There have been a number of data points recently that have caught me off guard. Apparently, there are people in this world who actually work 40 hours a week or less and complain why they can't get ahead!
I understand the complaining if you are a student, have a disability, doing heavy manual labor, or are under-employed. But, I've only heard about places like France where people work less than 40 hours a week and start going on strike if they have to work more.
Working 40 hours a week or less is fantastic if you are happy with your income and career. Working 40 hours a week or less is also great if you are not bored out of your mind and can get away with it. Don't let anybody else tell you to work harder. Practice quiet quitting if you want to.
Unfortunately, I am neither skilled enough to do what I want with that little amount of time. Nor do I have the courage to work so little for what I am being compensated for. Besides, when I was in my 20s and 30s, I had at least 60 hours a week of energy to work. Trust me, your energy will fade eventually and you will have wished you did more while you were younger.
One of the core principles of Financial Samurai is this: Never fail due to a lack of effort because effort requires no skill.
Folks Who Complain Why They Can't Get Ahead While Working So Little
If you want to get rich, you must work more than 40 hours a week. Why? Because smart people are working 60-100 hours a week trying to become rich and successful. If you are not smarter than average, you have almost no chance of getting rich working 40 hours a week or less. The world is simply too competitive of a place, especially thanks to globalization and technology.
Here are a number of data points from people who are complaining about needing to work 40 hours a week. If you're feeling frustrated about getting ahead, know that the work comes before the belief! Once you gain a little momentum, the belief starts happening that will propel you higher.
Data point #1 On Working 40 Hours A Week
Two women on the bus were chatting next to me and explaining what a long day at work they had. It was 6:30pm and one woman said, “Thank goodness the day is over! I got in an hour early at 8:30am and am absolutely exhausted!”
She's exhausted for being in the office for nine hours and taking an hour long lunch break? Sign me up! In equities banking, we lowly analyst had to get in at 5:30 am to run errands and print out research for our traders, and then stay until at least 7:30 pm!
Data point #2 On Working 40 Hours A Week
For some reason, my article “How Much Do The Top Income Earners Make By Percentage?” continues to get random commenters (1,200+ now) who turn the simple question into a political and social debate about why the rich should be paying more taxes, and the lower 50% should be paying even less taxes.
One commenter says I'm out of touch with reality when I explain that anybody who really wants to be in the Top 50% of income earners ($33,000) can do so if they wanted to. All you have to do is work 63 hours a week at $10 to make $33,000 a year! He says that's ridiculous as he can't make that working 40 hours a week (no kidding).
Data point #3 On Working 40 Hours A Week
My friend in HR said her firm is implementing overtime compensation for certain level of workers who work more than 40 hours a week. I asked her why her firm was rewarding their workers for working hours they're supposed to anyway?
That's like rewarding the cable guy who comes within the allotted window! She giggled and shrugged. If I am the CEO, and you command overtime compensation for working more than 40 hours a week, I will do my best to refer you to my competitor to blow them up.
Data point #4 On Working 40 Hours A Week
A blogger who moved to a foreign country to experience location independence, swims for hours a day, “works” about 30 hours a week and says he's burned out. He's upset that he's not making more than $1,000-$2,000 a month with his info-products and online job opportunities. He's so burned out that he took a week off to re-charge his batteries. In other words, he took a vacation from his vacation.
You'd think as a full-time blogger working 3-5 hours a day that you'd probably post every day and never burn out. But, he only posts 2 to 3X a week and writes that he's frustrated nobody has given him a book deal. Come on now. $1,000-$2,000 ain't too shabby for kicking back!
The blogger is in his 40s now and had produced an award-winning podcast on living unconventional lives. He also got a book deal with the same publisher for my bestselling personal finance book. I’m actually blown away by his success and consistency for the past 10+ years!
I highly recommend everyone start their own website and brand themselves online. Get rich off yourself. Don't let Facebook and Twitter get rich off you!
Not a day goes by where I'm not glad I didn't start Financial Samurai in 2009. Partially due to having something to look forward to, I was able to negotiate a severance in 2012 to build this site. Financial Samurai now makes a healthy amount of supplemental retirement income along with my other passive income streams.
Data point #5 On Working 40 Hours A Week
There were four 20-something year olds just lounging in these recliners at Starbucks, surfing the web, and doing absolutely nothing but goof off for the entire 1.5 hours I was meeting up with a client. This was midday on a Wednesday.
One guy starts saying how his firm hired someone senior than him to do his job, and how angry he was for not being recognized more. Then this other guy who was listening to music off his laptop chimes in that he's been looking for a programming job for months.
This is San Francisco, where if you have programming skills, you are hired for $120,000 at 22 years old. Watching YouTube videos, surfing the web, and playing games on your laptop at a coffee shop during the middle of the day does not get you anywhere. Taking 1.25 hour coffee breaks in the afternoon if you are working doesn't not help you get promoted either.
Below is the average number of hours worked per week in the U.S. Talk about living the dream!
Data point #6 On Working 40 Hours A Week Or Less
After publishing the post, Are You Too Proud to Be Rich?, a lot of people complained in the comments section they don't have the capacity to side hustle to make extra money. It's as if once the clock strikes 5 pm, no more work can be done.
Meanwhile, I just wrote that all these first generation immigrants side-hustling and making more than these private school graduate Uber employees! Why wouldn't you want to start your own website to try and leverage the internet to make more money? There are millions of people out there who are making extra money via the gig economy and online.
Data point #7 On Working 40 Hours A Week Or Less
In an open letter to her CEO, 24 year old Talia wrote, “I was told I’d have to work in support for an entire year before I would be able to move to a different department. A whole year answering calls and talking to customers just for the hope that someday I’d be able to make memes and twitter jokes about food.”
WTF. Since when was working an “entire year” so bad before getting a promotion?
Data point #8 On Working 40 Hours A Week Or Less
Bo, a Creative Writing/English major from University of Colorado said he and other people were crying at their desks constantly while working for Amazon, according to a New York Times article. Even the elites are on strike, despite having prestige, status, and power.
Bo lasted for 1 year, 10 months at his book marketing role so he could do something more special, like work at a startup called Yessler. He lasted for 1 year and 6 months before moving to Microsoft, where he's been there for 8 months. Will he ever be able to last for two years at one place? Or will things just be too hard on him?
Data point #8 On Working 40 Hours A Week Or Less
Finally, let me update this post and share my own example. When the pandemic started, I told myself that I might as well try and make more money online given we were locked down. As a result, I spent many more hours a week writing and doing business development on Financial Samurai.
However, I no longer want to work 40 hours a week trying to make money online. This pandemic has truly beaten me up mentally and physically as a father of two young children.
I would love to earn more money and work less than 40 hours a week so I can spend more time with my children. I'm considering going back to work since people are making more money and more people get to work from home.
However, since I've been used to total freedom since I left finance in 2012, I don't want to work for someone anymore. Instead, I'll just focus on building up more passive retirement income. Therefore, I've got to learn to be satisfied with what we've got.
