1.

Start Saving 20% of Your Income

2. Create a 3 to 6 Month Rainy Day Fund

3. Pay Off Your High Interest Debts

4. Minimize Wasteful Spending

5. Invest Your Money Aggressively, But Wisely

STOCKS

Investing in stocks is like purchasing a small portion of a company. The company uses your money to
keep the business running and continue growing. Ultimately, stocks can make you money by both
appreciating in value and/or paying you out a monthly or quarterly dividend.

REAL ESTATE or REITS

Getting rich or becoming wealthy is a desire that many people secretly harbor. It doesn’t matter if you
have a normal job, no job, or run your own business, everybody wants to know how to get richer.
Unfortunately for many, this desire is just a lofty dream, especially for those who have a normal job. But,
it doesn’t have to just be a dream. Becoming wealthy is a practical goal worthy of pursuit. And despite
what cynics and the people who have a penchant for excuses say, it is achievable for everyone. So, if you
truly want to know how to get rich with a normal job keep reading, because we’ll show you how in this
post.

“Wealth Is Largely The Result Of Habit.”

– JACOB ASTOR –

The truth is, everyone and anyone can get rich. Yes, most millionaires are made from being the owner of
their own business, but, that doesn’t mean you can’t become a millionaire too. There are plenty of
people all over the world who have amassed serious levels of wealth with just a normal job.

It doesn’t matter if you’re a janitor, a hairstylist, teacher, or a fire fighter, it can and has been done.
But, it doesn’t happen over night and it doesn’t happen by accident. Becoming rich requires a plan that
needs to be followed. Fortunately, the plan is an extremely simple 5 step plan than works for anyone
who implements it. But the key is disciplined implementation. So, if you’re ready to learn about this very
simple plan that if followed, will help you get rich with your normal job, let’s dive in to the juicy details:

HOW TO GET RICH WITH A NORMAL JOB

Getting Rich With a Normal Job

1. Start Saving 20% of Your Income

First things first, you have to start saving your money. You can’t get rich if you don’t build the habit of
putting your money away. Ben Franklin once stated, “Get what you can, and what you get hold, Tis the
stone that will turn all your lead into gold.” Andrew Carnegie also said “The fastest way to double your
money is to fold them in half and put them in your pocket.”

So, it’s never a bad idea to follow the advice of America’s first millionaire, and one of its all-time richest.
That said, find a way to scrape at least 20% of the monthly income you earn from your normal job, and
start stashing it away, stacking it, or whatever you want to call it. Start saving your money!

how can a normal person become rich

If 20% seems like an unreasonable amount to you, just keep this fact in mind, millionaires on average,
invest 20% of their net pay each month.[1]

2. Create a 3 to 6 Month Rainy Day Fund

The foundation of your fortune needs to be built on a rock, not sand. So, before you begin throwing your
hard earned money into assets that have double digit growth potential, you’ll want to make sure you
create a financial safety net for yourself.

This three to six month fund is important to have in the event you lose your job, or suffer some type of
financial set back like a car accident, unexpected medical bills, etc..

It’s key that if an emergency occurs, that you pull money from your emergency fund, vs. your
investments, because investments tend to be more volatile. And if you pull your money for emergencies
from investments at the wrong time, you could end up losing lots of money.

On top of this, it is important to never get in the habit of pulling money from your investments. Because
once you do, it’ll be hard to stop. At which point, you’ll have created the habit of diminishing your
wealth, not growing it.

So build your emergency fund as soon as possible. Then, move on to the next step.

3. Pay Off Your High Interest Debts

Mark Cuban once stated, “If you use a credit card, you don’t want to be rich. The first step to getting rich
requires discipline. If you really want to be rich, you need to find the discipline.”

That said, after you create a little security blanket for yourself you’ll be eager to dive into investing. But,
you’ll want to show a little more restraint and practice a little discipline by moving on to paying down
your high interest debt first.

The reason to pay this debt off first, is because more often than not, your high interest debts can trap
you in a form of a vicious cycle. Meaning, you’ll pay your creditors money, but you’ll make very little to
no progress paying down the principle.

Pay Down Debt to Get Rich

Creditors love it when you pay on a regular schedule and especially at just the minimum payment,
because it makes them richer and slowly impoverishes you. So if the interest rate on your debt is near
the average assessed interest rate on credit cards, which is 16.45%, you may want to pay that debt down
A.S.A.P.[2]

Why? Because there are very few safe investments that will safely earn you over a 16.45% return a year.
Thus, your money will be better used paying down debt that drains your wealth vs. grows it.

