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how to get rich quick realistically

How to Get Rich Quick Realistically

I’m a 30 year-old bachelor that works from home and I no longer worry about money. It took me awhile but I finally learned how to get rich quick realistically.

I didn’t say a RICH 30 year-old bachelor. I’m not rich — I wouldn’t even consider myself wealthy. It is just a tool to me for when I need it. How did I do it? How can I possibly teach you how to get rich quick?


I helped my friend and his wife move out of their 1,300 square foot townhouse into a much bigger house with a whole lot of land. We rented a 26-foot diesel moving truck and packed it full of their stuff.

We were all baffled how an entire truck-full of stuff was able to fit in the condo — It was overwhelming. The entire time I was thinking to myself, “I’m so glad I don’t have this much stuff.”

When I moved, I took my computer, desk, chair, and bed. That was it. And I still think that was too much.

It costs a lot of money to have stuff. Keeping stuff in your house costs money. Using stuff costs money. Why do you need all that stuff?

If I were to take an inventory of my life, and determine the stuff I use everyday, it would be a bed, chair, car, computer, frying pan, and a french press. Those are the thing I couldn’t live without. The rest of the stuff I rarely use, if ever.

My how to get rich quick inventory

When I had this epiphany about stuff, everything changed. The way I thought about money changed dramatically: If I don’t need to buy stuff, then I will have more money.

Sounds simple, right?

Just a year ago, I worried about money all the time. I never had enough money, but I was always able to pay my bills. I had my own condo that ran me close to $1,500 a month ($2,000 with general housing expenses), a BMW that cost over $400 a month, and a bunch of stuff inside both. I needed at least $3,000 a month just to keep up with my stuff.

Then, I lost my job. I started collecting unemployment, and I needed to downgrade or else I wasn’t going to make it.

I sold my BMW and bought a reliable Honda Civic for half the price. I rented out my condo and moved in with my younger brother — reducing my monthly living expenses from about $2,000 to $500 a month. I gave my new tenant some of my stuff, and I only moved the stuff I needed to make money.

I made a mental list of what was important to me and what was not. I got rid of everything that was non-essential.

Take Away: Stuff costs money. Less stuff, more money.


Now that I was a streamlined bachelor with very low living expenses and nothing to buy, I had some available cash. I decided to pay off my credit card debt.

I made it my new year’s resolution to educate myself about money — since I spent almost 20 years being terrible with it.

I read two books: The Simple Dollar and I Will Teach You To Be Rich.

The one thing I learned was debt is the devil. Both books drilled in my head that I should be debt free. Having no debt is freedom and idea I could get behind. I did some more research to determine the right method to paying off my debt and I found the stack method. I won’t go into detail, but you can read about it here.

Debt is the devil

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While paying off my debt, I didn’t have much money to spend on stuff, which was ok because I didn’t need stuff. However, I wanted to pay off my debt quickly. I started reaching out for work by cold emailing and walking in to local businesses. I’m a skilled web designer and I knew I could make money by designing a few websites.

With unemployment and extra income, I paid off my debt in a few months. I didn’t have a ton of debt to begin with, but I’ve been sitting with it for over 15 years.

I now realized I had extra money because it wasn’t going towards paying my credit card bills — this was on top of the fact that my living expenses were much lower than they were. I found myself with a lot of extra income.

I don’t personally have student loans but I know many people who are making that dreaded student loan payment every month. From now until what seems like eternity a few hundred bucks out the window every month.

The interest on those loans will ruin you. The quickest way to pay less interest and reduce your student loan balance is to refinance. 

Companies like SoFi can dramatically reduce that rate and save you a ton on your loan. If you signup for SoFi with through us you get $200 paid towards the principle of your loan. Yeah, we’re good like that.

Take Away: No stress, no debt, uh, that’s freedom! A feeling better and longer-lasting than sex.


My unemployment checks stopped coming one sudden afternoon. I had to walk into the unemployment office and speak to someone in person. There was no one in the office but a lady behind the desk with her face buried in the computer. She called me over to her and asked for my social security number, while never looking up at my face.

