Allah (swt) told us in many verses about the material creation of human. Allah (swt) says:

 وَلَقَدْ خَلَقْنَا الْإِنسَانَ مِن سُلَالَةٍ مِّن طِينٍ % ثُمَّ جَعَلْنَاهُ نُطْفَةً فِي قَرَارٍ مَّكِينٍ % ثُمَّ خَلَقْنَا النُّطْفَةَ عَلَقَةً فَخَلَقْنَا الْعَلَقَةَ مُضْغَةً فَخَلَقْنَا الْمُضْغَةَ عِظَامًا فَكَسَوْنَا الْعِظَامَ لَحْمًا ثُمَّ أَنشَأْنَاهُ خَلْقًا آخَرَ ۚ فَتَبَارَكَ اللَّهُ أَحْسَنُ الْخَالِقِينَ

(And certainly did We create man from an extract of clay. % Then We placed him as a sperm-drop in a firm lodging. % Then We made the sperm-drop into a clinging clot, and We made the clot into a lump [of flesh], and We made [from] the lump, bones, and We covered the bones with flesh; then We developed him into another creation. So blessed is Allah, the best of creators.) (Al-Muminoon: 12-14)

Also says:

{ وَلَقَدْ خَلَقْنَا الْإِنسَانَ مِن صَلْصَالٍ مِّنْ حَمَإٍ مَّسْنُونٍ }

(And We did certainly create man out of clay from an altered black mud.) (Al-Hijr: 26)

And here in our verse, Allah (swt) talks about the nature of human’s mission on earth, as he endures the calamities and difficulties of life, so you find him always in hardship.

كَبَدٍ (hardship): The difficulties. As this worldly life is the home of difficulties, hard works and hardship while the Paradise is the home of rest and eternal pleasure.