How to Get Rich with NET Time

MichaelAutomation, Education, Habits, How to, Misc23 Comments

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“There’s just not enough time!” is a phrase I hear all too often.

But, if there’s one thing that is equal among all of us, it’s that there are 24 hours in a day for EVERYONE.

So, why does it seem like some people are able to accomplish 10X’s more?  Are they smarter, or faster than you are?  It’s possible but unlikely.

People that are able to accomplish the seemingly impossible are typically masters of time.  They know how to leverage their time to get the most “bang for their buck” and this translates directly into tangible results and a list of accomplishments that anyone would envy.

Today I’d like to share with you one specific trick from the masters of time that I use constantly.  It’s called:

NET Time


NET Time is a fancy and fun way to describe adding in an additional activity into an existing chunk of time simultaneously… hence, “no extra time” required!

Yes, I know you can walk and chew bubble gum at the same time, but that’s only scratching the surface.  🙂

Here are some real life examples of NET Time that I have, and continue to employ.  I suspect you may just be doing some of these yourself already… but, I guess I shouldn’t really be surprised (most of you are already overachievers).

Before I get started, it’s important to know WHY you’re doing something.  Determine your OUTCOME first and then figure out if your action is going to move you closer to that specific outcome.  Since my title is How to get RICH using NET Time, we’ll focus on those activities which feed financial well-being.

Car/Commuter University

commuter carThe average commute for Americans is 24 minutes to work (one way).  Multiply this by two and you’re spending 48 minutes of your day in your car!  If you work just 5 days per week, that’s 4 hours per week lost to your daily commute.  It’s time to claim this back.

Now that I’m retired, I no longer have a daily commute.  But, I still find myself traveling to places all the time.  Whenever I’m able to, I do my best to feed my brain with great ideas.  In fact, I’ve been doing this for the past two decades and I can easily attribute a ton of my knowledge gain while sitting in my car.  What did I listen to?  Here’s a quick sample…

And SO MANY more…

Oh yeah, I also listened to these programs over and over again because each time I listened to it, I made new distinctions and solidified existing knowledge.

Even to this day, I still keep several audiobooks and seminars readily available.  And don’t forget, today you can easily access a ton of information via podcasts for free!


Workout University


So, this one is just a spinoff of Car University.  But, you can easily apply the same exact strategy while you’re working out!  The best activities you could integrate this to are running, bicycling, hiking, etc.  All you need is a small MP3 player and some headphones to make your aerobic exercise more interactive.

Catch Up with Work in Line

I can’t tell you how many people I see in line just staring off into space!  What are you looking at?  Thinking about?

I hate waiting in line like most people, but I don’t let this stop me from being productive.  Especially in this digital age of smartphones, it’s super easy to catch up on simple and quick tasks while you wait.

Renew your library books, review your banking transactions, check your credit score, email a friend, read a book, or catch up on some work emails.

I’d go so far as to tell you make some calls too, but I might be annoyed if you were standing next to me.  🙂

Work During Your Kid’s Activities

Here’s a case in point.  If you know you’ll be waiting somewhere like your child’s dance class, use it to your advantage!  I’m writing this blog post at our local community center as my daughter is taking a 45-min hula class.


I knew this was coming up and have been bringing my laptop every class.  Over the last few weeks, I’ve written a few posts and caught up on some comments all while waiting.

Bridge Time Gaps at Your Local Coffee Shop or Library

As a former IT consultant, I had to schedule clients back-to-back.  However, depending on the nature of the call, I could be done in 10 minutes and then have an hour or two before my next appointment.  Usually, I’d book my appointments in the same general vicinity, so it didn’t make sense to go all the way back to the office.

Instead, I would bridge the time gaps by dropping by a local coffee shop, or library.  As you know, there’s a Starbucks on pretty much every corner these days and free Wifi readily accessible.  So, why not catch up on some work, or learn something new while you wait?

I literally learned the entire mechanics of financial accounting for my business during bridge time at my local library.  This not only helped me to manage cash flow for my business but for my personal accounts as well.

Shower Power


So, you don’t need to be working towards your goals 100% of your free time.  In fact, it’s probably good practice to take a step back each day, get some perspective and breathe a little.  And that’s why it’s great to use your shower time for introspection.  Not only will you get cleaned and feel refreshed physically, but you can also recharge yourself and prioritize for the day to come.

Take this time to understand WHY you want to become rich, and find gratitude all around you.  Remember, getting rich is 80% psychology and 20% mechanics.

Mentor Meal

Have you been meaning to network with someone successful and “pick their brain”, but haven’t had the time?  Well, I’m pretty sure that he/she has to eat just like you do.  Consider asking them out for a meal.

You both get to eat, but also have time to connect personally and learn about their specific success.  You should definitely pay for the meal, but your time with them could be worth many times more.

Working with a mentor is one of the quickest ways to get RICH.  To find out why check out my post How to Find a Money Mentor.


Final Thoughts

I honestly don’t know where I’d be today without NET Time.  It’s a strategy that I identified early on, and a habit that I chose to do consistently.  Ultimately this has made a major impact leading to my own financial freedom and feeling RICH in many areas of my life.

I LOVE NET Time, and so should you!

Readers, which NET Time strategies are you already using?  Which ones are, or would be the most impactful to you?

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Hi, I have been blessed to take an early retirement in my mid-30's so I can focus on becoming a better father, blogger, and investor.

My goal is to help you find your personal path to financial freedom, and to enjoy the entire journey.

