How to Get Rich While Working at a Job

June 2, 2022

It's a common saying that getting rich with a regular job is impossible. While this assertion may hold water in some cases, it doesn't work in some. A study by Rich Habits showed that 39% of self-made millionaires made their fortune by working for a company or organization. However, in the wake of recent societal deviations, the disenchantment with traditional work grows.

Backing this misconception is a tendentious assumption that all self-made millionaires are entrepreneurs, working round the clock to ensure their startups rake in the high numbers at the end of each fiscal year. Unfortunately, it isn't so.

Though we can't deny that the majority of the people from rich backgrounds are entrepreneurs, we can't also fail to recognize those who don’t follow the status quo. This article seeks to dispel the myths surrounding the possibility of amassing riches while being an employee. Enjoy the read!

The False Truth of Entrepreneurship

The first thought that comes to mind when you see a rich person isn’t going to be that they're a senior partner at an engineering firm or a plastic surgeon working at the hospital nearby. Instead, you automatically assume the only way to be as financially free and buoyant as the person is to own a business.

However, statistics tell us an entirely different story, as the average entrepreneur makes just about $68,000 in yearly income. On the other hand, top employers in successful companies earn an average of $160,000 per year, according to a Rich Habits study.

Everyone sees working at a job as miserable, tiring, and boring – indeed, no one will enjoy that, you opine. While this may true, there are different ways to make good money while being an employee. One of the popular ways is through real estate investing. Though many believe that it's hard to invest in real estate, especially since it requires capital and industry knowledge, it's pretty straightforward.

How to Start Investing in Real Estate

As an employee, your salary and the tips you receive at work are your only source of income. If you rely solely on that, you might remain in the rat race until you retire. However, investing in real estate allows you to enjoy passive income while continuing your regular job. It's an investment strategy that's both rewarding and enjoyable.

As a real estate investor, you can use leverage to purchase a property. The above is done by depositing a portion of the property's cost upfront and paying the rest over time with interest. Starting your journey in real estate will not be easy, especially since it requires enough capital. However, that shouldn't bother you. You can raise money through mortgage loans or private lenders.

Below are some lending options available for real estate investors:

Direct Lenders

These entities include banks, credit unions, and other known organizations that provide mortgage loans for qualified borrowers. There are hundreds of such institutions across the USA, and more than 80% of real estate investors seek their services.

However, there's a catch to getting mortgage loans – not all plans are desirable, and you will need to find the best one. Direct lenders are also selective of who they render their services to; thus, they require loan seekers to have good credit scores and steady income before receiving any loan.

Private Lenders

Private lenders are individuals who lend their money to investors or property buyers to receive interest at specific periods. Their lending method is quite similar to regular mortgage lenders; however, mortgage lenders have more regulations than private lenders.

The above means that you don’t have to pass through the administrative bottlenecks that mortgage loans require; hence, there's more flexibility.

Other Ways to Earn Passive Income

If you aren't fond of real estate and you'd instead explore other forms of passive income until you make it to the top or at least stop asking the “will I be rich” question, here are some things to do to earn big bucks as an employee:


Probably the most popular means of earning passive income, blogging is an excellent option for employees who have great writing skills and are eager to share their thoughts. You can start any blog depending on what you're good at or passionate about. It could be a fashion blog, a travel blog, a personal lifestyle blog, or even a storytime blog.

Though it can take a while to build a reputable, income-generating blog, it's rewarding in the long run, especially if you're consistent with dropping content. When your blog gains a good audience, a few posts a week will be enough to get you a steady passive income.

Affiliate Marketing

If you have a large social media following or run a successful blog, you'll enjoy affiliate marketing. Thanks to affiliate marketing, you can receive commissions for promoting a third party's product on your site or social media handle. Amazon, Shopify, and eBay are among the many companies that offer this service to individuals.

With this form of passive income, you can earn up to 7% of the price of every item bought through your affiliate link. Many people opine that affiliate marketing puts the “passive” in “passive income” as it requires nothing from you other than attaching the affiliate link to your platform. Consider trying out this option to attain a rich background.

Investing in Stocks

A publicly listed company facilitates the purchase and trade of company stocks by members of the public. As a shareholder of such corporations, you'll receive payments at stipulated intervals. Taking a cue from some of the world's wealthiest people who actively engage in stock trading, it's safe to say it's one of the surest ways to earn passive income.

Though it's enriching, it requires extensive research and knowledge of market operations. If you have a rich finance background or do well at market forecasting, investing in stocks will be perfect for you.

Other ways to earn passive income include starting a small reseller store, making YouTube videos, selling photography online, and creating a podcast (you may even title your first podcast "Rich People Vs. Really Rich People – A Look Into the Life of America’s Bourgeois”).


That's a wrap! If you've been wondering how to get rich with a normal job, you have your answer. There's no rule anywhere that limits riches to entrepreneurs – employees can also be wealthy. However, only a few people are willing to do what it takes to earn plenty while working for people. You can check this DSCR mortgage to raise enough capital to fund your real estate dreams if that is you. Good luck!



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