Navardok, the Chazon Ish and the very first Musar book the Obligations of the Heart and the Gra [the Gaon of Vilna] all deal with this question. But what is the conclusion?
At least we get some clarity when at least we define things as a מחלוקת ראשונים [an argument between the medieval authorities]. When at least you have come to that point where you can say "it is an argument among first authorities" you have reached a conclusion.[Because after that no matter how many argument you will bring to one side, teh fact remains that the other side is also valid and that you simply have not thought of the arguments on that side --yet.\
So the issue of trust with effort or without effort [בטחון עם השתדלות או ביטחון בלי השתדלות] is simple and clear. It is an argument among rishonim [first authorities].
But that still leaves the question what it actually is? Is it that you will get your needs? That does not seem to always be the case. but you can answer that most people that do not get their needs met simply do not have trust. Or enough trust.
However to me it seems that the basic idea is that one thinks and feels that God will make things work out in the way that is right in his eyes.
In particular that is the way it looks like the Chazon Ish explains the issue.
This all may sound all just in the air, but when I was at the Mir in NY, the basic approach of trust in God was very practical. People simply learned Torah and hoped and expected that God would take care of everything else. So they were not learning Torah for the sake making money. Rather they were learning for its own sake. And so if in fact at one point they needed to go out to find some "making a living" activity, that was thought to not be a contradiction to teh idea of trust. It was simply trust with effort. However using Torah as a means to make money was definitely looked down upon. [It was almost thought of as a kind of defilement]. No one in that category had teh slightest respect from anyone.
At least we get some clarity when at least we define things as a מחלוקת ראשונים [an argument between the medieval authorities]. When at least you have come to that point where you can say "it is an argument among first authorities" you have reached a conclusion.[Because after that no matter how many argument you will bring to one side, teh fact remains that the other side is also valid and that you simply have not thought of the arguments on that side --yet.\
So the issue of trust with effort or without effort [בטחון עם השתדלות או ביטחון בלי השתדלות] is simple and clear. It is an argument among rishonim [first authorities].
But that still leaves the question what it actually is? Is it that you will get your needs? That does not seem to always be the case. but you can answer that most people that do not get their needs met simply do not have trust. Or enough trust.
However to me it seems that the basic idea is that one thinks and feels that God will make things work out in the way that is right in his eyes.
In particular that is the way it looks like the Chazon Ish explains the issue.
This all may sound all just in the air, but when I was at the Mir in NY, the basic approach of trust in God was very practical. People simply learned Torah and hoped and expected that God would take care of everything else. So they were not learning Torah for the sake making money. Rather they were learning for its own sake. And so if in fact at one point they needed to go out to find some "making a living" activity, that was thought to not be a contradiction to teh idea of trust. It was simply trust with effort. However using Torah as a means to make money was definitely looked down upon. [It was almost thought of as a kind of defilement]. No one in that category had teh slightest respect from anyone.