She feverishly typed into her computer and then abruptly said, “you done.”

“Oh, so I’m all set? When will I get the next check?”

She finally looked up at me and said, “no, I mean you’re done. No more checks, baby.”

I was shocked, but I knew it was coming. Just not THAT soon.

I walked out of the office with a feeling of terror and excitement mixed together. I knew in that moment it was do or die. I needed to get my shit together if I wanted to continue this life I’ve built. One where I have no dependents, no stuff, and no real job with a boss. I loved it. The reason why I was a little excited was because I knew I didn’t have the unemployment safety net.

I just keep thinking of the worst case scenario. This was a very good exercise for me. What’s the worst that could happen? I’d have to get a job. That was it!

The good news was I already reduced the amount of money it took for me to survive,  and getting a job would have given me way more money than I needed. I could get a job and make too much money or work for myself and make just enough.

Having a real job would make me miserable. I liked working for myself, I liked having the freedom to do anything I wanted at any time of the day. I could stop writing this right now and go to the beach. Maybe I did, and you’ll never know. I decided to continue working for myself and see how things played out.

Turns out, I was able to do it with ease. I have plenty of money in the bank right now. And although I make different amounts each month, I have a pretty large money cushion in case the income stops flowing.

I have no debt, nothing to buy, and no pressing expenses. I am sitting here right now with enough money and all the freedom in the world. I no longer worry about money, but I am not rich.

I no longer worry about money, but I am not rich.

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Take Away: Get rid of your crushing debt. It’s like driving with your foot on the brake.

How You Will Get Rich Quick

Now that you’ve heard my little story, what does the future look like for you? Do you want to be rich? Do you want to stop worrying about money? Do you know what it’s going to take to get you there?

To recap on the things I’ve learned from my experience, I’d like to put together what I think is the perfect profile for becoming wealthy.

1. Escape The Material Mindset

We live in a consumer’s world. That’s why we even think about how to get rich quick. However, we don’t have to conform to it. Collecting stuff is just a waste if you don’t use it. You probably have a house full of useless stuff; get rid of it.

If you’re buying stuff everyday, you need to take a step back and think about it. I like to create a 30-day list on my iPhone of things I’d like to buy. If I see something in a store or online, instead of clicking buy I just put it on my list. That curbs the urge. 95% of the time, I end up not wanting it in 30 days.

I also always ask myself, “do I really need this? Will it make my life that much better?” Most of the time, it won’t.

2. Don’t Be Afraid to Take Risks

You don’t have to follow in my reckless footsteps, but there are some things you can do to be a bit risky in today’s standard. For instance, you could constantly hunt for a new, higher paying job. Some would argue that it’s risky, and you should be loyal to your employers. I say, “go where the money is, and do what makes you happy.”

Honestly, it’s really not all about money either. I’ve been on both sides of the coin, and I can tell you that you’ll live a richer life doing what you love rather than doing what makes you more money. If you can get both, awesome!

3. Debt is The Devil

Debt is the dumbest thing we’ve come up with, however, it’s a necessity of our world. The good news is, you don’t have to bury yourself in it. Too many people spend money they don’t have. This can be solved with a simple mindset change.

When I wanted to quit smoking, I made it a point to hate on other’s who smoked, just so that I wouldn’t want to become one of those people. When I’d see someone smoking, I’d judge them in my head. I’m not saying this is a healthy thing to do, but it was certainly healthier than smoking, and all it took was some simple mind-changing. Make debt your enemy. Make it being wealthy and happy worth fighting for.

If you follow these three simple principles that I’ve learned over my short lifetime, you will be explaining to others how to get rich quick, realistically.

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  • Claire Murdough

    AHA – the voice becomes the written word! Great post, Matt :)

    • Matt Giovanisci

      Maybe I should write more often. Thanks, Claire!

  • Daniel Murrell

    go get dat money

    • Matt Giovanisci

      You’re damn right I am haha!