Do People Really Work Less Than 40 Hours A Week And Complain?
Are there really people out there who only work 40 hours or less a week and complain why they can't get ahead or make enough money? That's like slacking off in school and expecting to go straight to the corner office. Ain't gonna happen.
I don't think I've ever worked less than 40 hours a week when I was still working a day job and healthy. Day job work is around 55-60 hours a week and online work is another 20 hours of side hustle work for a total of 75-80 hours.
Add on 35-42 hours a week for sleep, that still leaves 50 hours a week to spend with family, friends, and extracurricular activities.
It's not like the 75-80 hours a week spent on work is all work either. It's fun to interact online, go play golf with clients, get some lunch and earn some income in the process.
Perhaps society has manipulated people into believing that 40 hours a week is a normal time to spend on the job or on an endeavor. Once you have children, your desire to provide will shoot through the roof. So maybe that's it. The reason why more people are complaining about working 40 hours a week is because fewer people are having children.
Two Ways To Get Ahead
There are two ways to get ahead: 1) Work harder and smarter than everybody else and 2) Make everybody else work less and dumber. If you ask any super successful person how many hours a week they work I can guarantee you that it's way more than 40 hours a week.
Do you think the POTUS works only 40 hours a week? Hell no! They regularly work 60-70 hours a week and are on call 24-7. Do you think Fake News King Mark Zuckerberg works 40 hours a week? He worked around the clock to build Facebook to what it is today. Do you think doctors don't study night and day for their MCATs to then go on single digit work hour rounds? The answer is “no,” and you all know that.
Stop being so lazy and abolish welfare mentality! We've got an immigrant janitor here in San Francisco who makes $271,000 a year due to working tons of overtime. He's not alone either!
His elevator/escalator technician makes $284,000 a year due to working way more than 40 hours a week as well. He's not alone either! Managers at In N' Out Burger earn on average $160,000 a year without a college degree.
The list goes on and on about people who work more than 40 hours a week in regular jobs and make handsome six-figure salaries.
Working 40 Hours A Week Is A Walk In The Park
If you can work 40 hours a week and be satisfied with what you have, more power to you. However, if you are complaining about life and why you don't have enough money and only work 40 hours a week, you need to get your head checked. This entitlement mentality has to stop if you want to build wealth and get ahead.
We live in a very competitive society and anybody who wants to be better than average can't work 40 hours and expect to be more than they're not.
Many Countries Have Employees Working Much Longer Hours
Just look at this chart of the percent of workers working 60 or more hours per week at their main job in various countries. Notice how U.S. workers are in the bottom half of countries with workers working 60 or more hours per week in their main job.
I had originally wrote this post before I had retired. Now that I'm 10+ years into retirement, I finally see the joys of slacking off.
I've only been “working” ~20 hours a week on average since I left work in 2012. But I jacked up my work hours to 40+ hours a week during the pandemic lockdowns because I figured I might as well make money.
Trust me, you won't regret the effort you put in when you were younger. Not a day goes by where I'm not thankful to be able to spend every day taking care of my family, instead of having to commute to an office and work at a job that I don't love.
With Joe Biden as President, more of us should be able to relax given taxes will be going up to pay for a bigger safety net. I'm ready to take it down a notch again after an exhausting couple years during the pandemic.
Maybe, soon, we really do deserve to get ahead while working 40 hours a week or less!
Negotiate A Severance And Leave If You're Miserable
In 2012, I negotiated a six-figure severance package worth six years of living expenses. It was my catalyst to break free from Corporate America for good. I didn't want to deal with a micromanager anymore. As an employee, you have more power than you think.
If you quit your job, you forfeit your right to a severance, to unemployment benefits, and to COBRA healthcare. Check out my book, How To Engineer Your Layoff. It will teach you how to leave your job with potentially money in your pocket.
It's the only book that teaches you how to negotiate a severance. In addition, it was recently updated and expanded thanks to tremendous reader feedback and successful case studies. The book has been extensively revised multiple times to incorporate more case studies and feedback.
Use the code “savefive” to save $5.
Invest In Real Estate For Passive Income If You Want To Work Less
If you're sick of working so many hours, then you should invest in real estate for passive income. Let real estate do the heavy lifting for you so you don't have to work as hard. Real estate is my favorite way to achieving financial freedom because it is a tangible asset that is less volatile, provides utility, and generates income.
By the time I was 30, I had bought two properties in San Francisco and one property in Lake Tahoe. These properties generated enough income to help me escape work in 2012.
Then in 2016, I started diversifying into heartland real estate to take advantage of lower valuations and higher cap rates. I did so by investing $810,000 with real estate crowdfunding platforms. With interest rates down, the value of cash flow is up.
Real Estate Crowdfunding Opportunities
Take a look at these popular real estate crowdfunding platforms. Both are free to sign up and explore.
Fundrise: A way for all investors to diversify into real estate through private funds with just $10. Fundrise has been around since 2012 and manages over $3.2 billion for 350,000+ investors.
The real estate platform invests primarily in residential and industrial properties in the Sunbelt, where valuations are cheaper and yields are higher. The spreading out of America is a long-term demographic trend. For most people, investing in a diversified fund is the way to go.
CrowdStreet: A way for accredited investors to invest in individual real estate opportunities mostly in 18-hour cities. 18-hour cities are secondary cities with lower valuations and higher rental yields. These cities also have higher growth potential due to job growth and demographic trends.
If you are a real estate enthusiast with more time, you can build your own diversified real estate portfolio with CrowdStreet. However, before investing in each deal, make sure to do extensive due diligence on each sponsor. Understanding each sponsor's track record and experience is vital.
I've invested $954,000 in real estate crowdfunding so far. My goal is to diversify my expensive SF real estate holdings and earn more 100% passive income. I plan to continue dollar-cost investing into private real estate for the next decade. Both platforms are sponsors and Financial Samurai is an investor in Fundrise.
Manage Your Finances In One Place
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The funny thing about the pandemic is that some who've been able to work from home are able to work less and still get paid the same. Now that's working smarter! Just make sure your company doesn't catch you slacking off too much!
Related post: In Search For The 2-Hour Work Day While Getting Paid Full Time
That bit about France and their “30 hour week” is now older than some of your readership. Lol. Not that it matters. European capitals are being blockaded by farmers right now protesting the government’s brutal policies to keep farmer’s poor and taxed to hell, and notwithstanding the effect of the blockades the farmers are passing those prices to you, the consumer regardless what you do. Meanwhile there are people like you, taking the sheeple any direction but the truth to understand what is going on. Like everyone is a “Ted talk” away from reaching their potential in this system, you gatekeeper charlatan. Come to think of it: is that where your money actually comes from, keeping clueless people on the plantation? I’m joking but honestly wouldn’t be surprised. The tricks this system puts out to preserve itself know no limit.
For those reading; here’s a good counterpoint about NOT making $400,000 a year if you want to be happy.
https://www.financialsamurai.com/dont-make-over-400000-a-year-goldman-analysts-suffer/
For an attempt at satire, this is amusing. Your inability to empathize with the individuals you target and attempt to shame is underwhelming. You undercut yourself by making it very clear that you are thoroughly out of touch with the modern working world.
