(Hard work is only half the story.Flickr / aisletwentytwo) In school, we learn that hard work will get us ahead in life. Work hard, earn more, get rich. But, "that's only half the story," says Ric Edelman, founder and executive chairman of Edelman Financial Services, one of the nation's leading financial advising firms, and author of the new book "The Truth About Your Future: The Money Guide You Need Now, Later, and Much Later." In fact, Edelman told Business Insider in a r