Lewis: hourly wages will always have a ceiling on how much you can earn. But there are other ways to make your money multiply, even if you aren't in the position to invest in those higher ticket assets like real estate right now. And one is looking into stocks, bonds, IRAs, index funds, mutual funds, and even a 401k. These don't require a huge amount of money upfront and they compound over time. So just like savings, the most important thing to remember when trying to making your money multiply is to be consistent as the key.