Ecclesiastes 5:19 When God gives any man wealth and possessions, and enables him to enjoy them, to accept his lot and be happy in his work -- this is a gift of God.

Yes you attended classes to graduate with your degree. You worked really to purchase your house. You saved your money so that you could retire comfortably. Yes, you did all of these things, but it was because God planted His gift of favor in you to complete them. Remember, the gift isn't what you accomplished…The gift IS GOD in you.