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The Other 8 Hours: Maximize Your Free Time To Create New Wealth

"Pagliarini (The Six-Day Financial Makeover) refreshes a tired premise with a snappy style that helps readers prioritize their commitments and divest their energies accordingly. Simple exercises target "LifeLeeches," insidious activities that suck up free time--video games, meaningless meetings, social media, porn, and (rather bizarrely) reading and carpooling--in order to dedicate those freed up hours to make extra money, develop more job-related skills, blog for cash, expand a creative or entrepreneurial venture, or simply engage in more fulfilling hobbies. A large portion of the book is focused on becoming what the author calls a "Cre8tor," someone who does not just settle for a paycheck but creates their own financial life. Even readers perfectly at peace with their career and paycheck will find the tips and a companion Web site, featuring downloadable templates for time management and a "Goal Achievement Plan," useful catalysts for further professional and personal growth." --Publishers Weekly

The Other 8 Hours: Maximize Your Free Time to Create New Wealth


I think books are a great medium for providing timeless advice, but rules and laws can change very quickly. If you want to read my latest thinking, I write weekly financial columns for CBS, Forbes, AOL, HuffingtonPost, Tribune Media, and others. You can reach me through

You sleep (hopefully) for 8 hours. You work (at least) 8 hours. What are you doing in those remaining 8 hours of your day, and more importantly, what are the other 8 hours doing for you? To the bleary-eyed worker who doesn't have time to stop and catch his breath, the idea of having 8 hours may sound absurd. If that's you, this is your wake-up call. THE OTHER 8 HOURS provides a blueprint that will help you carve out more time in your day and find the inspiration to spend that free time in a more productive way. Whether you want to pay off debt, make more money, start a business, develop a hobby, write a blog, or write the next great American novel, Robert Pagliarini will get you closer to living a richer, more fulfilled life. In THE OTHER 8 HOURS, you'll learn how to:- GET MORE TIME: Chances are you are overworked, overscheduled, and overstressed. There's too much to do and not enough time. You can create hours of additional free time you never knew you had.- GET MORE MONEY: Traditional financial advice has likely left you frustrated and stuck. Pagliarini introduces new, highly-effective yet unconventional strategies. - GET A LIFE: In order to "get rich" you have to "get a life." The other 8 hours ultimately determine your happiness and net worth.With anecdotes and inspiration from many who have taken control of their other 8 hours, plus hands-on tools for getting started, minimizing risk, and maximizing success, you'll discover new ways to radically improve your life both personally and financially. Isn't it time to recapture your time and your life?

In The Other 8 Hours: Maximize your Free Time to Create New Wealth and Purpose, Robert Pagliarini asserts that we can take control of these hours to achieve what we want. For some of us, that might be more personal time with our families; for others it could be pursuing a side venture generating an extra income stream.

In order to maximize the other 8 hours, we need to ensure we have the time and energy to work on the pursuits we want to. Taking control of your time and identifying non-essential tasks is the first step. Pagliarini calls this PERK, which he identifies as Postpone, Eliminate, Reduce or Keep. Are there any unimportant and unsatisfying tasks that can be put off or eliminated to free up your time, such as excessive TV watching?

It outlines, how to get out of debt and develop savings, saving through mindful and good habits rather than a restrictive budget, decluttering your life, investing your saving to create wealth, and so much more!

Not all uses of time are equal, and this simple truth can make a big difference in life. People who spend their time doing more profitable work make more money. People who spend their time investing in others build better relationships. People who spend their time creating a flexible career enjoy more freedom. People who spend their time working on high-impact projects contribute more to society. Whether you want more wealth, more friendship, more freedom, or more impact, it all comes down to how you spend and value your time.

Identifying your most time-consuming tasks and determining whether you are investing your time in the most important activities can help you to determine a course of action. Having a good sense of the time required for routine tasks can help you be more realistic in planning and estimating how much time is available for other activities. Many apps exist to help you keep track of your time, as mentioned in Strategy 3.