I am glad your very unique and luck-driven situation worked out for you! You know, though, I’d love to hear more about the folks who are already working 80+ hours a week, branding themselves online, and for some silly reason still aren’t wealthy despite doing everything you mention and more. What gives, huh? I guess they’re all just lazy.
You really should proofread your writing, by the way. Thanks for the chuckle!
I appreciate the comment. Given English is my second language and I don’t have the luxury of an editor, I will endeavor to continue doing my best. I also welcome readers who can point out grammatical errors so I can easily fix them.
Probably one of the reasons why I’m out of touch with the modern working world is because I haven’t had a day job since 2012. I left after negotiating a severance and deciding I no longer wanted to pursue the money. But my friends who do work seem to be having a lot more flexibility post pandemic.
I don’t think people are lazy. I think some people are incongruent in desire and action. Nobody is going to save us. We must save ourselves. Feel free to share something about yourself.
Related: Spoiled Or Clueless? Try Working A Minimum Wage Service Job As An Adult
Samurai aka “the idiot in the room”.
Imagine working half the year to pay taxes (fun fact: there are European states that tax at 50%) and then thinking laziness is the reason people aren’t “getting ahead”. And that’s not even taking into consideration the 2x, or perhaps even more
Increase in high energy and food prices, which fun fact is being taken into consideration by government assistance increases but in only special cases for everyone above that level able to be adjusted for in any case other than more money coming out of the hand. And this, mind you, oh oh so coincidentally coincides with the effects of a strong social system and higher taxes in general, the kind of thing pushing down all into social class where the productive in output are on the same level as those doing nothing and getting just enough. Ask those who are working two jobs to rise up only to find the amount made busting themselves to earn a bit more is generously rewarded with a crippling new tax bracket.
By the way I landed on this site searching for probability statistics. How much did you give out extra to get that result just so I could flame you “finance guru”
Curious, why so angry with the name calling? If you’re struggling, you’ve got to focus on what you can do. Perhaps get some side hustles or do some part-time consulting while dramatically reducing your spending.
I love when lazy hypocrites refer towards others as lazy. I work 60 hours weekly so that I can live paycheck to paycheck while I get to watch the exact money that would calculate out to a profit margin beyond my costs be pulled away by taxation and social programs that recalculate themselves frequently in order to solidify that poverty. Where exactly in 60 hours of manual labor do I have space for a side hustle? Obviously I’m blind and can’t see how incredibly easy it is to make enough of a lump sum of money so as to not have to worry about working for it. The tax structure is greatly broken in the US. Social security alone gives you the best deal if you make more than $160k annually.
Isn’t this article talking about people who work 40 hours a week or less and complain why they can they ahead? 60 is more than 40.
Focus your anger on productivity. Focusing it on me doesn’t help at all.
Just because you are poor doesn’t make you less than, just like if you were rich doesn’t make you a douche.
I’m a pro-capitalism, fiscally conservative, libertarian minded individual who firmly believes in hard work…. and this article made me cringe so hard. This sounds like bad advice aimed at people who think they can grind their youth away for an employer and become the next wolf of Wallstreet.
First rule of working for a big employer: they absolutely do NOT care about you or what you do for them. If you want to grind your life away 70 hours a week for them they’ll let you and “reward” you with small raises until you get an offer elsewhere and force them to give you a real raise. If you want to work a reasonable 40-45 hours they probably won’t even notice, but will hold it against you for those tiny raises, which you can mitigate by leaving for a big ass raise from a different employer.
Lastly, you mock the guy who’s swimming in France and then later mention that some of your “work” is golfing and lunching with clients like that’s real work. If my job (engineering) allowed me to play games and eat in restaurants on the clock I’d probably enjoy 60 hour weeks too.
The point of this article is encourage congruency with desire and effort.
If you want to make more money, you likely need to work harder and smarter.
If you don’t want to make more money, then be happy with what you got and don’t complain.
Personally, I quit the desire to earn maximum money in 2012. I gave up the money at age 34 for more freedom. Therefore, I’m not going to whine about not making more if I don’t put in the effort.
I work 40 hours a week and it is killing me. I have a good job in IT and make 120k a year. I get paid hourly, and am told I can work up to 45 hours a week and get the overtime, but I don’t. I can do 50 hours of work in 40 and would much rather work harder for the 40 hours than waste more of my time stuck in the office. That being said, I often do not get 50 hours of work to complete each week. This leads to boredom at my desk twiddling my thumbs.
Now that I have had a taste of working from home during the pandemic, I also do not want to work from home 100% of the time either. For the last few months, I had a perfect balance. Tuesday and Fridays working from home and Monday Wednesday and Thursday in the office.
Unfortunately, we are now required to be in the office everyday (non negotiable) and I instantly hate my job again. I feel like I am spending so much of my youth grinding away for the dollar just to have a nest egg I may never get to use when I’m 70+
My case is different than your initial assertion because I DO have a corner office and a good career, but feel like I could get just as much done in 35 hours than 40. This leads to boredom and a sense of frustration. To me, everyday of work feels like an 8 hour plane ride where I have access to the web and my work, but am trapped arbitrarily at my desk until I hit my 40 hour minimum.
I am 30 and value my time
Man, I never thought about working eight hours like being stuck on an eight hour plane ride. That is a pretty damn good analogy and I would hate my day today if that were truly the case.
I’m glad you have the corner office at age 30. That is pretty rare. Therefore, it sounds like it’s time for you to take on some new challenges and do new things.
Enjoy the YOLO Economy to the max! I certainly will.
I appreciate the response!
Yeah, I do believe that not being challenged definitely contributes to that trapped feeling. The main issue is that in my role and my particular workplace, I have very solid job security. I am lucky to have known the owners my whole life, and there is something to be said about the comfort the security brings.
It is a balance between taking calculated risks vs. a “this is good enough” mentality. It is not a bad job by any means, just feel like I could be doing more with my time. The security and pay make it hard to entertain new offers, and that makes me feel like I have plateaued.
Should I forgo the security to look elsewhere, or settle into the reality that this is what I should expect for the long haul?
You’ve got to find what I call your X-Factor. Do something outside of work that gives you more joy and meaning.
After 13 years in finance, I wanted out b/c I was bored and the job didn’t have much meaning anymore. My X-Factor was Financial Samurai, and it’s served me well since I started this site in 2009.
It’s nice to have a steady job that pays the bills and provides benefits. It’s even nicer to go do something outside of work that gives you joy.
I do think more people should take more risks while they are young. You never want to look back and wonder, “What if?”
Its not about the hours, but the value of your hours. If the value of your hour of work is $67, then one would only have to work 2 hours a day 5 days a week, to make $33k a year. Putting in more hours is the fools errand and the road to nowhersville. Better to put hours in getting education for a in demand trade or technical career. Rhe absolute best thing is detaching earned money from worked time, then the skys the limit.
