H'shem will decide how and when our income will come as he decided the best plan for our lives since birth.
pg 417

Nefesh Hachaim
There is a tremendous pain felt in the heavens when we sin. H'shem being our twin also feels the pain of our suffering when he cleanses us from our sins with Yesurim. That pain is less compared to the first since it is the cure even though it hurts. Therefore if one does Teshuvah and prays for the pain he caused to the Shechina and the Heavens through his sin, his suffering is then lifted and he is rewarded twice to compensate for the pain of the sin and punishment. His regret and Teshuvah for the pain he caused by his "willful sin" turns them into merits.
Gate Two Chapter 12 pg 92/93
pg 417

Nefesh Hachaim
There is a tremendous pain felt in the heavens when we sin. H'shem being our twin also feels the pain of our suffering when he cleanses us from our sins with Yesurim. That pain is less compared to the first since it is the cure even though it hurts. Therefore if one does Teshuvah and prays for the pain he caused to the Shechina and the Heavens through his sin, his suffering is then lifted and he is rewarded twice to compensate for the pain of the sin and punishment. His regret and Teshuvah for the pain he caused by his "willful sin" turns them into merits.
Gate Two Chapter 12 pg 92/93