Schedule small tasks such as drafting an email, creating a grocery shopping list, reading, watching webinars or listening to podcasts for long commutes or when waiting for a call or appointment. Capitalize on what would otherwise be time lost. Avoid nonproductive activities, such as playing games or scrolling through social media. Limit scheduled time to about three-fourths of your day to allow for creative activities such as planning, dreaming, and thinking.

Psychological studies have shown that multi-tasking does not save time. In fact, the opposite is often true. You lose time when switching from one task to another, resulting in a loss of productivity (Rubinsteim, Meyer, and Evans, 2001). Routine multi-tasking may lead to difficulty in concentrating and maintaining focus. Do your best to focus on just one task at a time by keeping your area clear of distractions, including turning off notifications on your devices, and set aside dedicated time for specific tasks.

This is a short time slot, but if you're free during those hours, you can make quite a few deliveries. If you're dashing full time, definitely take this time slot. You can take your own lunch break afterwards, before your next dash.

Respondents see a new education and training ecosystem emerging in which some job preparation functions are performed by formal educational institutions in fairly traditional classroom settings, some elements are offered online, some are created by for-profit firms, some are free, some exploit augmented and virtual reality elements and gaming sensibilities, and a lot of real-time learning takes place in formats that job seekers pursue on their own.

I can see the confusion, because at first glance, the Way of the Mustache might seem to have some contradictory rules. If a car commute is unacceptable because it wastes time, then surely we can justify buying free time in any other way possible too, right?

Thus, you will need to bust ass in a variety of areas, not just one, in order to maximize the value of your time. The $8.00 per hour Subway clerk needs to stay up late and study his math textbooks to get that business degree. But the $200 lawyer also needs to get her hands dirty mopping the floor and get some scratches while trimming the trees from the top of a ladder. Mr. Money Mustache still needs to set tiles and install new toilets into the homes of other people, even while he sets aside time to slave away over this backlit soft-touch keyboard in order to write to YOU. Even when he feels like just relaxing and watching movies instead. These balancing activities may or may not happen to generate income, but they are still essential parts of getting the maximum value from my time.

By participating in your TSP, you can save part of your income for retirement through automated payroll deductions. You can also receive matching contributions from your agency, perform some forward-looking tax planning for retirement by considering using the Roth option, and potentially grow your money for the future tax-free. But to help maximize your TSP, you should avoid these eight TSP pitfalls:

Trying to maximize your time today, tomorrow, and every day after will only lead to more time anxiety. Instead, look at your time well-spent activities and realistic schedule and decide what fits best now.

There are many opportunities to make $1,000 a month online. Some of the best ways involve using your skills as an independent contractor. There are many jobs you can do remotely, such as freelance writing, virtual bookkeeping, proofreading, and many other virtual assistant tasks.

You received a scholarship of $2,500. The scholarship wasn't received under any of the exceptions mentioned above. As a condition for receiving the scholarship, you must serve as a part-time teaching assistant. Of the $2,500 scholarship, $1,000 represents payment for teaching. The provider of your scholarship gives you a Form W-2 showing $1,000 as income. Your qualified education expenses were at least $1,500. Assuming that all other conditions are met, the most you can exclude from your gross income is $1,500. The $1,000 you received for teaching must be included in your gross income.

A tuition reduction is qualified only if you receive it from, and use it at, an eligible educational institution. You don't have to use the tuition reduction at the eligible educational institution from which you received it. In other words, if you work for an eligible educational institution and the institution arranges for you to take courses at another eligible educational institution without paying any tuition, you may not have to include the value of the free courses in your income.

You pay $9,300 in tuition and fees in December 2022, and your child began college in January 2023. You filed your 2022 tax return on February 14, 2023, and claimed a lifetime learning credit of $1,860. You claimed no other tax credits. After you filed your return, your child withdrew from two courses and you received a refund of $2,900. You must refigure your 2022 lifetime learning credit using $6,400 of qualified education expenses instead of $9,300. The refigured credit is $1,280 and your tax liability increased by $580. See the instructions for your 2023 income tax return to determine where to include this tax. 350c69d7ab

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