The Problems with your JobI can feel you rolling your eyes right now. As if you really need me pointing out everything that’s wrong with your job, huh?  I’m sure you’re more than capable of figuring out this one on your own.

Well, there are a lot of problems with the whole job concept in general: workplace politics, discrimination, sitting in traffic, high taxes, favoritism, lack of control, big egos… I could keep going.

Well, I’m of the opinion that the biggest travesty associated with jobs is that they commit the cardinal sin of directly linking time with earnings.  With a job, you’re trading hours for dollars.  It doesn’t matter if you make $6 an hour or $500,000 per year, you have to personally perform and consume hours of your day in order to get paid.  And therein lies the problem.

When time and earnings are inextricably linked, you’ve just placed a ceiling on your earning potential.  You can’t work more than 24 hours in a day, right?  Moreover, you’re depleting the one resource that you can’t buy any more of: your time.  The “dirt nap” is coming for all of us.  Time is an irreplaceable, precious commodity.  So doesn’t it just make sense to devote your time to activities other than the pursuit of money?

Money is just the means of financial exchange in a society.  That’s all it is. I agree that money is important, but should it really be at the top of anyone’s priority list? Does it truly deserve eight hours a day of your time?  Personally, I don’t think it does.

If you get the money thing decoupled from your time, suddenly you’ve tremendously freed up your schedule.  If you can get your money actually making you money instead of demanding hours of your day, now you’ve got a banquet of options on the table.  Learn to sever your calendar from your bank account.

This is why I love investing. It’s one of the rare pursuits that, when done correctly, actually allows you to decouple your time from your money.  There aren’t many activities out there that allow you to earn more and work less over time.  Investing presents that opportunity.  A short burst of strategic, focused effort has the potential to provide years of investment income.

Can you imagine an employer advertising that all new hires will work hard at the start (the actual hours to be dictated by the individual employee), but then as time passes, your hours will decrease dramatically, you can work from home, you can never get fired, your salary will actually increase, and eventually you have the choice of parting ways with the company and you’ll still continue to receive your paycheck?  Anyone interested?

This is why employment will never even come close to the benefits you receive from being an investor.  As an investor, you’ve got control, freedom, tax breaks, and a litany of other perks that come with knowing how to properly get your money working for you.


Furthermore, jobs provide absolutely no income diversification. You’ve got a single point of failure in the system, which is extremely risky. The most dangerous number in the world of business is “one”.  One customer, one account, one supplier, etc.  Well, with a job, you’ve got one source of income.  This is yet another reason why it’s prudent to begin investing – immediate income diversification.  As an investor, you’ve now got a secondary source of income that you own and control.

My recommendation?  Start seeking investment income, not just working income. Start digging that aqueduct before you’re thirsty.  Stuff happens.  Companies downsize, new technology disrupts old standards, and businesses get sold.  Be prepared so you’ll only know good times when the tough times inevitably hit.

To wrap up this entry, I would encourage you to begin decoupling your time from your money.  Your schedule and your checkbook have no business hanging out together. While jobs do serve a place in civilized society, let’s not be so utopian that we dismiss the fact that they only yield income by consuming time.

Moreover, they’re a single point of failure in your financial system and they offer you very little control.  No control AND no diversification?  There’s tremendous risk in an arrangement like that – and that risk need to be addressed.

If you’re currently employed, good for you. But how about taking your personal economy to the next level by developing a secondary source of income through proper investing?

Those are my thoughts. Feel free to share some of yours below. Thanks for reading and as always, make it a great day.

Gerald Larue thumbnail pictureThis post is by Gerald Larue, the founder of DEMOS Financial, an investment training, education, and financial research company. DEMOS Financial is a California limited liability company that specializes in helping novice and intermediate investors with strategies, approaches, and techniques for generating investment income and putting their money to work for them. The Pay Me Plan home study course was created and produced by DEMOS Financial.

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