You mentioned 8 (actually 9) examples of “data” to support your overall assessment of how people work and their perception of work. This is laughable to anyone who works with big data. Noting a few personal experiences is not sufficient to make grand conclusions. Also, can we please stop thinking that humans are robots with endless amounts of concentration, health, productivity, and logic? We’re human, and we’re social creatures that depend on each other for survival. Anyone who thinks people just need to work “harder” and “smarter” are just parroting propaganda developed by wealthy people.
Wow… so you’re an idiot. Congrats! you’re out of f8cking touch. I don’t think it’s fair that I have to work more than 40 hours a week. Look at the people in France and Spain. They do just fine working 35 hours a week and live a great life.
Your reality doesn’t count. Mine does. I deserve to be rich. For you to point out that rich people work more than 40 hours a week and take more risks than others is infuriating!
Thanks for your comment. I’m sorry to have made you angry. If you don’t want to work more than 40 hours a week and are happy with where you are, then all is good.
Enjoy life more. That’s what I plan to do as I cross off things on my pre-retirement checklist again. It’s all about the YOLO Economy as we come out of this pandemic!
“I deserve to be rich.” – The last time I checked no one ‘deserves’ anything. That’s an entitled way of looking at the world. If you want to be rich in your field endeavor, work the hours needed to achieve it. But don’t expect doing the bare minimum is going to make it magically happen for you.
I decided I didn’t want to just sit behind a PC fixing people’s problems anymore and wanted to lead others. So I worked harder and got the hard issues, handed coordination of important projects and ultimately promotions to where I am now. I hate to break it to you, but the higher you go in an organization, the more hours you’ll spend working, but the salary and additional benefits that come with it can make all the difference.
When some friends I work with that stayed on my old track go on vacation, they go to the lake for a week. When I go on vacation, I go stay in an over the water bungalow on an island. It’s all about what you want and what you’re willing to do to get it.
Is this sarcastic? It reads like satire.
“Your reality doesn’t count. Mine does. I deserve to be rich.”
This sounds like a satirical quote from the Babylon Bee or the Onion.
Congratulations! You have bought into the propaganda funded by the rich capitalists and are willfully letting your boss exploit your labor while buying into the lie that “If I just work harder, I will be rich like them someday too!”
Either you are a brainwashed tool of the upper classes… or you are a willing propaganda arm (tool) of the upper classes. Either way… this whole article is filled with bs that is not supported by empirical data or reality.
To anyone who truly feels this way about working… wake up! Human beings are not made simply to work! There’s more to life than that and if you are American… odds are that your employer is paying you less than the value you put into your work… cause that is how capitalism works. You create a product and your boss sells it for more than they paid to make it so that they can pocket the profits. Those “profits” are value you put into making the product that your boss didn’t pay you for. The owner class doesn’t provide anything or work at all to create more value… the working class does all that and get paid less than the owner class for it. That’s Capitalism.
Work smarter, not harder?
See:
https://www.financialsamurai.com/the-easiest-way-to-make-money-from-home/
https://www.financialsamurai.com/yolo-economy/
God all the little boys living in their parents basements bringing up the fallacious argument that humans “were never meant to work that much” are seriously reaffirming the stereotype of the soy beaned pumped, electronics and couch orbiting gen Z low lifes who have lost touch with reality, both past and present.
Labor is relative, and whether your labor is driven by the need to survive in a non industrial society (exponentially more demanding), or to thrive and be able to utilize all the benefits of a capitalist society (which means not living in less desirable places such as Spain or France so commonly brought up by the aforementioned soybean) your a$$ will still be working. Humans used to work 24/7. Their labour was motivated by needs of survival which when compared to modern life, is 1000× more work in both time and physically effort and never allowed for set times off like “vacation”.
One slap on the back of the neck for the smoothbrains who used the words “capitalist propaganda” while living in a country founded on capitalism, surrounded by items driven by the capitalist nations and their conflicts, utilizing public services funded off of capitalist society etc.
You guys want to be rich working 30 hours a week buying your over priced Starbucks coffee (product of capitalism) and it shows real bad. Absolute Roaches.
Capitalism sucks. Ever heard of egalitarianism?
pdrboston.org/it-s-not-utopia
Also, where do you get the notion that humans used to work 24 hours a day?
You lead a sad life buddy. Nobody cares how much you work. Not even your employers. Hope you find something to actually live for in life.
I know. And thank you for your encouragement. I left work at age 34 in 2012 b/c I was sick of the grind. But by 2014 I got back on the horse to do some part-time consulting.
I’m trying to re-retire again under President Biden because I’m so tired of working hard during the pandemic to provide for my family. But I figured, if the government is going to lock us down, I might as well put in max effort until lockdowns end to build as much passive income as possible.
I’m burned out and really want to return to living a more relaxing life as my two young children grow up. Time waits for no one!
See: The Best Time To Retire May Be Under A Democratic President Like Joe Biden
If you have any recommendations on a better work / life balance, I’d love to hear it. Or perhaps share your story and how you’re make it all happen. Thanks
Dude major props for even giving these plebs the validation of a response. Some people aren’t capable of thinking on the generational scale.. only displaying selfish lazy traights oriented around the goal of in the moment luxury. Your kids are about to be debt free with that head start because of your sacrifice which is all that matters, and in 100 years when your families networth remains on the steady rise and theirs remains generationaly stagnant, you will have the last laugh. Been reading all the comments your post stirred up for the past hour and it is seriously saddening. Some people don’t live for growth, just comfort.
Thanks. It’s all good. I understand there is a lot of frustration out there. When I was in my 20s and 30s, I felt the same way as many folks. But over time, I’ve seen what putting in consistent effort can do.
At the end of the day, everything is rational. We must be satisfied with our results. If we are not, we will change.
Korbenfeld, you are just a tool for the establishment. Enjoy your heart attack.
Your perception on life and reality is deluded. Congrats on working from 5:00am to 7:30pm but unfortunately, I see doing more with my life than that. It’s not a “person” person it’s a societal American problem- that we are taught that working for free (over 40 hours salaried) isn’t enough. That coming in early and staying late is expected to get ahead in this rat race. Work smarter, not harder. We are living beings, not made to work till we die.
I deserve to be rich just like every other rich person. I should have to work harder than average here in America.
Thanks. Good luck to you.
Check out this post: Don’t Make Over $400,000 A Year, Look How Terrible Life Is
I know being workers is fun and sometimes profitable might NOT know your work ethic is admirable thank you very much. However money for nothing and chicks for free that’s the way you do it YES more or less really there are and we are grateful that they are diligent and also happy with this generosity and concerned that some are blissfully unaware of lifestyle other than our own. Ever stop at a convienience store a Holiday station for example and one side says SELF SERVICE and the other says FULL SERVICE like oh well… see you on the other side.
OP, do you know how many people who are happier than you with a lot less?
Or how many people make more than you ever will for a fraction of the time and energy you put in?
