Labor Day: Who is Laboring Harder, You or Your Money???

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Well it is the first Monday in September again (aka Labor Day).

Do you celebrate the day as the official end to Summer? Or is it the day you simply enjoy off for all your hard work throughout the year? Or maybe it is just the latest reason to party, throw a barbecue or be with family and friends.

From me to you — enjoy the day.

But first ask yourself this question?

Who is laboring harder you or your money?

For most Americans the choice is unfortunately obvious as we work longer hours and earn nothing with our savings. Thankfully we live in a free country where it doesn’t have to be this way and we have the power to change it if we work at it.

Going forward I propose that you use every Labor Day as the once a year milestone to ask yourself the same question, then work or labor all year to improve the situation.

Who is Laboring harder you or your money?

I believe in being open and forthcoming with readers and thus, if I am going to ask you to take stock in your life I should do the same. More importantly if I am going to propose the question publicly I should answer it publicly as well.

The following is a brief review of how I evaluate who is laboring harder in my life.

Currently I have a full time job that I love. It certainly pays the bills and provides a few little extras but it requires I fly about 100,000 miles a year, spend 60+ nights in various hotels away from my family and is full of daily, monthly and quarterly pressures.

As for my money. I have devised a five step program that allows me the ability to buy a distressed asset for cash, repair, lease and finally secure private or passive lenders to recycle equity while keeping the cash flowing asset. This program is working great and as I grow the asset base and list of passive investors, it will allow my money to work harder and harder.

But as I sit hear on this Labor Day I will vote that I am working harder than my money — told you I would be open and honest.

My goal for next year is to have my money working as hard as I am.

Enjoy Labor Day

I wanted to thank the BiggerPockets community for the honor of becoming your regular Monday poster. I am interested in any and all questions you have around the topic of investing while holding a full time job.

About Author

Michael Zuber is an active buy-and-hold real estate investor who still has a full-time job. Michael is not an agent or broker, and simply uses the internet and agent relationships to drive his business. He currently averages at least one deal a month and has developed laser focus on his 5 step process.


  1. Right now, my money is working harder than I am. BUT, just as any quality boss, you have watch your money work and put it to it’s “best and highest” use. You are your money’s “boss” just as you might have a boss at your job. About 10% of my money is being lazy right now, but market conditions do not allow me to push it any harder at the moment. But that money is on the top of my list for a “job transfer” just as soon as an opening appears.

  2. Hi Mike,

    Thanks for the post. This is a good question to ask yourself and set goals to get your money to work harder than you. Currently I am only about 25% there but am working to attain that dream.


  3. Great Post Mike! I am in the same boat as you (though I don’t travel as much), but I feel like I have two jobs (rehabbing and working)!! I only have 8 little houses, I’m not sure how you manage with 100+. Please keep posting. I’d love to hear more about your process for identifying which houses make the mark for your investing criteria.

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