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Money Never Sleeps, So Why Should You?

Updated: 09/14/2020 by Financial Samurai 35 Comments

Money never sleeps, so why should you?

Money never sleeps, so why should you? Well if you’re a regular ‘ol person, the answer is, “There’s more to life than just money,” and “If you don’t sleep, you’ll die.” 

Sure, those are fine answers but they are not very insightful. Hopefully you’re a personal finance reader who by virtue is interested in money.

So let’s first talk about the general meaning of money never sleeps. Then I’ll go a different route in answering the next question, if money never sleeps, why should you?

What Is The Meaning Of Money Never Sleeps?

There’s a saying that “Money never sleeps” since money can always be working for you no matter what time of day. Money will also find itself in the most lucrative of investments and flee from the most horrific.

There are opportunities out there to make money every minute of the day. Some of the most successful people latch onto this reality and work every waking minute they can muster. Or they find ways to make money by hiring the right people to work for them and generate a profit.

In addition, or alternatively, they find ways to generate wealth through passive income. This is my favorite way to earn money and a perfect example of why money never sleeps when executed well.

Thus, since money never sleeps, and you want to make money, why should you sleep either?

Money Never Sleeps
Money Never Sleeps – Seize The Day!

Long Days And Nights Hustling

Here’s a relevant work story of mine about giving up sleep to make money from back in 2011. One evening after coming home from a 14-hour-day at 9:30pm due to a client dinner, I got back to work, online work that is.

I had a conference call with Mumbai scheduled for 11:30pm. Then I had another scheduled with London at 6:30am the next morning.

Normally, I would be OK with these one-off conference calls. However, this was the 8th consecutive workday in a row I was getting home after 8pm and I was beginning to tire.

I was pissed because the guy who was supposed to call me at 11:30pm didn’t call until midnight. I hate egregiously late people. It’s disrespectful. Meanwhile, my conference call at 6:30am went 30 minutes over and I had to then go to into work.

My client wasn’t willing to stay 1 minute past 5pm in London (9am PST) to resolve an issue and pay for my services. As a result, I didn’t close the deal, which left me annoyed. 

He said that I’d have to wait until Monday, which was baloney since I bent over backwards to accommodate his schedule. I will likely never work with him again given how painful the process was.

Why can’t people be on time and do what they are supposed to do? Why can’t folks just provide a little bit extra? If everybody did their duties well, the world would be a much better place. But, you know what? I’d rather have something going on than nothing. Things were too quiet for a week during Thanksgiving and I was itching to get back into the fray.

Make It Count When It Rains

Everything ebbs and flows. You can be on “the bench” for months, and suddenly you’re staffed in a faraway place working 12 hour days for 6 months straight.

This is what happens to consultants from firms like Accenture and IBM Consulting. It’s important to understand business cycles. For example, new budgets are often created at the beginning of the month, and at the end of the year pressure is on to sell.

It’s during robust periods and peak seasons when you’ve got to work full throttle to generate business. In many businesses, the peak season is what makes or breaks the year. The hotel leisure business is a great example.

It would be great if we could all balance our workloads out more evenly. This is part of the reason why I think there’s a benefit of working just a couple hours on the weekends as well. That way, there’s not a massive rush on Monday and cessation on Friday.

Instead, we can spread things out more evenly, and lead more balanced lifestyles! The best time to work to maximize your profits and boost your career is when nobody else is working.

Money Never Sleeps, So Make It Work Harder For You

Every day I try and seize the moment as much as possible. I will never forget starting with nothing, therefore I will never take any opportunities for granted.

In addition, I will continue to utilize the best financial products to grow my wealth. Money never sleeps, so I encourage you to make your money work harder for you.

Utilize free wealth management tools to track all of your financial accounts in one place, budget, and plan for retirement.

Some of you may have workaholic tendencies and have a hard time finding balance. There are literally too many things to do once you build your momentum. You become a rolling magnet that gathers up more and more little magnets until you turn into this giant rolling ball of attraction.  

But it’s important not to push yourself to the breaking point and burn out. You’ve got to pick and choose the most interesting, helpful, and lucrative projects.

For the things you can’t handle, know that there is someone else who would probably find value in them. Refer your friends to your clients! It’s a way of paying things forward.

