The Best Investment In The World: You!

The Best Investment In The World: You!

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Of course, as an investor, you are always on the lookout for new opportunities to invest the hard-saved as much as possible in the best investment. What many overlook: you or your workforce is your most valuable asset and it pays to continue investing and developing it.


  • Your lifetime income: 1 – 2.3 million euros
  • A study pays off with 35%
  • How to make yourself the best investment ever
  • 5 concrete examples of how to increase your value
  • Summary and conclusion
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Your lifetime income: 1 – 2.3 million euros

In the course of your life you will make a lot of money. Humans tend to underestimate what regular amounts account for over a very long period of time. That also applies to our income. Even with an average salary, a lot of money goes through our hands over the course of life.

The Institute for Employment Research (IAB) has determined how high life incomes averaged over education:

It is clear that the higher the education, the higher the average income. What you intuitively knew from the outset is confirmed here by bare numbers: education is worthwhile.

A study pays off with 35%

Let’s do a short rough calculation to get a feel for how much:

We assume that the student life costs 1000 € per month . After Adam Riese makes 12,000 € per year and with a standard study period of 5 years so 60,000 € . That’s your investment, so to speak. Furthermore, I assume that you have completed the Abitur and are currently faced with the choice to look for a job or to complete a degree. According to the above statistics, studying at a university will cost you around € 740,000 more .

I discount interest now (as I said, rough estimate) and these € 740,000 will be gradually paid out over the next 35-40 years of your working life. That means on average you get 21,243 € more each year (35 years of work) than if you did not study.

It follows:

21,243 / 60,000 = 0.35 or 35% return

Of course, in this example, I’ve made it a little easier and made many simplifying assumptions and also a lot of the thumb on the bill. And of course, not every study pays off equally. We’re counting on averages here.

But I want to show you with this example, education is always profitable. And so good, there is still plenty of room for heuristics and rules of thumb when estimating.

Interim conclusion: If education is so incredibly profitable, then it makes sense to invest in it. And this is exactly where we will start.

How to make yourself the best investment ever

Maybe you have already studied or you are just out of your age, what can you do then?

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No problem, there are many ways to increase your value. First, however, as with any investment, you must understand how to differentiate a good investment opportunity from a bad one. Because you want as much bang as possible for the buck.

For this you have to approach the business entrepreneurial.

First and foremost, you should take the point of view of your customer . This is simply your employer, to whom you sell your workforce. Because nothing else is the employee’s life. I do not mean that negatively, that’s just how it is. You are not sitting in your chair to be off the street, but because somebody is paying for you.

And as with any business owner, it’s important to know what your customers want. In the ideal case, you already know what your customer is looking for your current and all other potential employers and have an idea to that effect. And if not, you’re practically at the source! Find out what your customer wants. Sometimes this is easier than expected and just asking to get you there already.

Next you should look at competitors , ie your equal or similar qualified colleagues. Are there people with your abilities like sand and sea or are you indispensable because you can do something nobody else can?

The principle here is simply supply and demand: if you are interchangeable, then naturally you will not be able to call high prices.

Third, think about how you can add value to your employer. Because this way you make sure that your educational measures are also of interest to your customers and only then is he willing to pay you for them.

5 concrete examples of how to increase your value

1. Learn another language!

Relatively expensive but with the right language at the right place you can become indispensable. Just imagine you are able to bargain with a foreign-language client of the company or just you have a clue what that means in these papers.

If you can communicate with people, then you are the mediator between the worlds. The chances that this will pay off sooner or later are very good.

By the way, did you know that with only 20% of the vocabulary of a language you can master 80% of the situations? This is the so-called Pareto rule . Use it!

Start with a beginner’s course and work your way up to level A2. This is relatively fast and can also be purely in your application (emphasis is on advertising). If you stay tuned you will reach the level B1 after some time from which you can master familiar situations in everyday life.

If the courses cost you 2000 € and you only earn 25 € more a month, this equates to:

(12 * 25) / 2000 = 0.15 or 15%

A nice return, right?

2. Make further education!

Return Technique probably the best investment ever. Why is that? Quite simply: A training is usually very interesting for your customer / employer, because this is usually very related to its needs. And he’s more likely to pay more for that.

Furthermore, you stand out from your competitors, because each additional qualification makes you a bit special. And something that does not exist on every corner gets higher prices. As simple as that.

For example, if you spend 2000 € on a marketable (see point 4) training and you can negotiate 50 € more salary because of this, this results in a return of:

(12 * 50) / 2000 = 0.3 or 30%

Better than daily money or?

We can go a step further and maybe convince our employer to pay us for the qualification. Then no matter how much more you earn afterwards, your return is infinite!

3. Stay fit and be balanced!

This investment does not pay directly in monetary terms, but indirectly. I think we agree that we see a physically fit constitution as a prerequisite for contentment and balance.

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My opinion: The more balanced you are, the more efficient you are. And whoever is more efficient will achieve a better price in the long run. That is, if you spend some money on sports or leisure (of course, on a reasonable scale), it can also be a kind of investment. Daring thesis but not completely dismissed.

Treat yourself now and then to something, if it really helps you to go fitter or more relaxed through life.

4. Learn to actively market yourself or your workforce!

An important point that is often underestimated. There is no point in offering the greatest product in the world if nobody knows about it and you do not try to get the best possible price for it. That’s why you also have to communicate regularly which new added value by which new qualification you create for your customer.

If you have trouble speaking, think about investing in a rhetoric course or presentation class. It will pay off in any case, be it in salary negotiations, meetings or otherwise.

5. Collect experiences!

What your customers will always reward is experience. Even if it is not a money investment in the classical sense, sometimes you just make an investment without knowing it.

Everyone has ever dared to do something in the form of time and / or money and was wiser in hindsight, regardless of whether it worked or did not work out.

For example, when creating Homemade Finance, I learned a lot about setting up a website, which will benefit me in other projects and ideas.

Invest or risk something from time to time to gain experience. I’m sure it paid off sooner or later.

Perhaps experience is the most profitable investment ever, but it’s hardest to figure in numbers.

Summary and conclusion

In this post I have shown you 5 concrete examples of how you can increase the value of your workforce. Of course, this does not only apply to employees, but also to self-employed, freelancers or farmers.

With education returns are possible, which I certainly do not find in the long term on the stock market. For me it is only logical to diversify and see my education not only as a personal enrichment but also as a lucrative investment.

The greatest lever is as I have now repeatedly emphasized the education dar. Here, each euro pays you (something considered) there reinsteckst again.

If you’re wondering if the expense of education is worth it, just ask yourself if it’s of interest to your client / employer what you do and if you can get more money for it. In most cases, just a few more euros are enough to make the money invested, for example, in a language course or further education, the best investment in the world.

And what would be the alternative? To leave it on the money account ? Certainly not with quasi-negative interest rates .

So start investing today in the best investment in the world: yourself!