Make Your Money Work For You

Justin Zhuo Yan He
3 min readOct 17, 2021


My own illustration

It is a common saying in today’s world that “if you want money, you need to work for it”. True, putting in your time and effort at a job or business is one way to make money, but it is not the only way. So many people neglect the other way to make money: investing in and holding wealth-generating assets.

If you look at the wealthiest people in the world, all of them derive their wealth from owning assets, most commonly through ownership of businesses in the form of stocks or private equity. Those of immense wealth generate the vast majority of their wealth through the capital appreciation of the assets they own. They also benefit from the cash flow they receive from those assets.

And the magic of it all is when the world’s richest receive cash from their assets, whether from dividends or distributions, or from selling off their assets at a profit, they often reinvest this cash into acquiring more assets to generate even more wealth. Instead of trading their time for money, they use their money to generate more money. They make their money work for them.

In contrast, many today only follow the formula of work generating money, and neglect the other formula of money generating more money, thereby missing out on many opportunities to grow their wealth. Instead of investing the money they earn in stocks, real estate, or other assets to grow their wealth, they instead spend that money on consumption.

But in order to maximize your wealth accumulation potential, you need to invest your money. If you rely only on the money you earn from pay packages, you will not become as wealthy as if you invested that money you earned into assets that can grow in value and/or provide you with additional streams of income.

Even if you’re a business owner, your business will grow faster if you reinvest your profits into expanding your business and improving efficiency and productivity, rather than distributing the profits to yourself and spending it away. It takes work to grow a business, but it also takes money to grow a business. Put that money to work and make it work for you.

Remember that money is powerful in that not only can it be used to purchase consumable goods and services, but it can also be used to acquire assets that can generate even more money for you. Investing in businesses through stocks, private equity, or startup capital can result in the money you put in growing into even greater amounts of money. Investing in real estate likewise can lead to the value of your investment appreciating, as well as providing you with an additional stream of income if you decide to rent out your real estate or use it for other productive purposes. Investing in cryptocurrencies or foreign currencies can also result in your money valued even higher as a result of your investment, and the same applies for investments in commodities such as gold. There are many different investment options you can choose from.

It should go without saying that investing successfully does require work in the form of sound research. Good judgement is also important. But unlike working at a job where you trade your time for money, there is no limit to how much money you can make from investing. When you’re trading your money for more money, you are not bound by time constraints, and making the right investment decisions will allow you to scale your wealth to great proportions.

And the more money you make, the more money you can invest, and the more money you will be able to generate. It is a truly beautiful cycle where you get richer and richer. That is the secret of the world’s wealthiest. That is the power of making your money work for you.

Go beyond working for money. Make your money work for you.

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