There won’t be failure due to lack of effort. I encourage you to hold the same belief. Money, success, love are all there waiting for you to grab them. Aim to do at least 1-3 productive things each day and have no regrets.

Related: Waking Up Earlier May Make You Richer, But Not Happier

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You can track your net worth, analyze your investment portfolios for excessive fees, and run your financials through their fantastic Retirement Planning Calculator.

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Planning for retirement when paying for private grade school
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Filed Under: Motivation

Author Bio: I started Financial Samurai in 2009 to help people achieve financial freedom sooner. Financial Samurai is now one of the largest independently run personal finance sites with about one million visitors a month.

I spent 13 years working at Goldman Sachs and Credit Suisse. In 1999, I earned my BA from William & Mary and in 2006, I received my MBA from UC Berkeley.

In 2012, I left banking after negotiating a severance package worth over five years of living expenses. Today, I enjoy being a stay-at-home dad to two young children, playing tennis, and writing.

Order a hardcopy of my new WSJ bestselling book, Buy This, Not That: How To Spend Your Way To Wealth And Freedom. Not only will you build more wealth by reading my book, you’ll also make better choices when faced with some of life’s biggest decisions.

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Comments

  1. PASCU says

    July 17, 2014 at 2:00 am

    – better under pressure
    – got to win
    – mentally focused
    – paper chasin
    – get rich or die trying
    – Background Favorite Music (money motivational)

    Reply
  2. marissa says

    January 6, 2012 at 9:21 pm

    Its amazing to see team building like this. I have seen the darker side of this tho. i used to be available 24-7 to team until it felt like a line had been crossed and i want answering emails in Mexico at my friends wedding.

    Thats when i started cutting back and delegating more to the team lead instead.

    Reply
  3. Little House says

    December 21, 2011 at 10:52 am

    When I get crazy busy, I try to prioritize. I make a list of all the things that need to get done and decide what must come first. If I can share the work load, then great. But most of the time I try and manage it all myself then crash and burn when all has been accomplished. I think I’m a bit of a control freak – it’s hard for me to relinquish responsibility.

    Reply
  4. My University Money says

    December 20, 2011 at 8:22 pm

    I am way too impatient with late people. I realize that I need to tone this down, because I’m not going to change them, and it just hurts my focus in the short-term. However, like you, this frustrates me to no end. Essentially what they’re saying is, “My time is much more important than yours.” When my basketball players are late to practice, we all run. Depending on how late we are, there is sometimes vomiting involved. Needless to day, no one’s time is more important than the team’s for very long! I wish everyone played for a similar coach at one time or another, maybe they’d have learn some useful life skills.

    Reply
    • Financial Samurai says

      December 21, 2011 at 8:29 am

      I LOVE that attitude, “WE ALL RUN”! That’s right, team baby. It’s so selfish being late. After 15 minutes without a notification, it really starts to grate on me.

      5 minutes early is on time people!

      Good job coach!

      Reply
  5. Dannielle @ Odd Cents says

    December 20, 2011 at 9:54 am

    Time is so precious and once it’s gone, you can’t get it back. Unfortunately, other people do not care about your time and the things that you have to do. When I’m focused on a project, I do not move from my seat. I ignore the telephone and people talking around me. If I have a rough day at work, I go home and get into bed and relax. I find that my body “tells me” when I need to take it easy and I try to listen. It’s one thing to be overworked and another to be overworked and ill due to stress.

    Reply
    • Financial Samurai says

      December 20, 2011 at 10:45 am

      I hear you Dannielle! Nobody’s time is more important than their own, so we need to be greedy with our own time, yet respectful with others.

      Getting sick due to stress is terrible.

      Reply
  6. JR says

    December 20, 2011 at 8:36 am

    Great post! I think that organization is key under stress. Whatever your method of organization. I think that helps to triage/prioritize the pieces/parts into more easily managed bits. The smaller I can make those bits, I find the faster I am able to accomplish them. Not only individually but collectively. Outline-form is my method of choice. Makes the tasks appear more workable and functional.

    As far as the de-stressing, exercise; whether running, walking, yoga or whatever else. It gives me something else on which to focus my attentions. Additionally, I am able to not hold job-related stress after leaving. Whether from the place I swipe in or from our more passive-income source.

