---
title: "Wise Money: Trading Money for Time  — Quarry Hill Advisors"
description: How does wealth provide control over time?
image: https://quarryhilladvisors.com/hubfs/Imported_Blog_Media/Trading-Money-for-Time.jpg
---

[Skip to content](https://quarryhilladvisors.com/blog/wise-money-trading-money-for-time#main-content)

[![Quarry Hill Advisors](https://quarryhilladvisors.com/hubfs/theme/quarry_hill_logo_main_hor.svg "Quarry Hill Advisors")](https://quarryhilladvisors.com/)

- Who We Help
  
  Show submenu for Who We Help 
  
    - [Corporate Executives](https://quarryhilladvisors.com/corporate-executives)
    - [Retirees](https://quarryhilladvisors.com/retirement-planning)
    - [Business Owners](https://quarryhilladvisors.com/business-owners)
- [What We Do](https://quarryhilladvisors.com/what-we-do)
- [Our Team](https://quarryhilladvisors.com/our-team)
- Resources
  
  Show submenu for Resources 
  
    - [Blog](https://quarryhilladvisors.com/blog)
    - [Resource Center](https://quarryhilladvisors.com/resource-center)
    - [Client Hub](https://quarryhilladvisors.com/client-resources)
- [Getting Started](https://quarryhilladvisors.com/getting-started)

- Who We Help
  
  Show submenu for Who We Help 
  
    - [Corporate Executives](https://quarryhilladvisors.com/corporate-executives)
    - [Retirees](https://quarryhilladvisors.com/retirement-planning)
    - [Business Owners](https://quarryhilladvisors.com/business-owners)
- [What We Do](https://quarryhilladvisors.com/what-we-do)
- [Our Team](https://quarryhilladvisors.com/our-team)
- Resources
  
  Show submenu for Resources 
  
    - [Blog](https://quarryhilladvisors.com/blog)
    - [Resource Center](https://quarryhilladvisors.com/resource-center)
    - [Client Hub](https://quarryhilladvisors.com/client-resources)
- [Getting Started](https://quarryhilladvisors.com/getting-started)

![](https://quarryhilladvisors.com/hubfs/Imported_Blog_Media/Trading-Money-for-Time.jpg)

# Wise Money: Trading Money for Time

 10.1.2023 | 1 min read

[Kyle Moore CFP®](https://quarryhilladvisors.com/blog/author/kyle-moore)

![](https://quarryhilladvisors.com/hubfs/Imported_Blog_Media/1707843104980.png)

### Quote to Ponder

“Seek wealth, not money or status. Wealth is having assets that earn while you sleep. Money is how we transfer time and wealth. Status is your place in the social hierarchy.” - Naval Ravikant

### Recommended Links

- [Valuations May Favor Value Stocks ](https://advisors.vanguard.com/insights/article/valuations-economy-may-favor-value-stocks)- Vanguard
- [Habits vs Goals](https://fs.blog/habits-vs-goals/) - Farnam Street
- [A Few Things I'm Pretty Sure About ](https://collabfund.com/blog/a-few-things-im-pretty-sure-about-0923/)- Morgan Housel
- [Congress Averts Shutdown](https://www.wsj.com/politics/policy/federal-government-shutdown-deadline-d714a1ef) - Wall Street Journal
- [This Is Not Financial Advice Film](https://optimist.co/films/thisisnotfinancialadvice/)
- [4 Types of Leverage to Supercharge Your Income ](https://ofdollarsanddata.com/the-4-types-of-leverage/)- Of Dollars and Data

### Insight

If you seek wealth to increase your social status, you will never have enough.

The real benefit of wealth, however, is control. Wealth allows you to control the one asset you have that you cannot create any more of: your time.

As Naval Ravikant pointed out, building wealth allows you to trade money for time. This point struck me the other day as I drove home from work and passed one of the many bus stops along my route. Having a car that I can drive whenever I wish takes me roughly 8 minutes to drive home.

If I could not afford a car and had to take the bus, it would take about 33 minutes, not including all of the time spent waiting for the bus to arrive. Multiplying the 25-minute difference by twice per day and 250 days per year adds up to 208 hours per year, or an extra 8.7 full 24-hour days spent commuting PER YEAR! Multiply that by 40 years of work, and you have spent one whole year of your life commuting by bus compared to by car.

Many of us take for granted having a level of wealth and income that affords us the time savings that car transport provides. But it truly adds years to your life!

Seeking wealth for social status is a fool's errand that will leave you just as unsatisfied as when you started. However, using wealth as a tool to free up your time will undoubtedly add to your happiness.

