Why You’re Not Financially Free, Part 2

Why you are not financially free? Because you are not using your time as wisely as you can And time is the only true currency. Everything else can be multiplied.

Welcome to part two of a billion about why [you’re not (yet) financially free](https://www.reddit.com/r/passive_income/comments/kdpw1f/why_youre_not_financially_free_part_1/). This time it’s about time to discuss the rarity of *time.*

Every day when you wake up, the clock starts ticking. You have approximately 23 hours and 56 minutes until the earth completes its rotation, and you start this maddening cycle all over again. Knock off 6-8 hours for sleep, 9 hours for a regulars workday along with a commute, another hour-and-half on each side of that for breakfast, dinner, and hygiene, and your precious 24 hours is now reduced to about five to six hours (plus whatever extra time on the weekend, if you have them). If you’re a parent or have other similar obligations, well, that’s going whittle away at your chronic wallet, as well.

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In your best scenario, your only true currency is now running at 25% efficiency. And one day this currency will cease to payout. It could be tomorrow, or a month from now, or two decades down the road. God only knows.

Here’s a decent mental yardstick: How often do you find yourself bored? Truly, I cannot remember the last time I experienced boredom in the past decade. Between adulting, networking, and whatever creative projects I’m currently working on, there is never enough time in the day.


If you are a wage slave or piddle your time away with something as fleetingly satisfying as gaming, internet forums, social media, attention-seeking, shopping, gossip, or online dating, you are wasting literally months of your only true currency. One of the reasons I am so adamant about not working a 9-to-5 is that I am absolutely covetous of my time.

Although real estate will probably be your top choice for passive income due to the array of tax benefits, it costs a crazy amount of time to start (not to include marketing costs to more effectively find deals, especially if you are in a highly competitive market). One of the reasons why I decided to go the [promissory note route](https://www.reddit.com/r/passive_income/comments/kd1vnk/partnering_and_promissory_notes_for_passive_income/) to financial freedom (passive income exceeding expenses) is because it requires the least amount of *time*.

It actually works best if you are starting with a job. Because your only focus is on saving (or getting creative with leverage) until you have enough for your first note. Then, as you have more monthly income each month, it’s easier to secure your second note, and so on and so forth.

You, beloved, need to be exceedingly jealous of your time. Be wary of how it is wasted. Use wisdom when spending it. Measure it. Block it off by, at the very least, half-hours. Be as efficient as you possibly can with it. For if you truly have a heart to be financially free, time must be a top priority in your life.

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