Now's your chance.

Make meaningful improvements to your finances every week.

Now's your chance.

Make meaningful improvements to your finances every week.

You’re Not Going to Make Money Without Doing The Work


I am reading a book called The War of Art by Steven Pressfield. I read this book before, and I didn’t like it. However, it was suggested to me that I read it again. This time around, my opinion of the book was completely different. I think, looking back on it, I had read the book too early in my life. I needed to be a few months older, and more mature in my career to really appreciate it.

Since I started working on Listen Money Matters, I’ve learned a lot about personal finance. I learned how to save money, how to budget, how to invest, how to get out of debt, and a whole slew of other important things about money. However, there is one thing that still perplexes some, and even myself, and that’s how to MAKE money.

How do you make money?

As I write this, I’m sitting in a Starbucks. I’m writing. I’m doing work. I don’t feel inspired to write this, I just have to write because I’m sitting at a Starbucks with my Laptop among college students. I showed up, I put on my gym shorts, I’m here to work.


I think I figured out the secret to making money. Like Steven Pressfield says in his book, just do the work.

I’ve spent a lot of hours talking about personal finance on the podcast, and it baffles me when people ask about investing. I believe some still want to know “the secret” to making money in the stock market. They want the easy way. They want the money now! I know this because I used to be this way. This is why MLM schemes are so popular. This is why I’ve been suckered by so many. I’m always looking for the easy, fast buck.

There is no easy way. You have to do the work.

I get asked about investing in real estate. There are people making money by buying properties and renting them out. Sounds so easy. Sure, just buy a house! Get that 20% down, renovate, be a landlord. Do you know that it takes work to do that? It takes some serious capital! I’m not saying you can’t or shouldn’t do it, but remember…There is no easy way. You have to do the work.

If you want to invest and make more money, it all starts with work. You have to show up at your job, you have to create that thing to sell, you have to record a podcast, you have to do SOMETHING to get that paper. If you think that there is a secret, if you think that you’ll buy your way into riches (via a lottery ticket or a winning stock), you’ll be extremely disappointed that you wasted all that time chasing an invisible prize.

Stop looking for the easy way. You have to do the work.

It’s so easy to spend money. In today’s world, a swipe of plastic can allow you to have anything you want. Debt is so easy, and it’s so available. That’s why so many people are in debt. It’s fucking easy!

Buying a stock is easy, buying a lottery ticket is easy, playing blackjack is easy.

Budgeting is hard work! Getting out of debt is hard work! Making real money is hard work! Sounds like if it’s hard, it’s probably worth doing.

Don’t do it because it’s easy, do it because it’s hard. You have to do the work!

Subscribe and have your financial mind blown.

Get all the things that are free and awesome, in your inbox.

It's about time you got your shit together.

  • I think “doing the work” is the “easy” way. It all comes down to your definition of ease. For me, it’s much easier to do the hard work and make enough money than to always be struggling with the hardship of not making enough.

    • Matt Giovanisci

      Maybe we should clarify. I think people should stop doing the WRONG kind of work. They work to beat the stock market, they work to find sleazy ways to make a quick buck. What they fail to do is work to pay off their student loans or credit card debt. They fail getting promoted or a raise or a new job. They fail at budgeting. They fail that all of these things that require work because they hear about someone making money in the stock market and they see it as a lottery ticket.

      Sure, getting into the market takes work, but there is better work to be done with much better results.

  • Gero1369

    Great article. I agree that lots of people don’t want to do the work involved in making money (all too often, myself included). This also comes to many other aspects of life. People would all too often pay someone to come in and clean their house or fix some easy plumbing issue or other relatively minor thing instead of learning something new and doing it themselves (not to mention save a bit of money).

    • Matt Giovanisci

      More importantly, I see a lot of people just looking for the quick buck with investing, when they are still in debt and get paid very little from their jobs. My advice is to step up your game at work, ask for a raise, pay off that debt, work to make your money, THEN make your money work for you.

  • Excellent post! I wrote a similar quick blog post about this at http://chiphutchison.com/make-it-easy-now-or-later/#more-1346

    I like to say that “Easy” and “Hard” are a pair that come together. You can not choose one without taking the other. However, you can start by choosing one NOW knowing that you have to take the other LATER.

    So the question to ask yourself, do you want EASY now, or do you want EASY later?

    As Andy Stanley at http://andystanley.com/ says; “Later is Longer”.

    Keep up the good work!


  • There are no short cuts, but we can delay our wealth by wasting too much time trying to “not work” to be rich. Most people do not become rich until later in life, it takes consistent time and effort. The sooner you start the work, the sooner you reach the finish line….or don’t do the work…I’m sure it will magically work out for you.

  • Hi Matt,
    Great little post from a starbucks! I heard it once said 10% of life is what happen to you the other 90% is what you make of it!