How to Get Rich with a Normal Job

how to get rich with a normal job

It may seem that the only way to get rich in today’s world is to have a really high paying job like being a doctor or attorney or even an engineer. That’s not always the case. When it comes to how to get rich with a normal job, all you need to do is follow a few simple steps.

how to get rich with a normal job

(You can read how I got myself drowning in debt here and how I got out of it here and here.)

What is a Normal Job?

Before we talk about how to get rich with a normal job, let’s figure out what we mean by the idea of a normal job.

This type of job is something that you can do with or without a college degree. You might be making $20,000 a year or you might be making $40,000 a year. 

According to current statistics, the average salary in the United States for a 40-hour workweek is $48,672 which is up 4% from last year.

So, when you are talking about a normal job you would be making anywhere from $20,000 to $50,000 a year.

Of course, the closer you are to $40,000 or $50,000 a year the faster you will be able to get rich, but it is possible to even with a lower salary.

There are a number of steps you can follow to save lots of money and become rich. These include the following:

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Building Wealth When Working at a Normal Job  

Don’t Live Up to Your Current Salary

While it may seem impossible to not spend all of your salary, you can do it.

Find ways to save small amounts.

That could be $5 on a cup of coffee or taking your lunch to work instead of grabbing fast food. 

While they might not seem like a lot at the time, these small amounts add up over the months and years. 

If you can even knock off $50 a month in savings, you will be shocked at how much that tiny amount will add up to over the years if you invest it wisely.

Start Investing Your Money Today
how to get rich with a normal job

On that note, you should start investing immediately. There are plenty of apps out there that will transfer your change to an actual stocks and bonds portfolio account without big minimums and huge investment fees.

One example is Acorns. This app does a lot of different things for you including setting up brokerage accounts and automatically sending your spare change to them.

You can also do one-time investments and lump sum payments on a weekly or monthly basis.

I use it and even with just adding a few dollars a week, I am projected to have around $200,000 at some point in the future. 

If I add more money – even just a small amount – that number goes up significantly over time.

How to Get Rich with a Normal Job – Earn More Money with Side Businesses

Starting a business, whether that’s selling items on eBay or Etsy or starting a lawn care business or any endeavor in between, that extra money can be directly invested into your growing portfolio. 

Compound interest is your friend. The more money – regardless of how large or how small – you can invest in some sort of investment, the faster your earnings will grow, and the sooner you will find that you have become rich.

Spend Your Income Where it Does You the Most Good

Everyone wants a new car or the latest iPhone as soon as it hits the market, but what if you don’t buy the next tech gadget or latest car model?

Instead, what if you consider investing in real estate?

If you invest in a product, such as real estate that will grow in value, instead of something such as a new car that will decrease in value, you will find that you will increase your net worth over time and your assets as well.

You will have more personal wealth by owning real estate than just about any other investment you can think of.

The great thing about real estate is you can borrow against it and leverage it into other investment opportunities down the road.

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How to Get Rich with a Normal Job – Pay Off Your Debt

Whether it’s credit card debt, student loans, car loans, or even a mortgage, do what you can to pay off this debt as quickly as possible. 

As long as you are in debt, you will never build your net worth or become rich. This is especially true if your income is on the lower end of the scale. 

Saving money takes time and energy, but once you are debt-free, your living expenses will be a much smaller percentage of your total income. 

It is then that you can start throwing larger amounts at your investments and the stock market and grow your net worth much faster.

It may take a side hustle added to your day job to get your debts paid off, but the short-term sacrifices will be more than worth it in the long run.

You might also enjoy:

How to Save Money With a $20,000 Salary

How to Afford a $10 Million Dollar House

Chuck Your Horrible Habits and Save $72K

How I Paid Off $7,000 in Credit Card Debt in Just a Few Months

How to Afford a Luxury Apartment

How to Get Rich with a Normal Job – Automate Everything

I’ve already mentioned that using an app to automatically send your change and other small amounts to an investment account is a great way to start.

But you need to do more.

If your employer offers a 401K or other investment options, sign up for them and have them automatically deducted from your gross pay. That way you will never see the money and you won’t miss it.

You should also have any bonuses or raises you receive automatically directed to a savings account or investment account. 

It is true what they say – out of sight out of mind.

The truth is you will never get rich overnight when working a normal job, but with some real effort and time, you will find that those pennies and nickels can and will add up to thousands and hundreds of thousands of dollars without too much effort on your part.


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