So trade money for time, not time for money. You’re going to run out of time first.

*This material is intended for educational purposes only. You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. Nothing contained in the material constitutes a recommendation for purchase or sale of any security, investment advisory services or tax advice. The information and opinions expressed in the linked articles are from third parties, and while they are deemed reliable, we cannot guarantee their accuracy.*

 Share:

[![](https://quarryhilladvisors.com/hubfs/theme/icon_facebook.svg)](https://www.facebook.com/sharer/sharer.php?u=https://quarryhilladvisors.com/blog/wise-money-trading-money-for-time) [![](https://quarryhilladvisors.com/hubfs/theme/icon_x.svg)](https://twitter.com/share?url=https://quarryhilladvisors.com/blog/wise-money-trading-money-for-time) [![](https://quarryhilladvisors.com/hubfs/theme/icon_linkedin.svg)](https://www.linkedin.com/sharing/share-offsite/?url=https://quarryhilladvisors.com/blog/wise-money-trading-money-for-time)

![Kyle Moore CFP®](https://quarryhilladvisors.com/hubfs/QH-Kyle-Moore-Headshot.jpeg)

[Kyle Moore CFP®](https://quarryhilladvisors.com/blog/author/kyle-moore)

[![](https://44727353.fs1.hubspotusercontent-na1.net/hubfs/44727353/theme/small_previous_arrow.svg)Previous Article](https://quarryhilladvisors.com/blog/wise-money-the-quest-for-meaningful-money) [![](https://44727353.fs1.hubspotusercontent-na1.net/hubfs/44727353/theme/all_posts.svg)](https://quarryhilladvisors.com/blog) [Next Article![](https://44727353.fs1.hubspotusercontent-na1.net/hubfs/44727353/theme/small_more_arrow.svg)](https://quarryhilladvisors.com/blog/quarry-hill-quarterly-review-all-that-glitters-is-not-gold)

![logo\_footer](https://quarryhilladvisors.com/hubfs/theme/logo_footer.svg "logo_footer")

#### Address

550 Vandalia St.,  
Suite 311, Saint  
Paul, MN 55114

#### Phone

612.440.0318

#### Email

[info@quarryhilladvisors.com](mailto:info@quarryhilladvisors.com)

- [What We Do](https://quarryhilladvisors.com/what-we-do)
- [Our Team](https://quarryhilladvisors.com/our-team)
- [Blog](https://quarryhilladvisors.com/blog)
- [Resource Center](https://quarryhilladvisors.com/resource-center)
- [Client Hub](https://quarryhilladvisors.com/client-resources)
- [Contact Us](https://quarryhilladvisors.com/contact-us)

- [What We Do](https://quarryhilladvisors.com/what-we-do)
- [Our Team](https://quarryhilladvisors.com/our-team)
- [Blog](https://quarryhilladvisors.com/blog)
- [Resource Center](https://quarryhilladvisors.com/resource-center)
- [Client Hub](https://quarryhilladvisors.com/client-resources)
- [Contact Us](https://quarryhilladvisors.com/contact-us)

Quarry Hill Advisors is a Minnesota-based Investment Advisory Firm registered with the Securities and Exchange Commission (SEC). Registration of an investment advisor does not imply a certain level of skill or training.

 © 2026 Quarry Hill Advisors. All rights reserved.

[Privacy Policy](https://quarryhilladvisors.com/hubfs/footer-links/QHA_PrivacyNotice_071625.pdf) [Form ADV Part 2A](https://quarryhilladvisors.com/hubfs/footer-links/QHA_FormADVPart2A_071625.pdf) [Form CRS](https://quarryhilladvisors.com/hubfs/footer-links/QHA_CRS_071625.pdf) [Disclosure](https://quarryhilladvisors.com/disclosure)

```json
{
  "@context" : "https://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "Kyle Moore CFP®",
    "url" : "https://quarryhilladvisors.com/blog/author/kyle-moore"
  },
  "dateModified" : "2025-07-01T16:39:02.678Z",
  "datePublished" : "2023-10-01T12:00:00.000Z",
  "headline" : "Wise Money: Trading Money for Time  — Quarry Hill Advisors",
  "image" : [ "https://quarryhilladvisors.com/hubfs/Imported_Blog_Media/Trading-Money-for-Time.jpg" ],
  "mainEntityOfPage" : {
    "@id" : "https://quarryhilladvisors.com/blog/wise-money-trading-money-for-time",
    "@type" : "WebPage"
  },
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "url" : "https://quarryhilladvisors.com/hubfs/theme/quarry_hill_logo_main_hor.svg"
    }
  }
}
```