How To Get Rich With A Normal Job

Most people spend their entire adult lives working and barely have enough for retirement. A financial strategy for saving, investing, and growing your wealth should be a top priority.

If you want to learn how to get rich with a normal job this article will provide some insights.

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We know how difficult it can be to work from paycheck to paycheck. It can feel like you’re spending more than you’re earning, so we’ve compiled this helpful guide to help you.

It can be easy to believe that you just need to make suitable investments, but that’s not the case for everyone. 

In this article, we’ll be helping you find out how you can get rich even with your income from a normal job. Essentially, it all comes down to discipline and thinking of what you need money for.

You’ll need to consider how you view money and use it sensibly. So, you’ll want to pay your debts, stick to a budget, save your money steadily, and eventually start investing.

Getting rich isn’t about doing so quickly, but doing so in a way that works. Let’s go into some more detail about how you can get rich, even with a normal salary. 

How Can You Get Rich With A Normal Job?

We’re not here to tell you that this is going to be easy. After all, “Rome wasn’t built in a day” also applies to anyone who wants to build wealth.

Getting rich with a normal job isn’t impossible, but it is more about self-discipline than anything else. 

Most people who are earning more money are doing so because they’re sensible with their investments. But that doesn’t mean that you can’t do the same. That’s why we’ve compiled these ways to help you.

You don’t have to do these in a particular order, but consider how these scenarios affect the way you’re spending. Choose the section that’s of the most interest to you and go from there.

Hopefully, with this guide’s help, you’ll better understand how you can get rich, even with a normal job.

Pay Off Your Debts

Ultimately, you can pay off your debts while you save, but your first goal should be to pay off your debts. Especially any with high interest. After all, say that you have a credit card.

A credit card won’t make you rich unless you have discipline. Before you start investing in anything, you’ll want to remove the debt from your arrangement. So, one way to do this is by showing more self-restraint.

If you ignore your debts and save them for last, you’ll find yourself in a vicious cycle of borrowing and returning. While you might be able to pay off your creditors, you won’t be able actually to save this money for yourself.

That’s why it’s important you don’t get a credit card and use it at every opportunity. Instead, you should focus on paying these off before you get trapped paying them off. 

Ideally, you don’t have to do this step first. However, it’s a good first goal to aspire to. While you might want to focus on savings first, you’ll need to pay off these first. After all, we all know how you can get trapped in debt.

Usually, it’s because you’ve fallen on hard times and want to improve your credit rating. But we get how easy it is to get lost in spending money you don’t have.

But that doesn’t mean you have to. Instead of using your credit card whenever you can, consider making a budget so that you only use it when you really need to. 

Stick To A Budget

One of the best ways to save your hard-earned cash is by sticking to a budget. Think of it as though you’re taking stock of your inventory. Keep an eye on your bills, then set a budget based on the items you need.

These days, you can keep an eye on your budget easily with the help of different apps. However, you can arrange your budget the old-fashioned way with a spreadsheet or by keeping your accounts on pen and paper..

To better understand how we’d recommend you do this, consider what bills go out and when. If you have rent or a mortgage due, keep those aside for when you need them.

Then, make a note of how much you want to spend on your essentials, such as your food shop. You can even give yourself a small allowance for some non-essential spending too. Then, keep the money you want to spend separate from your essentials. 

Once you know how much you’re spending each month, you’ll be able to calculate how much you need in your account. That makes it far easier to understand how much you need to put into your monthly savings.

If you want a solid figure for what you should invest, you should put a minimum of 20% of your income into your savings each month. In a perfect world, you would be able to put half of your income into savings each month, but we’re aware that you all have bills to pay. 

The best way to stick to a budget is by considering everything you need as part of your essentials. Consider going to cheaper shops and not worrying about major brands.

There’s no shame in buying cheap clothes and food, especially if you want to ensure you save your hard-earned cash.

Don’t Let Your Lifestyle Grow With Your Income

We’re all guilty of spending more when we start earning more. But it’s essential that you know that just because you’re earning more, that doesn’t mean you should be spending more.

There’s a human need to spend more when you’re earning more. After all, why shouldn’t you treat yourself?

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Of course, that can be a dangerous habit. The more you spend, the more your budget will grow out of control. After all, you’ve seen how lottery winners will spend all of their money and go into debt, and that’s exactly how it happens.

You spend everything on what you want, without considering the consequences. We’re not saying you shouldn’t treat yourself now and then, but you certainly shouldn’t spend more money regularly.

Even if you think that getting a raise that means you can get a new car or a new home, that might not always be the most viable option in the long run.

So, try not to treat yourself to expensive dinners just because you can, or this lifestyle change will creep up on you.

Many people are convinced that they can treat themselves after they get a pay rise or a new job. But then they think that they can maintain a new standard of living.

Instead, you should focus on the things you already have. Instead, why don’t you put some of this extra money into your future instead? 

Put Some Money In Your Savings

When you start earning more money, it can be tempting to buy everything you want all in one go. But then you’ll find that you’ll always buy more. Instead, you should put that money aside and put it into a savings account.

You should put some of that money aside if you get a pay rise. Either put it into a rainy day fund or consider putting it towards your retirement goals.

In a way, you are spending your money on yourself. But it’s on your future more than the present. If you put this money away, it will be available when you really want to invest in a new home or car.

You’ll also find that it won’t make you panic about spending money, because you’ll have it available. 

To feel comfortable with the amount of money you want to invest in your rainy day fund, you should aim to have around three months of your wages in there. To feel extra secure, you should have six months there.