Hell, there’s a whole swath of FI/RE people who simply lived below their means for a decade to invest enough to never work again after 40 while still making money.
You sweet summer child—You’ve convinced yourself that “hustle” equates to financial success, or that income defines success. People fill their lives with “hard work” and long hours for years just to end up with nothing, both economically and socially. You’re one accident, divorce, market crash, medical emergency, etc away from dying broke and alone. And good luck with keep that energy level up after 45ish—if you make it that long.
Indeed. I’m planning to re-retire over the next year or so. It was a nice break for me from 2012 – 2019. Now, I’m tired of the grind and being locked down. Big government is providing more support and if I’ve got to pay even more taxes (already pay 6-figures a year in taxes) and $2,200+/month in unsubsidized healthcare, it no longer feels worth it.
Got to enjoy life to the maximum post lock down! I am glad I utilized the pandemic to boost my wealth and passive income. Always got to make good out of suboptimal situations.
I hope you make it past 45 as well. Let’s go!
Related: Solving The Happiness Conundrum In 5 Moves Or Less
Wow – if you ever need another passive income stream, consider teaching a class on how to respond politely to people on the internet. I don’t know how you manage to put up with all the crap you’re getting, but it’s like a Masterclass on diffusing angry commenters.
After so many years of running Financial samurai and hundreds of thousands of comments, I recognize that a lot of the commenting is a reflection of one’s own situation. So I have empathy for those who are frustrated and angry, and especially those who wish harm on others.
I have yet to meet a happy person who wishes bad on someone. Hurt people hurt people, as the saying goes. Hopefully, things improve over time.
You are crazy, I work 40h/week and I am trying to find a way to work less.
If you are working more than that I don’t know what the hell are you doing with your life.
It’s a life that doesn’t worth to be lived, you just work!
I would prefer to be homeless or dead
I agree.
There are 8760 hours in a year. Working 40 hours every week (if you’re not getting any vacation at all), is only 2080 hours a year. Less than a quarter of the total time you get in a year. But yet even 25% of your time dedicated to work is tooooo much.
“My friend in HR said her firm is implementing overtime compensation for certain level of workers who work more than 40 hours a week. I asked her why her firm was rewarding their workers for working hours they’re supposed to anyway?”
This attitude is fucking toxic. They are paid for a 40 hour work week. More than 40 hours is not “hours they’re supposed to work anyway”. Shit like this is one of the reasons mental health in this country is continuing to get worse. No one should be required to work ridiculous hours just to keep their jobs, there’s more to life than sitting in a cubicle all day. You should be ashamed of yourself.
You are right. I was ashamed of working hard for 13 years after college. That’s why I negotiated a severance and retired in 2012 at the age of 34.
Life has been so much better since retiring. It’s much better to kick back, enjoy the outdoors, and spend more time with family.
With Biden in 2021, There’s no better time to retire and let the government take care of us!
Jesus, you’re so out of touch it’s pathetic. That article bitching and moaning about an extra 2.6% in taxes on income over $400k reads like a parody. I’m so sorry for you that you have 3 dollars left at the end of the month after paying your mortgage and taxes on your 2 million dollar house, paying way more than necessary for food, saving a crazy amount for your kid’s college costs (over 18 years, you’re saving $162k per kid assuming your investment get zero return), going on a $7k vacation, paying for your kids to be in both a private preschool and daycare at the same time, etc.
Can you share where all your anger is coming from? Some context would be nice.
I am agreeing with you that it’s best to kick back and not work so much. Life is better when you pay less taxes, have less stress, and more leisure time.
I think it’s great not to work as hard next year. The Biden article is a hypothetical budget of how a $400K family can run out of cash flow.
Why can’t I join you in working less than 40 hours a week? And why is your reality more real than other peoples realities?
Wow! Talk about being ignorant and complaining why life isn’t fair. Have you ever stopped question the reason why you aren’t getting ahead is because you have poor work ethic, I didn’t study hard in school, and didn’t take any risks in life?
Stop being a loser and thinking the world has to adjust to you. That’s not how the world works sonny. Nobody’s gonna save your sorry ass from being a loser for the rest of your life. The only person who can save you as yourself.
Resorting to personal attacks and name calling serves no purpost.
What makes you think his comment is about “getting ahead?” It’s quite possible you’ll look like a total loser in the end. Life doesn’t always agree with taking risks…but keep taking them and keep your attitude then reach back out in a decade. Life tends to temper those who think they know it all. Especially those people.
“But, I’ve only heard about places like France where people work less than 40 hours a week and start going on strike if they have to work more.”
If we look at the productivity per hour france is at $62, right behind USA ($65):
ourworldindata.org/grapher/labor-productivity-per-hour-pennworldtable
Although they work way less than Americans. Hours worked has nothing to do with productivity. It’s also about your qualification and industry. Just working more is a low iq way to make more money.
this is the dumbest comment I’ve ever read. I’m guessing if he retired in 2012 and He just had a newborn baby which means he’s still pretty young. He’s retired wealthy and doesn’t work unless he wants to, and you’re stuck working a 40 hour a week job.. I feel like his IQ is probably substantially higher than yours. Lol are you French? If so. My take on French people is that you are all incredibly stupid. Wow.
What he said made 100% sense, you are just too stupid…
What the F*** is this article? I came here because I hate having to work a strict 40 hours versus getting what needs done done so I can do things that actually matter in life.
Seriously if you think you are so much better than everyone else because you have 60 hours a week in you.. you must love your job and everything you are doing in it. I have 60 hours of work in me for things that are passionate and move my life ahead. I can’t put another 8 hours in after a full day of working a miserable and life sucking job.
If you hate working 40 hours a week and don’t care about getting ahead in your career or building more wealth, don’t!
This article is about those who are working 40 hours a week or less but who want to get ahead and are frustrated why they can’t.
I never realized how many hours I work a week. At my day job I work 35 hours/wk and earn more than I need. Then I have a second “job” where I “work” 5 hours, seven days a week. Until this moment I did not realize it is a second “job”
I love the stock market. I read for 35 to 40 hours a week about the stock market, money and my investments. I just never thought of this as a job. I earn much more money at my second “job”
They are right. If you do what you love, it is not work. But Sam is right. I am in the top 1% but I “work” at least 70 hours/wk. I just didn’t know it is work.
