In the commentary of the Gra on Proverbs, it brings the idea that a person needs no effort at all -[perhaps even without Trust in God. This seems to be unclear/]. This is based on Rosh Hashana 26b. "The People in the study hall did not know the meaning of the verse 'Throw on the Lord your burden and he will support you.' They thought that one should trust in God and also do effort. However that did not fit the verse which should have said, 'your needs'. What is the 'burden' [in a language that means 'things that you ask for'. ] Then they saw the event with Raba Bar Bar Chana who was walking and carrying a burden. A merchant came by and said, 'Put your burden on my camel.' Then the people in the study hall said, 'We see that even for what a person has to pay for, if it is from Heaven, people will beg to do it for him.'" 

 

I do not know when one should trust, and when one should do effort. But in my own life, doing effort always backfires. So I try to trust in God for everything as much as I can.--That means, I try to minimize the efforts, and instead to trust that what is decreed for me, will come to me, whether I like it or not. 

However I should add that "kollel" is not the same thing as trust in God. Kollel is using Torah to make money. However you might find some permission for that. Okay. But that still does not mean it is trust in God. It is openly using Torah as a means to make money. Let us not mince words about it.