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How To Get Rich With a Normal Job

By | Andrew Lisa |

A rock star salary does not guarantee wealth. Whether you earn a little or a lot, when you blow it all, it’s all gone. The good news is that for every spendthrift who squanders a fortune, there’s a regular person with a regular salary who gets rich by living small, saving diligently, investing wisely and embracing an attitude of frugality and financial restraint.

A six- or seven-figure salary doesn’t always lead to a six- or seven-figure net worth, but real wealth is within reach with the income that you’re pulling in right now if you use it — and don’t use it — wisely.

RichVintage / Getty Images
RichVintage / Getty Images

No Matter Your Income, Wealth Starts With a Budget

Whether you earn $30,000 a year or $300,000, you’ll wind up living check to check if you don’t take a steady inventory of what’s coming in and what’s going out.

If you want to live rich, build a foundation of financial accountability by creating a household budget.

“A budget is a roadmap for spending within given income thresholds,” said Brad Biren, a tax and elder law attorney in Des Moines, Iowa, and founder of

There’s no shortage of money management apps that make budgeting easy and intuitive, including:

  • Mint
  • YNAB (You Need A Budget)
  • PocketGuard
  • Goodbudget
  • Stash
  • Honeydue

Luddites, of course, can use an old-fashioned spreadsheet or go really old-school by taking pen to paper.

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