I don’t believe what I read as thought interplanetary elements are at work. It’s as the whole world is nuts, maybe it always was . 1 person can throw a fuck into the world. Good example the president of ‘supposedly the most bestest country in the world. His words on Larry King, if I ever ran for president I would run democratic as they ARE the stupidest people in the world. Quote’ This was A bet batwing rich con men. GOOD ONE. As it continues the rest of the world looks at the simpsons and sees real life implications. Maybe Matt Groening is a future reader. Maybe this is a plot or conspiracy, the rich have their own idea of how to control the masses. I am a boomer done every job, some I loved some I hated. Of course when you are young you have more ability and vigor, but not many get that as a life long gig. In this day of 2020 we are all us boomers looking at the past and seeing a repeat of history because of people like Hitler Trump and any others that put themselves above all things. With power comes corruption almost always and now is more than ever a time to stop and think. If the world keeps going in the same direction we will all be gone soon, I am of the sort that thinks about everything I do or say….. TRY! If the people in power situations don’t make a difference they should not be leaders, Obama the first black president, did he do anything…. NO. The people are stupid I am stupid as I don’t vote. I consider it a waste of time,there are no candidates. Why is it that we never have any body do any thing ever. WHY… the system has been folded and bent to suit the wealthy the 1% never to change,only will grow power makes money, money buys power/??????????? I am not a Jesus person but I believe that there is something beyond people. But we are so messed up dealing with other people’s lives we miss what makes this world keep spinning, completely. This is only my response to our world as it is today, FUKED. 1 more round of trump should do it! Obviously we live for today, some the 1% are more than rest as they can wave a stick and ,poof we have an issue, the world is lost, soon the rich will run the world openly’! Corporations with no need to pay tax, part of the game. When I was young and saw graffiti that said make the rich pay,I did not understand I do now. Some how we need to do something I have no trouble with rich people, mostly but it does not take any genius to know that people like amazon, work those people like slaves. Nobody knows the depth of power to those few that have far more money than any country. How is it that the richest man in the world has his guys peeing in a bottle to make quota and the world can’t say a thing. I sure hope somehow that just some of the 1% decides the world is more than a blob to scrape dig frac the world of its natural worth. All in the want for money, as in the bible “‘ the love of money is the root of all evil. In all of the secrets some are so unreal most people have no ideas that a secret society of the rich is the real leaders of the world. It goes on under our noses, But we don’t see, for them it’s a game to see who can have it all. The people are being told don’t vote it won’t count, it’s rigged it crooked, he is the worst leader America could ever have and he will stay. Will the stupid Democrats wake up or will they keep on doing nothing ! And anything and nothing is what’s going on. As a nobody speaking to the world of nobody’s it’s time that 1 person could take a stand, but in the world today even a man that has as much money as the entire world and pays no tax feels like god. So many buried secrets that new lies are created to keep the secret lies. Just like a herd of cattle, or a Petrie dish, we are also puppets on this FLAT EARTH. Or brown cows give chocolate milk, seems that school didn’t help us but the other countries took full advantage and sent people from all around the world to learn how to fuck the world and have done a better job than us whites. It is true that some boomers took as much as any dictator and more.Only now as our entertainment we watch the search for lost stolen treasure as some truth is revealed. It is time that we hav so I of voters Let’s get it right or try to do what was meant of leaders not gangsters
That’s you seem to THINK that this article is about. But it’s not. It’s just a bunch of BS that buys into the screwed-up belief system that says that if you don’t work way more hours than what your job is *actually paying you to work*, then you’re not “vibrant,” “dynamic,” “enthusiastic,” “take-charge” team member (pick your BS business buzzword here). Modern society has reached the point where working 40 hours a week (7/10 of your life) is considered to be just the starting point — just a bare-minimum that actually doesn’t meet the expectations of corporate management. No, what corporate management expects, if you ever hope to “get ahead” (and really think about that definition of “getting ahead” and if it really, actually IS, in the larger terms of having a happy, fulfilled LIFE), is that you get up early every weekday, switch “on” like an automaton and perform all day, then work *more* hours after your workday is ostensibly supposed to end, and, oh…be available to take emails and calls on the weekend, too, if something “important” comes up.
And if you don’t do that, if that stifles you and frustrates you, if you don’t define yourself in terms of how much time you spend working and not actually living, if you don’t buy into this ridiculous machine that we’ve created that says that everyone has to be so damned “productive” at all times — then apparently you’re just a lazy whiner who needs to get your head examined.
That’s total rubbish. Your article is garbage. We humans are the masters of limitation. We set up these ludicrous structures for ourselves — and then we wonder why a huge percentage of people aren’t happy. We live on caffeine to keep awake, and antidepressants to try to maintain some semblance of happiness. And still, the majority of people don’t like their jobs. A lot of them HATE their jobs. And what else would you expect, from a society whose value system is so messed up that it thinks that people have incarnated into an Earth existence in order to produce widgets and make money 50+ hours per week. And if you don’t buy into that skewed value system, then, society says, YOU are the one who needs your head examined.
Total BS article.
Actually, I know what the article is about because I wrote it.
It’s easier to wear slippers than to carpet the world.
Channel your frustrations to make a change. I did, and negotiated a severance in 2012 because I was frustrated with the lack of career progress and no longer found joy working in finance.
I think you’ll enjoy this post as well: No Need To Win A Financial Argument, Just Get Rich
Another entitled white man who is unhappy at life and thinks his way is the only way, despite being miserable. This is so awesome and entertaining. I love the comments so much!
It is amazing that people say they don’t care write such angry comments.
Hey Greg, the first step to becoming a winner is recognizing that you are a loser. If you’re unhappy with your life, change it. Calling people names and getting angry over the Internet is not gonna help you one bit. You’ll be a loser for the rest of your life.
Oh shut the hell up, Derek. You say I called him names. I didn’t — not even once. Read my post. YOU, on the other hand, called me a loser, twice. Stop projecting.
And when/where in my post did I ever say I don’t care? I did not.
I 100% stand by what I said in my post. This article is a bunch of bull, and it is an embodiment of everything that is wrong with today’s corporate society. I am DESPERATELY taking steps to get out of my situation, and though I am not out of the ball-and-chain, working-for-someone-ELSE’S-dreams life yet, I’ve made some progress since I last posted here. So don’t give me any of your cheap two-bit armchair pseudo-psychoanalysis. Deal?
I’m so glad someone said this. What a bunch of arrogant, ignorant misplaced confidence this person has. Love the example of while he’s listening to 2 young people that are looking for jobs in laptop and one is talking about a seasoned worker getting his position. Didn’t mean they aren’t doing anything productive to seek a successful future. He saw them in a stolen moment of their day and he was listening to their lives instead of having FJ cern for his own client. Sounds so successful
He’s not saying work at your job more than 40 hours a week. He’s saying he work 40 hours a week at a job plus side hustles and online jobs. He didn’t waste time on YouTube or video games, he built a side hustle that turned into a lucrative business that made him wealthy and made investments to keep him wealthy. He was smart and not lazy. The point is, if you want to get ahead, go find a side hustle (DoorDash, Uber, online business or a business at home) and stop coming home after work and watching TV or playing call of duty.
As a person who has never had much ambition I am completely fine with becoming homeless and picking up change in parking lots if Im not told to leave. This will be a very full time job for very little monetary reward.
This website is based upon hunches and personal anecdotes, rather something that was invented a little bit ago called science. Science has shown that a 40 hour a week isn’t necessary. It has shown that a 40 hour week is optimal. That’s what’s stupid about this website.
Read the story of Henry Ford and how he outputted cars at a rate 3x higher than his competitors. Why do you think they instituted the 9-5 work week? It was due to him. We found out that people output the most ABOUT 40 hours per week. The exact amount is different for every person.
