There are three types of income.

Earned income ( i.e from biashara or employment) Passive income (from rentals) Portfolio income ( I.e from shares, stocks)

The last two are what we are all supposed to work hard for. That's how our earned money will work for us even when we aren't working. Earned income is the most taxed income.

Always ensure you convert your earned income to passive or portfolio income.

The government taxes the income you work hard for more than the income your money works hard for.