Money comes to me effortlessly.

Money that arrives easily usually arrives through something built with difficulty, some time ago. The client who calls out of nowhere found you because of two years of work you'd stopped thinking about. The rent covered this month sits on a job somebody once had to interview for four times.

Effortless describes the arrival, not the construction.

If nothing is arriving easily right now, read that as information about the pipe rather than the person. Pipes can be laid. It's slow, unglamorous work that pays out later, usually once you've forgotten you did it.