For a large chunk of my life, I also had a lot of things manifest without earning them. The well has dried up in recent years and my theory is that I had a surplus of "earnings" from a previous life. Those earnings are now gone and it's time to apply what I'm reading here. Just a theory.
PS. Did a past life regression a while back and my previous life came to me as a soldier in either WW1 or WW2.