That way, you can pull enough money from your emergency fund to fall back on. These are ideal for situations where you have no other choice, but you shouldn’t treat them as an emergency bank.

Think of it this way: your savings fund is there for a specific reason. If you have a rainy day fund, don’t access it unless it’s a legitimate emergency.

Should you have a savings account for any reason, you should ideally put money away and ensure that you don’t use it for no reason. 

Don’t Try To Get Rich Quickly

Now, we’ve all had a look at get-rich-quick schemes, but most of the time, that doesn’t work. These end up doing more harm than good.

Instead of worrying about getting rich quickly, just aim to have more money. Trying out these schemes can be tempting, but they only work for the lucky few.

The success stories are more for those with nothing to lose, but it can be more dangerous if you don’t know how they work.

Instead of trying to get rich quickly, you should consider investing in a simple fund that you can contribute to steadily over time. If you try to gamble away your money to get more, it will only go downhill from there. 

While a get-rich-quick scheme can answer all your questions, it doesn’t. These can feel tempting to quickly build your rainy day fund and pay off your debts. However, these will only provide a short term solution.

It’s not meant to be something that just anyone can do. 

Invest Your Money Sensibly

As we mentioned before, you don’t want to gamble your money away dangerously. Investing only works when you understand what you’re investing in. So, ideally, you should invest wisely, and often.

Each dollar you invest will lead to more compound interest, so you should invest wisely to ensure that you get the dollars you want. 

Of course, you shouldn’t start investing before you’ve paid off your debts. Instead, you should invest when you’ve saved up enough so you can live with enough security.

Once again, this ties into how you should aim to get rich, but you shouldn’t expect it to be done quickly.

Getting rich while you have a normal job is all about becoming financially stable enough that you can invest in what you want. 

When you have saved enough money, then here is what you should invest in. If you can’t invest yet, it certainly doesn’t hurt to do more research on the subject first. So, here’s what you need to look at: 


We recommend that you invest in stocks. After all, investing in stocks is as though you’re investing in a small portion of a company. By investing in a stock, the company will use its money to grow and keep its business running.

When you invest in stocks, they can either appreciate in value, or they’ll pay you a monthly or quarterly dividend. However, you want to make sure you’re investing your stocks in the right company.

So, do some research into finding a company you believe in, and find out everything you need to know about stocks to make this investment work.

Real Estate

You’ve undoubtedly heard of people investing in real estate, and it can be a great investment. Many investors can either purchase the property or invest in a fund that invests in real estate for you.

This is called a Real Estate Investment Trust, or REIT for short.

You can get money from real estate by renting out the property to a tenant. They’ll then pay you above the cost to pay the mortgage on your property and maintain the asset.

You’ll find real estate can also earn you more money as the property appreciates in value.

A REIT works similarly, but you’re pooling your resources and letting a manager do all the work for you. But REITs also mean giving someone else more control of your funds, and so it can impact how much you grow. 


Government bonds are issued when either the government or any corporations want to raise money. By investing in a bond, you’re giving the issuer a loan that they have to pay back.

They do often pay small interest payments too, but they are known to be lower than other investments such as stock or real estate. But bonds are often safer, and less volatile than the previous two options.


While cryptocurrencies are the most recent investment on this list, they can be a good opportunity. However, opinions on how cryptocurrency works vary depending on who you ask.

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We don’t think that cryptocurrency is the worst investment to make, but you might want to do some research, as it’s an incredibly modern phenomenon. 

To give a brief explanation of cryptocurrency; they are a virtual currency secured with cryptography. The cryptography is then used to safeguard the crypto from either getting counterfeited or double-spent.

Essentially, investors buy crypto to safeguard their wealth from getting devalued. It also keeps them from being meddled with by rogue governments or getting stolen by thieves online.

Gold And Silver

You’ll find that gold and silver are invested in to mitigate the risk of having a portfolio. They’re seen as a store of value and are kept to ensure that your wealth won’t depreciate over time.

Most investors choose gold and silver because they have a shelf life that is perpetual, and therefore more stable. 

Change Your Relationship With Money

The best way we believe you can save money is by stopping yourself from seeing money as a way to trade. Instead, you should see it as a safety net to provide yourself with both wealth and security.

Just giving you advice won’t change how you view money; only you can do that. Instead, you want to consider how you view money now and see it in a different light.

We’re not saying that you don’t have to spend anything on yourself, but consider the things you really want. Consider what you can live without.

Not every luxury is necessary, so maybe, you should think about what you actually need. Treating yourself now and then is healthy, but you shouldn’t buy something just because you can. 

By changing your relationship with money, you’re also preventing yourself from buying more because of a change in lifestyle.

Just because you can spend money, doesn’t mean that you have to, and in a way, we do think that’s a factor that many people forget. 

Final Thoughts

As you can see, getting rich doesn’t have to be all about finding a higher-paid job. It’s more about how savvy you are with what you earn. With the help of this guide, you should hopefully have a plan of where you can go next from here.

Just remember, that if you want to get rid of your debts as soon as possible, then save what you can and then, you should be able to invest with no issues.

Andre Flowers
Andre Flowers

Hello, my name is Andre Flowers and I have been a Licensed Real Estate Professional for over 24 years. I also carry several certifications, including: Certified Distressed Property Expert, Certified Global Business Professional, Certified Credit Repair Specialist.

As a current Mortgage Underwriter with 15 years of experience, I have seen my fair share of money-related issues. Whether that be high levels of debt, not enough credit, or simply a lack of funds - I’ve had clients who fit into these categories.

Here I will share tips, tricks, and experiences on how you can get yourself back in control of your finances.

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