From Ohr Avigdor Shaar Bitachon by Rabbi Avigdor Miller
Now we have a little bit of a picture what Chovos Halevavos is talking about: Suppose a person says, “I’m willing to do it, but I can’t clear my mind, I can’t make my mind free to think about these things. I’m so intent on preparing for my future, I have to prepare a house, I have to get married, I have to raise children, I have to marry off my daughter. I need money for everything.”
So Hashem says, “Who’s stopping you? But right now be active in avodas (service of) Hashem the way I told you. If you won’t do that and you merely tell Me that you’ll do it someday, you are taking a pledge from Hashem, despite everything He has already done for you.”
Hashem has no objection to you becoming a Rothschild
This is a very important point. You won’t understand Chovos Halevavos without this explanation: He has no objection to you becoming a Rothschild, building a big banking house, or setting up an international business, as long as at the same time you’re sitting in your office and you’re thanking Hashem.
When a check comes in for fifty thousand dollars from one customer you say, “I thank You, Hashem! He paid me.” And you’re so grateful to Hashem. When you go to the bathroom, he accompanies you there. When you come out of the bathroom, say “Baruch Hashem, the body that You gave me functioned well!”
So all day long Rothschild is busy thanking Hashem. When he eats lunch, he thanks Hashem for the opportunity to say a blessing of "Hamotzi lechem min haaretz — Who brings forth bread from the earth" and what a wonderful thing it is to have an additional mitzvah of al netilas yadayim, regarding washing the hands. You should be thinking of Hashem with gratitude and appreciation all day long every day. When a person lives this way, Hashem has no objection if he is amassing a fortune at the same time. This is an important point.