You need both.

May I ask what have you done, or is your current job?

Working for even a single penny takes a lot of hard work, I am sure you know that by now.

Having a good idea doesn't mean you can sit back and make loads of money, it only makes those 18 - 20 hour days more enjoyable since you are working for your own good idea.

All it takes is a good idea (or in most cases an okay idea, or an idea a bit better than the previous idea) and the dedication to do better than anyone else.