When I went to college I worked 30+/- hours a week and 50+ in the summer. Did I miss out on lots of parties and social events? Hell yes but I got out of college with ZERO debt. In fact, I got out with money in the bank, had four years of machine design/drafting under my belt, and was paid more than 20% above average for engineers because of my experience.
After college I was frugal. I didn't live up to my income. I worked 70+/- hours a week and bought my first house at 24 and started an independent company at 26 where I got to work 100+/- hours a week. I sold that company and started another one, etc.
Some people say I am lucky and I won't argue that. However, something I read and it has been my experience that the harder and more you work the luckier you are.
So all in all, the woman is dead ass spot on. I mean really what do these people think? Hey if I do not do anything, never put out more than the bare minimum of effort that I will be successful? Hey, if I never go workout I will be fit? It defies any and all logic.