Money vs Hard Work: Why One Doesn’t Equal The Other

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money vs hard work

If you’ve been hanging around these parts for a while, you’ll know that I often talk about the external factors which contribute to our money mindset. In this post that mindset issue is money vs hard work. The way in which we approach our finances has so much to do with how we grew up understanding “the way the world works”. What is really problematic with this is that we hold on to ideals and beliefs that have been passed down from generation to generation. Why is this a problem? Well, the world changes.

These days, drastically. The word “industrious” is so steeped in the history of revolution and laborious work. You grow up holding on to the idea that the secret to success and making money is hard and honest work. This is an incredibly limiting belief that may be holding you back from reaching your goals. Let’s take a look at money vs hard work and why one doesn’t equate to the other. I want to take you through some of my own opinions and thoughts on this matter, which I hope will resonate with you and help you to see the opportunities and possibilities available to you.

Money Vs Hard Work: It Limits Your Money Potential 

money vs hard work

Holding on to the limitation that money must be earned with hard work and hard work alone, means you’ll never stop exchanging hours for dollars. You’ll put a definitive price on what your time is worth. Putting a limit on what you can earn this way, will stop you from seeing so many opportunities. I really believe that you must have your eyes and heart open to see and accept these opportunities. Can you take a wild guess of what needs to change? Yep, you guessed it, your mindset. Like most things, it is the way that we look at it that matters.

I want you to open yourself up to the idea that money can literally flow from anywhere and everywhere. It doesn’t have to have anything to do with how hard you work. This is something that the richest people in the world understand better than most. Passive income is said to make up the majority of their income. Meaning that we don’t need to work harder, we need to work smarter. The idea that you have to work yourself to the bone to make money is old-fashioned, outdated and so limiting when we look at the plethora of opportunities that are available to not only the elite but to every single one of us. 

Start to attract and bring in true abundance and I guarantee you’ll start to see so many more opportunities.

Money Vs Hard Work: You’ll Self-Sabotage 

money vs hard work

Constantly equating hard work and money is going to cause you to self-sabotage. We can develop an unhealthy opinion of ourselves which can have negative effects on not only us but also our businesses. Even thinking that money vs hard work has a correlation can be dangerous. You may find yourself undercharging customers and clients as you have put a value on hard work that isn’t based on anything but a limiting belief. Similarly, you may be too afraid or feel too unworthy of asking for a raise, or just raising your prices (after all if you’re a business owner that control is in your hands).

I also think that external influences on TV, the internet and in books have shown us time and time again these “success” stories of the underdog who declare that hard work, working long hours and immense sacrifice are all a part of “paying your dues”. This mindset and belief ignore that there is any other way. If something seems too easy or good to be true, your brain is probably going to signal to you, that it is.

This is holding you back tremendously! It’s funny (and unfortunate) that we don’t question more where our beliefs come from. The sky is blue….you have to work hard for money, said with the same conviction. It’s only when we take a moment to ask ourselves firstly, where did this belief come from? And secondly, do I really believe it to be true? – we may start to unravel our limiting beliefs. When you know that money can come easily into your life without strain or sacrifice, you’ll be open to seeing all the simple ways that you can bring in more income.

Quantifying Hard Work 

money vs hard work

If how hard we work equates to how much money we make, it would be difficult to determine what you were worth compared to someone else. Everyone has their own views and perception of what hard work is based on their own experiences and opinions. How much money you deserve doesn’t have anything to do with how hard you work. Don’t get me wrong, I value a strong work ethic and dedication to all aspects of life. However, using this as the only way to determine what you’re worth doesn’t make sense and will more than likely give you a skewed view of what you are worth in comparison to others. 

In order to figure out what you are worth, you need to have a clear idea of your value outside of “hard work”. There are so many factors to consider especially if you work for yourself. Here are just some of the things to consider when trying to establish what your services are worth: 

  • The value you are providing for your customer
  • The time and energy they are saving them
  • The benefits your customer has from hiring you that they would not have had if they didn’t

Remember, Money isn’t Finite 

money vs hard work

We grow up with this sense of urgency that there is only a certain amount of money, jobs, and, gosh, even partners for us. Money isn’t finite. There is enough for everyone. You are not destined to only make a certain amount of money in your life. There isn’t this limited amount that is preordained for you. If you open yourself up to receiving money, you’ll see that money flows. This leads to the topic of manifesting money. Manifesting really challenges the money vs hard work mentality in every aspect so be sure to read that post!

Final Thoughts…

money vs hard work

Discarding and unlearning ingrained beliefs isn’t always easy. It forces us to question the way that we perceive our lives and the things that are in them. Just like wondering whether money vs hard work are really correlated. My goal for My Bulletproof Budget was always to teach other female entrepreneurs that there is more to budgeting than strategy and spreadsheets. That we shouldn’t need to apologize or change who we are in order to gain financial freedom and the life we deserve.

We can’t get there without these important shifts in our mindset. You do not have to work your hands to the bone until 3 am or until you cry to live abundantly. It is all there for the taking. I have loads more useful information regarding budgeting and mindset on the Bulletproof Blog. Not only that, I offer free resources to help you get started and take back control of your finances. Plus if you’re looking for personal or business support? I got you there too. Check out How to Work with Sarah, and if you’ve any questions, shoot me a DM on Insta! That’s where I hang.

I’m Sarah


On a mission to change the world of finance from stuffy suits and guilt-trips to a place of understanding supported by solid strategy; I have personally journeyed from homeless teen mom to ass-kicking CEO and now my work centers around empowering women like you to do the same.

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