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23 Comments on “How to Get Rich with NET Time”

  1. That is a great concept which delivers great results. I agree with you, NET Time can be a huge differentiator. There never seems to be enough time in the day, but it allows you to get some of it back. I’ve actually never heard of it referenced to as NET Time before though, but I shouldn’t be surprised it has a name.

    I utilize some of the tips you laid out but not all of them. The biggest piece of NET Time I utilize is while mowing (Mower University) and the aforementioned Car University. I have about a half hour commute each way. I usually listen to the daily WSJ audio edition to work and an audiobook or phone calls on the way home.

    1. GS, the first time I heard about the actual term was from Tony Robbins. I had already been using it to some extent decades prior, but adopted the term.

      Mower University sounds like a great institution! You must have much larger yard than I do. 😉

  2. You’ve living one efficient life, Michael.

    I like to listen to music when I exercise, so there’s not much learning going on there, and my commutes are very short and often by bicycle.

    I ‘m no master of N.E.T., but I do like to enjoy a good beer while soaking in the hot tub at the exact same time. Does that count? How about mentally planning my fantasy football lineup while my wife is telling me all about her day? [Kidding!]

    I suppose my best actual dual use of time is reading while traveling. I can cover a lot of pages on planes, trains, and automobiles without taking time out of my travel days.


    1. Haha, PoF… I’ve got another acronym for the wife’s rants! That’ll have to be another post someday (when I’m sure the wifey isn’t reading).

      Traveling and working is a great example of NET Time.

      Love your hot tub and beer idea. You just need to add in some Shark Tank and you’ll be all set. 😉

  3. This post reminded me how happy I am to be reducing my commute! Right now, I commute about 3 hours per day, and while I’m getting a lot of audiobook and podcast listening in, there’s not a whole lot else you can do while driving.

    Cheers to more NET time!

    1. Pia, I’m glad to hear you’ll have a reduced commute soon! I can’t even imagine 3 hours per day. Glad to hear you used NET Time well to your advantage. 🙂

  4. Podcasts have made it really easy, but I’m looking to get away from the shorter form and into more audio books and free online university courses. They can go deeper and I’m trying to stay away from the podcasts that are more ‘talk radio’ than highly researched experts sharing their field.

    1. Good comment, Brian. I have noticed that over the last couple years, some podcasts are certainly watered down in content. They go for the quick “hit”, which is why I also like audiobooks better. I like your idea of accessing free online university courses over a podcast.

    1. Yes, watching TV is a huge time sink! So, I do my best to use NET Time with TV too.

      Last night I cleaned a room, folded laundry, and watched Shark Tank. I think that’s a lot better than vegging out on a couch. 😉

  5. Very nice time management tips. Working during the kids activities is one that I do. Either I read a book, or I write some posts. I have a few done like that. You gotta love Wifi out of the smartphone.

  6. Thank you for categorizing this concept, Michael. I have been doing it subconsciously for years, and the term that I used to label it, Maximization, didn’t quite describe it well enough.

    Aside from Car and Mower University, Housework usually affords me a great opportunity to catch-up on podcasts. I have even implemented Shopping University, if you will, from time to time.

    Time is certainly the great equalizer, and I have realized that the primary reason for most of my successes in life is my ability to use time better than most others.

  7. My phone is a great source here. I reply to my clients. I reply to my comments. I research the best version of X I want to do or buy. I use it. My 40 hour a week job has me listening to the news and informative or entertaining podcasts for the entire time. I double use my time whenever feasible.

    1. You sound pretty efficient, ZJ! Gotta love smartphones these days. Being a techy I had the earliest handheld devices (anyone know what a Newton was?), so it’s awesome to see what people can do on their phones today. Having said that, a lot of people also find ways to suck away time with them too without any tangible benefits (ahem… Candy Crush).

  8. These are great habits to practice when you have a moment of NET time. So often I see people waiting in line or wherever and immediately launch into social media (Facebook, IG, etc.) in order to just kill time. I think it takes practice, but using our smartphones efficiently can allow us to accomplish so much more as you point out.

    One practice I’ve established is to put in my work outs during my lunch hours. Instead of enjoying a relaxing, sometimes extended lunch break like I used to, I hit the gym or go for a run. Then when finished, I eat a quick lunch at my desk. Total time spent is a little longer than a normal lunch, but I find that I save time overall by not driving in traffic after work to an overcrowded gym during peak hours.

    1. Nice, OB! That’s perfect that you’re able to get into gym during your lunch hour. Sounds much more efficient than fighting the normal busy times. 🙂

  9. Thanks for the suggestions.

    I have also eliminated a daily commute which adds so much time to my day to do something productive.

    Now I spend the time running kids to and from activities. And while I’m waiting for practice to end, I can read blogs, post to social media, or even write my own articles.

    I use exercise time to clear my head as I work better when I can write things down which is tough when you’re running.


    1. FS, I like how you note exercise time can be used as another window to clear your head (similar to shower power!). It doesn’t really matter how you do it, so long as you can capture multiple results at once.

  10. I’m new to utilizing the commute, but for the past few months, I’ve been listening to BiggerPockets podcasts on real estate investing in the car… love it! Great use of time every morning and afternoon for me.

    Joe @ just turned me onto Planet Money, which is also a pretty interesting one as well.

    — Jim

    1. Nice, I like the Bigger Pockets podcast too, Jim. Just by listening you’ll increase your investor vocabulary. I haven’t heard about Planet Money, but I’m interested to check it out.

  11. This is an interesting idea. While multi tasking doesn’t always work, there are some activities that work well with trying to do more than one thing at once, such as our commute or certain chores. I listen to podcasts during my commute and doing the dishes which helps me maximize that time with something I enjoy!

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