We work harder. With whatever time you have, invest it in something you are passionate about. If you don't know what it is you're passionate about, try new things; ask yourself what you would like to change? What could you do that will disturb the way things are currently done. Become an expert in whatever you're passionate about. If you can't sleep because you're thinking about your passion, you have to go after that. You are much more than a mind numbing 9-5. Not to say all 9-5's are bad but if you feel that it is not fulfilling find something that is. If you're willing to invest time and effort into your passion, it will create value for you. Value that exceeds the fulfillment of just financial pay. Your time is worth much more than being a worker bee, making someone else's dream happen. Find what you love and go after it full force.
Best to you all :)