Nov 1, 2022

Building Wealth In Your 9-5

— ...billionaires are not made within the structure of white-collar jobs.

4 minutes


For the longest time, there has existed an underlying tension in the discussion of the ‘creative freedom’ exercised in entrepreneurship and the ‘monotonous grind’ of the 9-5 or white-collar jobs. Even more controversial is the opinion that: billionaires are not made within the structure of white-collar jobs. 

Hence the question, can you actually grow wealth whilst working a 9-5? 

The truth is, there are several individual layers to clarify in answering the above question. 


Defining ‘wealth’ has evolved and continues to be redefined as generations pass. However, it has consistently been measured as the estimated assets owned by an individual, including stocks, real estate, and cash.  

Just as you would set goals and create plans to achieve them, it is also important to define what wealth means to you specifically. Your priority in wealth building can be measured in the growth of your network, career progress, the specific assets owned or a combination of all. All these are key factors that contribute to your wealth-building and will also serve as a measure for the success or progress of your wealth building. 

In order to build your financial freedom, start with the major pillars of personal finance including savings, budgeting, investing, and setting long and short-term financial goals. With these pillars in place, there are some extra principles that can be specifically applied to those within the corporate world.  


So, how do you build wealth with your white-collar job as a base? 

Beyond monotony and creative suppression, the issue most people have with the white-collar job is the limit which it puts on financial growth. Your savings and investment goals are built upon the strength of your income and if it is solely tied to satisfying obligations, financial freedom can suffer. 


To build wealth within your 9-5, these are two major principles that are essential for the 9-5er. They are Intrapreneurship, Strategic Career Choices, and Income Investment



These days, the route of entrepreneurship is often the most chosen path when it comes to establishing multiple streams of income. Regardless of the increased trend of CEOs and self-employed bosses, not everyone is built to be an entrepreneur or even desires to be one, but this does not exclude ‘office workers’ from joining the league of billionaires. 

Intrapreneurs are 'characterized as ‘those who take responsibility for creating an innovation of any kind within an organization.’ Intrapreneurship encourages 9-5ers to adopt the mindset of entrepreneurs within their corporate job, to include risk-taking, innovation, accountability, and other attributes we learned in school. Just as an entrepreneur would research and create ways to make their product or business profitable, the intrapreneur attracts career progression and reward by introducing new, creative, and profitable ideas to the organization. 

A popular and successful example of an intrapreneur is the former COO of Meta, Sheryl Sandberg, who, within her position initiated the plans for (Facebook) Meta Ads. Revenue growth for an organization should mean financial growth for the valuable individuals who contribute to make that growth possible.  



If your goal is to become innovative and intrapreneurial within your 9-5, the nature of your ‘office job’ is as important as your financial strategy. Of course, not everyone has the ‘luxury’ to think beyond the financial stability of having a job, but it is important to think about a career, long-term. Where you work and how you work is especially important to every area of your life, including your financial growth. 

In thinking about a career, you instantly create room for growth, in income, roles and opportunity. Aim to work for organizations that recognize and reward unique skills, provide room for the expression of creativity and innovation. 



At some point, we’ve learned or experienced that money is never enough to satisfy our wants and sometimes we give excuses why we cannot invest or save in a particular week or month. But here’s the truth, you have enough to start or fund your investments. 

Regardless of how little your income might be, stay committed to paying yourself, with your investment or savings. As you grow financially, you can make necessary improvements to your investment allocations.  

Thinking about where to start? 

Here are two investment products you can start with: GDL Income Fund and GDL Money Market Fund. 

With the Income Fund, you can create a stable stream of income without dividing your attention between multiple jobs. The Income Fund is a low-risk, mutual fund aimed at preserving your principal, while delivering a steady stream of current income, on a monthly or quarterly basis. 

The Money Market Fund allows you to execute your financial goals with the little you have. Grow investments that empower you to build a sizeable portfolio and emergency fund, even while you continue to satisfy your obligations.  

Click here to take the next step into financial growth. 

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