And, people who say they work 100 hours a week are lying. Like the guy who wrote this blog, he didn’t work the entire day. He had downtime which is typical in finance. I don’t know what type of analyst he was (sounds like trading) but you don’t work all day. There are so many breaks you take throughout the day in certain jobs. The 40 hours/week recommendation is based upon total hours worked. Yes, in many jobs, you can’t maintain a straight schedule but if you do this, don’t say you work all day. That’s just stupid.
Your comment is an absolute joke. Surgeons and doctors regularly work 60-120 hour weeks, especially in Residency. A recent study in my specialty showed Neurosurgeons AVERAGE 70 hours a week. And then people like you complain we get paid too much. An absolute joke.
Doctors are severely underpaid for the work they do. Providing comfort and a cure and mental support or huge huge huge benefits when someone is sick.
I know a few people who are rich as hell and work 70 to 90hrs a week. They’re also miserable and have destroyed their relationships because of their work schedule. I also know that one of them had to stop because it was causing them health problems.
Hey doc, I got news for you. Doctors are in high demand because people need to survive, you took that career knowing you would work long hours to meet that demand. This is not the case or remotely necessary for most other jobs. Profits don’t need to grow, there is an arbitrary desire to most times. People should not work longer hours to compensate for a lack of planning and management that create delays or financially-threatening situations to the company.
Wow, way to victim blame there Greg.
Is all that time effective time where you are at maximum productivity? You are always on like a laser pointing to an object for 60-120 hours a week? Must be a neurotypical personality type with no attention deficits. That sounds so absurd. I wonder if in those 120 hour work weeks you sleep or exercise or eat healthy, otherwise as a medical professional you are being a massive hypocrite to patients.
I work 35-40 hours per week and make $145,000 plus bonus plus stock options plus a 100% passive side income. All told, I am at around $300,000 per year. NEVER worked more than a 40 hour week in my life. And I don’t plan to. If I were given a choice to quit or work more than 40 hours, I’d quit any day. Because of smart investments (NOT working crazy hours all of my life), I am able to quit if I so choose. Work smart. Not hard.
Life is short. Perhaps you have been fortunate enough not to have lost anyone you love. My brother, perfectly healthy, died unexpectedly of a freak heart attack (age 61). My cousin also died unexpectedly at age 45. (Again: a freak medical issue that he showed no symptoms of.) My mom died within four months of being diagnosed with a glioblastomo brain tumor. My dad died eight months after my mom. None of them were able to take their money with them in death. Unless you have figured a way to do that, then why the bloody h*!! are you advocating everyone kill themselves while alive?
So if you think working those hours is “getting you ahead” in life, great. But how much life do you have left. What if, God forbid, you are like my cousin and literally drop dead at work on a Monday morning at age 45? He, again, was perfectly healthy and had just passed his annual physical the Thursday before with flying colors.
There is more to life than work. What kind of meaning are you getting from life? What memorable life moments are you creating with and for those you love? What deep, lasting, memorable moments are you creating for YOU?! How will your loved ones remember you? What “treasured memories” will they have? “Being lazy” takes on many forms–not just financial. One can “be lazy” in how much time and attention one gives to friends, family, pets, etc.
I know my comments are falling on deaf ears. You’re in a different place in your life and are incapable of true understanding because (again, thank God) you likely haven’t had the kind of soul-crushing, heart breaking loss that many others have experienced. (That is not a judgement; it’s just a statement of fact. Like you, before experiencing loss through death of loved ones, intellectually I could understand the comments about loss and living life to the fullest. But emotionally, I was incapable of undestanding.
Post again in 10 or 15 years (hoping you are still alive). I’d be interested to see how your perspective changes.
In the meantime, I truly hope you can get more of a life than just working and focusing on your financial statements.
I agree. If you don’t want to get ahead, don’t work longer than 40 hours a week. If you do want to try to get ahead, it’s probably worth working longer hours as there are an endless number of things to learn and do.
Everything is rational and I’m glad you have found your perfect balance.
“If you don’t want to get ahead, don’t work longer than 40 hours a week,” is debatable. While “getting ahead” is relative, I would say Heather’s description of her life would certainly qualify.
Keeping your work to 40 hours while being as efficient and intentional as possible, can produce better results than the average person working 60+ hours. It’s about the results you produce in your work week, not the number of hours you work to get them.
I only work 40 hours a week on average. From 2015-2018 I doubled my income and received a promotion. Since 2018, I have increased my income by another 50%. I have recently been selected to be the director of our first satellite office in another city, which will be another promotion and increase in income. You can certainly get ahead while working 40 hours a week, but you need to bust your a** for those 40 hours.
I mean like what the hell. “Getting ahead” – most people that work 40h a week make like 40-50k a year, if you can make 300k with 40h what more of getting ahead do you need? He ist still 6x better than your average dude. I don’t get that. And the biggest force in universe is compound interest anyway, but you cannot force it, only time can…
In what position/field do you work if I may ask? I share your views, I’d rather quit than working more than 40, I very much prefer a good work-life balance over working my soul off and not enjoying life for more money which I will not be able to spend. But looking at jobs in finance hardly any of them are 40hours a week
Capitalist propaganda at its finest. I know people who work those types of hours, I also know many people who abuse various amphetamines to do so. Have you ever heard of a nervous breakdown? Wall Street blow-ups? Work yourself to death, become a cog. Die of stress knowing they’ll just replace you with someone better than you. That’s what capitalism wants. This article itself (despite the disclaimer) is completely ignorant of the fact that most people in our society age, possess ailments, mental health issues, have large families and are immigrants. So yes, I would much rather have time to spend with my family, working on my health, working on my personal growth. Where I work, you don’t get hundred dollar business lunches. You don’t get to play golf with your colleagues. You work all day on your feet until midnight. So tell me, where is the room for balance? How do you spend time with your children? I assume one day you’ll be Cats and the Cradling your own children. Pity. All so that they can run around in cute little brand name sneakers and tote the latest phones and go to upper echelon universities, right? Thanks to you your children will become cogs too. Working more doesn’t make you more valuable to society, it just means they’ve got you whipped.
Learn how to program. 40 hour weeks with $79-$100k starting.
I’m actually super shocked by the shaming that is happening in this article. This is an extremely antiquated way of looking at ‘getting ahead in life.’ For once, people are looking for balance. Finally, people realize that you’re not promised tomorrow, let alone being able to be alive long enough to enjoy the retirement you’re saving for. You’re judging young professionals sitting in a coffee shop on a Wednesday for talking about their career challenges. Ever think their job let them out early that day? Or maybe they took an important mental health day? Or this was their/their friend’s special birthday so they chose friendship over work for just one day. And here you are judging. Shameful.
I actually used to look at people who worked 60+ hours a week and think “yikes – good on you, but there’s other things in life to enjoy.”
