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Your Most Valuable Asset

Updated on January 3, 2009

A new day

Time. Every morning we wake up, and the clock is ticking. Another day has begun (or is it just slowly ending?) For most of us, we choose to be startled awake by an alarm clock at a specified time carefully chosen by us the night before. Secretly (or not), we hate the damn thing. It "alarms" us, warning us of another day at the office or the plant or on the road or a fast food joint or worse.

And although we hate it, we opt to spend 8-10 hours of our day, five days a week (sometimes more), at our jobs. We will continue to do this into our old age, finally retiring at or around age 65 (I'll keep to the standard retirement age for the sake of this hub, but we all know what really happens). In the end, we'll work about 90,000 hours.

Now we finally get our time back. But we'll be old. So what's the point? We'll be older, we'll have less time left, and we'll be on a fixed income that does nothing to afford us all of life's wonderful adventures. What a great way to spend our time. Work your whole life for someone else, struggle to get by, then finally retire on even less money. Funny thing is, when we've reached the end of our lives, when we're on our deathbeds, I doubt any of us will be thinking "Gee, I wish I would have spent more time at work, I really miss that place!"

It's insane the things we invest our time in. You can replace a dollar, but you cannot replace yesterday.

The Cash Flow Quadrant

E = employee   S = self employed   B = business owner   I = investor
E = employee S = self employed B = business owner I = investor

What is your time really worth?

If you've ever read Robert Kiyosaki's "Cash Flow Quadrant," (and you should) you know that most of us (95% of the population) are on the left side of the quadrant, trading time for money (but only 5% of it). Meanwhile the other 5% of the population are kicking back- think of those people you see at the golf course on a Tuesday afternoon- but still somehow manage to make enough money (the other 95% of it) to live in that great big house on the hill. So what's the deal? How come they are able to leverage their time?

Before he retired, Bill Gates was making ridiculous money. It was something crazy, like $8,000 every step he took. Mr. Gates is no better than you or I, and in fact he has the same 24 hours we all do, so why is it this college dropout gets paid so much for his time?

As of right now, my employer tells me how much my time is worth. They tell me when I can take my break, my lunch, and when I can go home. And no matter how much education I get - a masters degree, a PhD, whatever - their is a cap to how much they are willing to pay me. So how can I determine how much I want my time to be worth? I can't. Not working for someone else.

In the U.S., 6 out of every 7 millionaire's is from a foreign country. You know why? Because they aren't taught to come over here and get a job. They come over here with the intention of owning their own business. And they are succeeding.

In his book, "The Next Millionaires", Paul Zane Pilzer, a very accredited source (he served on two presidential campaigns as economic something-or-other, and predicted the boom in the housing markets in the 90's), predicts that over the next ten years (the book was written in 2006), their will be 10 million more millionaires. He even tells what industries and sources these millions will be made in. Now don't get me wrong, I'm not all about the money. I couldn't care less about the money. I don't even want the money. I want the things money provides. I want the lifestyle that money provides. I want my time back.

Now it's entirely up to you what you choose to do with this information. I can't tell you how much your time is worth. I can't make you read the books. Just remember that yesterday is gone forever, and that your time is your greatest asset. I'm sure there are other things you'd rather be doing with it, and other people you'd rather be spending it with.

So what do you think?

Would you like to see more hubs like this one?

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    • Lgali profile image


      9 years ago

      very nice hub

    • ParadigmShift... profile imageAUTHOR


      10 years ago from San Jose, CA

      Thank you for the well wishes. But actually, i'm not doing it on my own. I am working with a group of people who share the same goals for succes as I do. Association is a key part of success. Learn from people who have the results you want.

      Besides, "Any dream you can accomplish on your own, is too small." - paraphrased from John C. Maxwell

    • countrywomen profile image


      10 years ago from Washington, USA

      I hope you are doing well in your entrepreneurial venture. I have lots of respect for people who have the guts to withstand the pressures of building an enterprise on their own. Of course the flexibility of having time/schedule on our hands is an invaluable perk to have. As they say an ordinary person looks at difficulty in every opportunity an entrepreneur looks at opportunity in every difficulty.

    • ParadigmShift... profile imageAUTHOR


      10 years ago from San Jose, CA

      Ofcourse. The reality is that business ownership isn't for everyone anyway. If I could find some way to work for a company that treated people the way they should, and to allow them the freedoms they should, I would gladly be an employee there. But up until this point I haven't found any such company yet.

      So naturally I have developed the entrepreneurial bug, and am working toward somehow building a passive income, so as to get my time back. Some people are perfectly happy working. In fact, I probably won't ever stop working. I'll just be doing what I choose, when I choose.

      I don't mean to offend anyone who is working, happy or unhappy. I simply hope to encourage those looking for another way.

      No matter what a person chooses to do, time is still our greatest asset.

      Thanks for the comment CW! I always love hearing from you! You're work and your opinion are highly respected (and anticipated).

    • countrywomen profile image


      10 years ago from Washington, USA

      PS- Although it maybe true that 6/7 millionaires are self employed business owners. But the flip side is that their is a certain stability about jobs which makes the majority of people like me work for some one else. In fact this was once mentioned to me by the Quixtar/Amway people to sell me there pyramid scheme. To be a owner isn't for everyone and surely it isn't as relaxing too for many when 24X7 one has to worry about so many variables and some of them maybe beyond his/her control. I am not pessimistic but just trying to be realistic as far as these things go.


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