  • Nice post…living a lean life is key to financial independence!

    • Matt Giovanisci

      Lean living is the life for me! Thanks, Wes :-)

  • I enjoyed your story; well done on foregoing materialism and paying off your debt. Great, inspirational post Matt. (For the record, I did the ‘pay off all the debt’ stuff but have a family and getting rid of stuff is not so easy).

    • Matt Giovanisci

      Thank you, Maria. It was hard to break the habit of materialism, but now I find myself really thinking about what I purchase in my life. Clean living allows you to have lots of available cash, and nothing beats that feeling of financial security.

  • Davey Pockets

    Awesome story man. Hats off to you!

    • Matt Giovanisci

      Why thank you. Never thought of it as an awesome story, but I’m glad I shared it and the praise is great :-)

  • “Get rid of your crushing debt. It’s like driving with your foot on the brake.”

    L-O-V-E I-T!!! I will be using that one. It really “drives” the point home, doesn’t it? Thanks for my laugh-out-loud / heavy-nodding-in-agreement moment of the day Matt. What a great way to start the week.

    Oh, and the rest of the post was pretty good too. Hat’s off to you.

    • Vivian F.

      I like it too! here is some advice someone else gave me

      1 – Save long enough for big purchases (car, house) so that payments plus all other expenses don’t go over 50% of net monthly income. Save the other 50%
      2 – Never EVER carry a credit card balance (unless it’s an emergency)
      3 – Every time you get a raise, automatically direct the difference to a savings/investment account
      4 – Understand the difference between a want and a need and try to indulge in fewer ‘wants’
      5 – Cut back spending on monthly expenses like cable, internet, insurance, etc. (look at $25/month auto insurance from InsurancePanda, for example)
      6 – Buy healthy foods and avoid excessive eating out. Pack your own lunches
      7 – Focus on accumulating assets. A car is not an asset. Better if they generate cash flow.

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  • CQF

    This is what realistic wealth is all about. Good read!

    Cha @ CME Capital Australia

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  • Debt is the devil, my friend. It’s impressive how reading your article allowed me to feel your newfound confidence when it comes to money and your finances.

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    very lame article, waste of time.

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  • Steve Bryoles

    Your advice really helps a lot, i have tried to live like that in the past, it really helped a lot when things were getting rough for me but it got to a point when my wife could no longer take it she left me and filed for a divorced, complaining about my lean living, things got so bad to the point when, i lost my contract with shell drilling company, a few weeks after it was awarded to me, i had invested almost all my savings in that contract, i was frustrated and thought about suicide until i came across this great spell caster’s contact, Dr Ogbunabali who changed things for me over night, he told me not to worry about the issue that he will help me regain my lost contract,i never believed at first, but after 48 hours, as he promised, i was called back by the company to commence work, i was amused at the turn of invents, now i live my dream life and happy with my wife and kids.
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        Andrew spread the testimonies of his works all over the world and let those who are not aware know of his testimonies and good works

  • jb1907

    Everyone “could” live with less stuff, but at some point, you just accumulate it. Yes, if/when we downsize we will have a bedroom and a ton of kitchen stuff to get rid of, a desk and a book case or two, but not everyone likes to live in a minimalist style, so just make sure you have enough savings to survive a job loss and don’t have debt. Then, you can live pretty cheap in whatever sized house you want and you can choose to have less stuff.

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    i am ejaz 27 years old i am suffering a bad times because i lost my job, i owe credit card balance 50000 Rupees , i owe 200000 Rupees to my bro in law , my insurance balance is renaming 50000 rupees, i lose my lover due to my bad financial position, now i pray to the GOD that he takeout my soul i am very upset i have no money my all friend and family left me because i have empty pockets, when i was good job i have full pocket all Friends and family calls me meet me but now true says empty pocket and empty belly can teach me allot of life lesson, please pray for me :(
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    1. Escape The Material Mindset

    Second sentence, tenth word needs a typo fix.

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