    I try (some days very hard) to focus on my ‘sphere of control’; those things on which I have the most direct effects. Anything outside of that sphere I have to accept as beyond my control, even though I may influence some things indirectly. Some days just taking a slow breath and striding w/ purposeful intent is a challenge.

    Reply
  7. Financial Samurai says

    December 20, 2011 at 7:50 am

    Eh? Frozen grapes is the treat and reward? Tell me more! I thought grapes are low calorie and delicious?! I love grapes!

    Reply
    • Financial Samurai says

      December 20, 2011 at 12:54 pm

      Oh wow, awesome! Do you keep the skin on our no?

      I get grapes at least once every two weeks and will try it out!

      Reply
    • Financial Samurai says

      December 20, 2011 at 8:10 pm

      K, thx for the tips! My favorite grapes are the Kyoho grapes. They taste like grape candy. The best!

      Reply
  8. Robert @ The College Investor says

    December 20, 2011 at 12:01 am

    I’m just come to accept what my job entails, and the stress – as a result, I am pretty stress free at work. Even during the busy holidays, I just accept that people will destroy my store and I have to fix it! Thanks for keeping me employed!

    Reply
    • Financial Samurai says

      December 20, 2011 at 7:54 am

      Lol, sounds good! Remind me again what your job entails?!

      I would LOVE to be stress-free at work with not a care in the world.

      Reply
  9. Srinivas says

    December 19, 2011 at 7:13 pm

    Sam,

    I’m learning one thing about my productivity. It occurs in 30 minute spurts. Now it’s a matter of infusing as many of those 30 minute spurts into each day as possible and paying attention to when the occur so I take advantage of them. AS one of the commenters above mentioned good organization skills are important. But sometimes you just have to power through. I have a commitment I made to an author who has just released her book to write a guest post for her. It needs to be on my blog tomorrow morning and I haven’t started. My parents asked me to join for a family friend’s dinner and since it’s a birthday of their son who is my friend, it would be rude not to go. So what does that mean. It means coming back, staying up until I finish the post and getting it done. There might be a day when I need her help and like you hate people who are not punctual, flakiness drives me crazy. Anyways, I admire your work ethic. Look forward and kick ass.

    Reply
    • Financial Samurai says

      December 20, 2011 at 7:53 am

      Hi Srini – That’s great you’re learning more about your own productivity. Each is different and it sounds like you’re going to do what works for you.

      Congrats on getting listed on the Brazen List for 20 folks to watch out for in 2012!

      Reply
  10. Marie at FamilyMoneyValues says

    December 19, 2011 at 6:44 pm

    Ahhh the work ethic!

    Life has slowed down a bit (but not too much) for me now that I am retired. However, during my career there were days I went in the office on Thursday and didn’t come home until Saturday. You do what you need to do to get the job done. Period. End of story.

    Hope you get some sleep soon Sam.

    Reply
    • Financial Samurai says

      December 20, 2011 at 7:52 am

      Thanks Marie. The good thing about hard work is that it’s OVER the next day, and usually some good rewards come out of it!

      Reply
  11. YFS says

    December 19, 2011 at 4:43 pm

    First I would like to say.. this is my quote of the month

    “I will never forget starting with nothing, therefore I will never take any opportunities for granted. ”

    When thing start to get busy for me I remain humble and thankful for the opportunity. Then I rely on my productivity software and prioritize my tasks. I use omnifocus.

    I am make myself really accessible to my clients, take early phone calls, late phone calls etc etc.

    To handle stress, I take a break and go work out. Running 5 miles really calms me down. After my run I go back to my productivity software and try to break large goals into small easy to manage goals.

    Reply
    • Financial Samurai says

      December 20, 2011 at 7:51 am

      Good attitude YFS! The funny thing about running is that I can’t! After 3 miles, I’m exhausted, even though I can play 2 hours of good level tennis no problem!

      You must be in good shape!

      Reply
  12. Untemplater says

    December 19, 2011 at 1:23 pm

    My life is a lot busier now than a year ago and I’ve had to shift priorities around. I get less sleep but try not to stretch myself too thin or my brain starts to shut down from fatigue and my productivity grinds to a halt. I use weekends to get a couple hours of extra sleep and that really helps me recharge for the next week. I also destress by going on hikes, doing yoga, and finding lots of ways to laugh and remember the important things in life.

