention on him to give him abundance
and to bless his handiwork