Working More Hours Is Keeping You Broke — Here’s the Truth

Let me get straight to it…

Working more hours is not going to fix your money problems.
Not now. Not ever.

I know that sounds crazy—especially when your entire career as a healthcare professional has taught you the opposite.
“Pick up more shifts.”
“Grab a weekend gig.”
“Get that next certification and maybe… just maybe… you’ll climb out of debt.”

I believed it too.

But I’ve got two students who did everything the right way. Eight years in the game. OCS. Extra certs. Multiple jobs. 60–70 hour weeks. And after all that?

They barely made a dent in their student loans.

In fact, one of them started at $225K in debt—and seven years later, that number was still $219K.
Seven years of grinding. And only $6K off the principal.

Y’all… that’s not progress. That’s a trap.

You don’t have a debt problem. You have an income structure problem.

Let me tell you the truth nobody in your profession is saying:

“Your time is not scalable. And if your income is tied to your time… your income is capped.”

Those two students? Once they stopped trying to work more hours and started building assets, everything changed.

Within 2 years, both of them were completely debt free.
And 2 years after that?
One was living in their dream home in Cali. The other? Waterfront property in Florida.

What changed?

They stopped trading time for money—and started building assets that generate income without them being in the room.

What the heck is an asset?

Here’s the simplest way I explain it:

An asset is anything you build once…
…that delivers value to others…
…and makes you money without depending on your time.

That could be a digital course, a coaching program, a community, even a digital product. Heck, for me, one of my first "assets" was a weekend workshop that I turned into an online product.

Right now, I’m writing this while sitting outside one of my office buildings. That building is a physical asset. But what I’m talking about here? These are digital assets.
You build it once—and it works for you 24/7.

That’s what my students did.
They took what they already knew as healthcare professionals, packaged it into something that helped people, and made it available online.

Now their bank accounts grow whether they’re treating patients or not.

“But Greg… I don’t have time to build an asset.”

And that right there is the problem.

Because if you don’t change your income model, you’re going to be stuck in the same cycle 5… 10… 15 years from now.
And when the next emergency hits—or your body breaks down from burnout—there won’t be anything there to support you.

You’ve already maxed out your hours.
There are 168 hours in a week.
You’re using most of them.
So tell me this: How much more can you really work?

It’s time to stop trying to squeeze more income out of time…
And instead learn how to create value that lives beyond you.

Much love,
Greg Todd

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