I finally started getting ahead in my career and life when I STOPPED putting in 40+ hours a week. It made me work smarter. I got ahead because of what I brought to the table, not because I sat at it 40+ hours every week. Here’s the bottom line – if you can’t get your job done in under 40 hours per week you’re either not working smart and efficient, taking on too much, or you’re doing the job of two people which, in my experience, rarely equates to moving up the ladder anymore – it just means the organization found a willing and able body to cut costs for them.
It all depends on what you cherish most in this world. For some it’s work. For others it’s time with friend, family, animals, non profit work, taking an active role in the community whether it’s work or play. But no matter what you choose – you have the absolute right, as long as you’re doing your job well, to seek higher paying opportunities within a 40 hour work week.
That’s the thing. Anybody can do anything they want. They just have to be CONGRUENT with their desire and their effort. I hope people understand this point.
Everything is rational in the end. This is one of the reasons why America is so great.
Best of luck to you!
Dear Tracy – Its wonderful if you value other things in life, just do not expect someone to compensate you for the non-monetary rewards you are happy with. I think the author is simply pointing out the hypocisy of expecting both. And – there are many many professions which CANNOT be excelled at within a 40 hour week. Period.
Enjoy life – and let us who also want to achieve intellectual and professional excellence enjoy that. If the things someone wants to do brings economic value in the marketplace, great. If they don’t – then the person should build that marketplace… and it will not happen in a 6 hour a day effort!
Let’s just admit it, we have become soft, lazy and self indulgenct as a society… which is why your grandchildren will be speaking mandarin to their bosses – and should NOT expect their ‘right’ to be a fulfilled individual to be respected!
You’ve fallen so deep into the trap of unfettered capitalism that you really believe someone needs to be spending more than a third of their time as a conscious, breathing person working.
Laura, I really pity you and the mindset you’ve been tricked into adopting. We haven’t become soft and lazy… we’ve become aware of what should be healthy and sustainable working conditions, and we’re just waiting for the employers to catch up with that.
I want you to really think about your comment that someone who doesn’t want to work 40 hours a week does not deserve to be a happy person. Think about that. Take thirty seconds of your time, if you aren’t more interested in filling it with needless work, and think about what you said there. Thanks.
YES, Rachel. Yes. Thank you for this comment, couldn’t have said it better myself.
You are so lame keep working 10 hours at week then I could care less
Oh yes, because working to better society for more than a third of your time is somehow bad. Talk about absolutely selfish nonsense. “Needless work”
Most people work to
make the rich richer while they’re left exhausted & struggling to pay bills
Would love some Input into my situation. I work 60 a week in manual labor job and it’s just breaking me. I’m in FULL BLOWN crisis mode to find a new career. Being number and word dyslectic has hurt me professionally, but I am determined like like a RAGING BULL to figure it out. When I was younger I wanted Ferrari’s and Lamborghinis and mansions. Now I just want a paid off small condo anywhere on Long Island. Not afraid of the hood, of all my flaws at least I’m tough as nails. I love the blog FINANCIAL SAMURAI but at my 60 hours I’m about to breakdown before my 30th birthday, I understand the hard work aspect but this cannot go on for me so your post strings a cord of mine (anger) because I feel as though I have no confidence that I will be successful in a different endeavor Me living on Long Island I have a few months of trying to make it in a new career before the safety funds run out. Any advice to the gig stuff I could do?
Crickets.
Don’t you have family money?
The system is BROKEN
No one should “have to work 60 hours or more” just to make ends meet, ffs. What dumb idiocy
“Be a slave to your employer so you can HOPEFULLY, at some point, make enough money to pay the bills and PERHAPS enjoy life in what little free time you have left.”
Yeah… no. F that :P
Also… seizing the means of production, so that FAR MORE STAKEHOLDERS in big companies’ operations, profits, and the like, get a say, not just a handful of “corporate oligarchs” at the top, wouldn’t hurt, either. Like… a handful of greedy “a-holes” at the top of each big or medium-sized company SHOULD GET TO DECIDE so much, all on their own, as if they “know best for everyone”, esp. EVERY EMPLOYEE working there?? As if… the employees- let alone average consumers and residents in the area- “don’t know jack”… lol. This is a very short-sighted approach to “economy”, if you ask me!
If the economy, more or less, is “run by” or “led by” only a HANDFUL OF PEOPLE, then… don’t be surprised when the economy, more or less, SERVES those same people, primarily, w/ the rest of us ‘getting the scraps’ of their various ‘innovations’, companies founded, jobs created, ‘growth’ produced, etc. etc.
and yet… we’re supposed to believe this VERY-LIMITED economic system (modern capitalism) is somehow “super empowering”?? rofl
What a JOKE
Ok. Do you have any suggestions on how to outperform the average person without working harder than the average person or taking more risks than the average person?
Yes! I am entitled to having a rich life with everything and anything I want just like anybody else because I’m an American. Why should I have to work hard or work more than others to get ahead. I deserve the best.
People like you or making it difficult for other people to have a good life.
Ok sorry. I will try to work less and relax more. There is an upside because that way I can spend more time with my little ones.
Related: https://www.financialsamurai.com/the-secret-to-your-success-10-years-of-unwavering-commitment/
Hey Sam,
I appreciate your articles. I negotiated a severance package because of an article of yours that I read, so thank you! My thing is that at my old company I was a very hard worker but had a bully for a boss that psychologically tortured me to the point that my performance went down. I couldn’t think clearly and got burnt out. I’m in the process of starting my own business now, but am terrified to go back to corporate if I need to. In your article “career killers” you said to know your place, but I just couldn’t take being bullied after being a star preformer so I stood up for myself and that’s when my performance went down because of my bosses ego. How do you navigate those political waters without losing it?
Nice job negotiating a severance!
taking financial advice from a obvious communist? real smart…
sure, you do indeed work too much, you shouldnt work more than 38 hours for your long-term health, but this nutjob is a self-entitled brat who thinks the world owes “a gold medal” just cos he was born in a place. ppl like him are the reason most of the world hates america. he doesnt think he should have to work for any reward, it should just be handed to him, “cos entitlement”
I’m not. I’m just being respectful and entertaining his ideas.
In 2020, I’d like to ideally work 30 hours a week to build enough capital by end of 2022 in order to retire early and spend time with my young children again.
See: https://www.financialsamurai.com/my-early-retirement-master-plan-fire-by-45/
Pathetic article. You people really have nothing better to do in your life than work? I’m a freelance programmer and I work 20 hours a week or less. The rest of my time I do my hobbies, read, meet with my friends etc. I feel seriously sorry for people who are proud of themselves working a lot. That’s just so freakin’ sad.
Not only that, but the dude admits in his first paragraph that the reason he has to work so much is because he has no skills and is committed to not learning any. Then he talks about how he’d be fired if he works less than 40. No shit, you aren’t valuable. People who work less than 40 and still have their job because they can do things you can’t do. How is that hard to understand? It’s the old American “I’m better than you because I constantly put my nose to the grindstone.” No. You constantly put your nose to the grindstone because you don’t have another option and are too dumb and lazy to create one.
^^ This
You’re a moron