Sure, some debt you’ll want to keep and pay down on a regular schedule, (like your car or mortgage) but
if the interest is higher on those debts than what you can safely earn in the markets or on investments,
then you may want to consider crushing that high interest debt first.

4. Minimize Wasteful Spending

This next step is the hardest for most people. In fact, it’s what leads most people to accrue what they
just paid down in step three, debt. Everyone wants to enjoy the fruits of their labor, and the easiest way
for people to enjoy the money they make is to spend it.

Splurging can be fun, give us a little endorphin rush, and make us feel like we are “rich”, or that we’ve
“made it” because of the material possessions that we now possess. But, this is the area that you’ll have
to master if you want to become rich with the income from your day job.

So, get disciplined with your money. Create a budget if you have to, where you only allot yourself so
much money to spend every month so you don’t go overboard. Do this, and you’ll be able to not only
invest 20% of your income, but likely much more.

Which leads us to the next and most important step for getting rich.

5. Invest Your Money Aggressively, But Wisely

The fastest way to get rich with your normal job is to invest your money aggressively, but wisely. Once
you’ve created for yourself a nice financial security fund, have paid down your high interest debts, and
reigned in your excessive spending, the world is yours for the taking.

This is the point where you really start to accelerate the growth of your wealth. Every dollar you invest
(so long as you invest it wisely) will become a hard working helper for you to create even more money.

A good way to think of every dollar you invest, is to think of it as an investment into a little money miner.
And each one of these little green money miners diligently works for you day and night, even while you
sleep to make you more and more money. And money that makes money, that makes even more money,
is known as compound interest.
The concept is so important that Albert Einstein once quipped, “Compound interest is the eighth wonder
of the world. He who understands it, earns it; he who doesn’t, pays it.”

So, to take full advantage of compound interest, you’ll want to invest as much as you can as often as you
can.

Get Rich With a Normal Job By Investing

Get Rich Investing In These

If you’re not sure where to start investing once you’ve taken care of all the other steps, here are some
popular investment vehicles for you to consider. Keep in mind, each of these investment vehicles come
where their own strengths, weaknesses, and varying risk thresholds. So, the amount you invest in each
will be solely up to you, your financial situation, and your personal risk tolerances.

STOCKS

Investing in stocks is like purchasing a small portion of a company. The company uses your money to
keep the business running and continue growing. Ultimately, stocks can make you money by both
appreciating in value and/or paying you out a monthly or quarterly dividend.

REAL ESTATE or REITS

Real Estate is another great investment. You can purchase it out right, or invest in a fund that invests in
real estate for you, a.k.a. a REIT (Real Estate Investment Trust).

Real Estate can make you money if you rent out the property to a tenant, and that tenant pays you
above the cost to pay the mortgage on the property and maintain the asset. Real Estate can also make
you money when it appreciates in value.

The same principal applies to REITS, but you are essentially pooling your money, and allowing a manager
to do all the dirty work. Of course, these takes control out of your hands as well, and can impact how
much you make from your real estate in the long run.
BONDS

Bonds are issued by governments and corporations when they are looking to raise money. And when you
invest in a bond, you are essentially giving the issuer a loan which they are obligated to pay back. Bonds
do often pay small interest payments as well, but they’ve been know to be lower than other investment
vehicles lie stocks and real estate, but also less volatile.

CRYPTO

Crypto currencies are a more recent investment phenomenon. Some investment experts loathe them,
while others love them. In the most simplest terms, they are essentially a digital or virtual currency that
uses cryptography to secure them. This cryptography is then suppose to safeguard the digital currency
from counterfeiting or double-spend.

As such, many investors buy cryptos to safeguard their wealth from devaluation, unfair meddling by
rogue governments, and theft by crooks.

GOLD + SILVER

Gold and silver are typically invested in to mitigate the inherent risk of a portfolio. They are used by most
investors as stores of value, which means they are invested in to ensure one’s wealth doesn’t depreciate
over time.

There's no shortage of money management apps that make budgeting easy and intuitive,

Grow Your Income, Not Your Lifestyle

The difference between careers in people who make millions and people who make billions, is the self-
employed career of ownership.