    Reply
    • Financial Samurai says

      December 20, 2011 at 7:50 am

      If you watch torture movies that sleep deprive their victims, you won’t feel getting 5 hours of sleep is bad at all! :)

      Reply
  13. Jeffrey Trull says

    December 19, 2011 at 11:38 am

    When I get busy, I just work whatever hours it takes to get things done. This usually means cutting out all fun for at least a little while, but I don’t mind that in short bursts. I actually work best under a little pressure (it really forces me to buckle down), but I try to keep the stress manageable since this doesn’t help work actually get done.

    Reply
    • Financial Samurai says

      December 20, 2011 at 7:49 am

      Jeff, I agree. Working under pressure is very motivating!

      Reply
  14. krantcents says

    December 19, 2011 at 10:11 am

    When it gets busy, good organization skills help considerably. The old axiom was if you wanted something done give it to the busiest person. Obviously the busiest person who accomplishes the most. I am a big list person for my tasks. It keeps me organized. I was always pretty good at getting things done. It helps that I work backwards and monitor my progress when I do my planning.

    Reply
    • Financial Samurai says

      December 19, 2011 at 11:14 am

      That is a GREAT saying and so true! I’m going to do some monitoring of folks I know to discover more about whether this is the case for others.

      Reply
  15. Aloysa says

    December 19, 2011 at 10:10 am

    I am not very good with handling stress. I do okay at work (sometimes I get a little rough with lazy employees) but the worst part is that I tend to bring my work related stress home where I get on a broom and start my flying rounds. My husband doesn’t pay attention anymore because he knows what caused it. One of my NY resolutions will be “don’t bring stress home.” :-)

    Reply
    • Financial Samurai says

      December 20, 2011 at 6:53 am

      Good resolution! I shall do the same b/c I do this as well.

      Reply
  16. Newlyweds on a Budget says

    December 19, 2011 at 9:36 am

    I guess that’s one of the pitfalls in working in a client driven job, you’re constantly trying to score the deal. It’s great because you can make as much as you want depending on how much you put into it. But it’s hard to realize sometimes when you just need to walk away.

    I don’t have that kind of a job–my job ends at 5 most days and I go home and do what I want to do. I know this doesn’t work for a lot of people, but I like it.

    Reply
    • Financial Samurai says

      December 19, 2011 at 10:22 am

      Yep. It’s kind of like an eat what you kill type of environment. The harder you work, the more you will make.

      I would rather make $50,000, but have the upside to $500,000 if I work real hard, than make $100,000 for example.

      Reply
  17. Financial Samurai says

    December 19, 2011 at 8:35 am

    Awesome man. I hear you 100%. With that attitude and work ethic, I have no doubt you are going to do awesome!

    Building team spirit at 10pm+ when a project is due is very real. Makes the accomplishment all the sweeter!

    Reply
  18. KC @ PsychoMoney says

    December 19, 2011 at 8:30 am

    If it doesnt get done it doesnt get done. When things get overwhelming I am pretty good at prioritizing the things that I really want in life and letting the others go bit. I am not perfect or anything but I dont let the things get to me.

    Reply
  19. Sunil l Entrepreneurship & Personal Finance says

    December 19, 2011 at 7:56 am

    things used to get crazy busy but not so much anymore. i think overtime one can “control” the pace of life and everything else that comes with it. the less dependent / reliant you are on external stimulus (could come in any form – in your case work) the easier you can do away with it and not let it bother you.

    there are other things however that cause “stress”, such as a friend or family member going through difficult times, but those are unavoidable circumstances, and ones which i feel are truly what worth bending over backwards for

    Reply
    • Financial Samurai says

      December 20, 2011 at 6:53 am

      Yes, you are probably right. Need to say ‘no’ more and be more zen-like and move on.

      Reply
  20. cashflowmantra says

    December 19, 2011 at 5:40 am

    When I get crazy busy, I have to simply focus on one task at a time and make a list with target times for completion. To unwind, I will usually try to golf and ignore the world for awhile. Taking a day off is great for me mentally.

    Reply
    • Financial Samurai says

      December 20, 2011 at 6:52 am

      I need to learn how to ignore the world for a while. It really takes effort! One at a time, I like it.

      Reply

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