You need enough of both. Few would suggest anyone having time, a place, necessities covered well enough, and few distractions is going to be ensured success.

You need enough of both. Few would suggest anyone having time, a place, necessities covered well enough, and few distractions is going to be ensured success. But with those things, someone who also has ideas, insights, a strong work ethic (or often much better, a strong natural enthusiasm for something useful) has much better chances.