The rat race and passive income: how to get out
The rat race is the state where all your income goes on expenses and you have to keep working. This overview shows what that means and what the way out is made of — the same thing you can try in the Ferrata game.
This text was created or edited with the help of artificial intelligence and passed human editorial review before publication. Always verify figures, prices and terms against the current conditions of the specific provider.
What to weigh up
- The rat race means that without a payslip everything collapses — and as income rises, so do expenses. How many months would you last without the next one?
- Passive income is money that arrives without your work — dividends, rent, interest. Do you have even one such source today?
- The line is simple: passive income exceeds monthly expenses. How far from it is your number today?
- There are three levers — lower expenses, more assets, reinvested returns. Which one is least used in your case?
Try it yourself
Step 1 of 3
How long could you last without a monthly paycheck?
What to work out before you decide
- 1.One number: monthly passive income against monthly expenses. Without it there is no saying where on the route you are.
- 2.What happens to the difference when your income rises — whether it disappears into expenses or ends up in assets.
- 3.Whether you want to take the returns out or reinvest them. You can walk the whole route safely in the Ferrata game.
You can live through this decision
In the “First Job” track you reach the same choice — and see where it takes you a few years on.
This is not financial advice. Numbers are illustrative and for educational purposes only. Always verify current conditions with your provider before making any financial decision.