The Unemployed Millionaire: Escape the Rat Race, Fire Your Boss and Live Life on YOUR Terms!
Shows how to replace a paycheck with income that keeps arriving without you: design a business around four freedom tests, copy proven models, sell online, buy property below retail and hand off the daily work.

Table of Content
1. Introduction
1 min 01 sec
A steady paycheck feels like safety, yet Matt Morris argues it often hides the opposite: a life that falls apart the moment the job does. In The Unemployed Millionaire, Morris, who went from sleeping in his car to running a multi-million-dollar venture, says the economy that is cutting jobs through technology and cheap overseas labor is also offering a way out. The goal is no lottery fortune. It is income that keeps arriving whether or not you show up.
His case runs on one idea. Freedom comes from a business built to run without you, and building it takes firm belief in yourself, a model borrowed from someone already winning, a cheap vehicle such as the internet or property, and other people to carry the daily work. Along the way come a one-sentence formula for positioning any business, a property rule that guards against a crash, and a team reward built around Friday movies.
2. See the risk hiding inside a steady paycheck
1 min 40 sec
A salary looks like the safest choice most people ever make. Morris asks one uncomfortable question about it, and his own early life explains why he refuses to accept the usual answer.
3. Design a business that runs while you're away
1 min 35 sec
Plenty of people quit a draining job only to buy a business that drains them more. Morris borrows a famous film director to show what separates owning a company from being owned by one.
4. Belief multiplies your skill and effort
1 min 41 sec
Two people with equal talent and the same goal often end up in very different places. Morris traces the gap to something that costs nothing, takes no training and starts with the words you say to yourself.
5. Copy what works, then position it sharply
1 min 51 sec
Waiting for an idea nobody has ever had keeps many would-be founders stuck for years. Morris argues the opposite instinct is smarter, and he backs it with Bill Gates and a delivery company everyone recognizes.
6. Start selling online with what you already own
1 min 44 sec
Opening a business once meant rent, stock and a fixed address. Morris shows how a few old items in a garage can become a first step toward products that sell around the clock.
7. Buy property below retail and profit at once
1 min 38 sec
Many investors bought homes expecting prices to climb and lost badly when they fell. Morris offers one rule for property that keeps you safe from that trap, plus an advantage you probably already have.
8. Make your business work for you
1 min 31 sec
An owner who answers every email and fixes every problem has simply built a harder job. Morris shows how a Friday reward and a global pool of freelancers can hand those hours back.
9. Conclusion
1 min 09 sec
Morris’s book works like a set of escape routes from one trap: the belief that a salary means safety and that working harder for someone else is the only road to more. His way out starts in the mind, with a certainty he says multiplies skill and effort, and ends with a business that pays whether or not its owner is in the room, the way a Spielberg film keeps earning years after release.
He is clear that money is not the whole prize. Wealth, in his telling, also lives in relationships, memories and experiences, and a business that eats every hour has failed even if it profits.
The start can be small. Write your one-sentence promise, naming who you help and how. Put one forgotten item up for auction, or ask a property seller for a price below retail. Then pass one disliked task to someone else and spend the freed hour on the bigger picture.
A man who once slept in a Honda Civic built his freedom from pieces like these, and he insists every one of them can be learned.
About this book
What is this book about?
Many people stay in jobs they dislike because a regular salary feels safe. Matt Morris argues that the safety is often an illusion, and that the same economy cutting jobs through technology and cheaper overseas labor also gives ordinary people a way to become their own boss for good. Morris writes from hard experience. A traumatic childhood, failed early ventures and a stretch living in his car came before he became a self-made millionaire at 29. His aim is not a lucky windfall but an income stream that does not depend on a nine-to-five schedule. He sets four tests for a business that delivers freedom, explains why firm belief multiplies skill and effort, and makes the case for copying what already works instead of waiting for an original idea. Readers get concrete routes in: a fill-in-the-blanks sentence for a unique selling proposition, a low-risk way to start selling online, a real estate rule for profiting at the moment of purchase, and ways to duplicate yourself through staff, freelancers and remote assistants.
Book Information
Who it's for
Employees tired of nine-to-five
Employees who dislike their nine-to-five and want a realistic path to their own income.
Overworked new business owners
New business owners whose company already consumes more hours than their old job did.
Choosing a first business
Aspiring founders weighing online selling or property as a low-cost first business.
About the Author
Matt Morris
Matt Morris started his first marketing business at eighteen and left college at twenty to work on business full-time. At twenty-one he was homeless and $30,000 in debt, and he chose to rebuild. He earned a six-figure income by twenty-four and became a self-made millionaire by twenty-nine. He has more than 20 years of experience as a network marketing trainer and leader, has spoken to audiences in over 25 countries and is a ten-time bestselling author.
Ratings & Reviews
Ratings at a glance
What people think
Listeners find the book highly accessible and excellently composed, with one listener noting it is a mandatory read for those seeking to leave the rat race. They also value its motivating nature, as one listener points out how it hits key points on life and business. Furthermore, the work earns praise for its high-caliber information, with one listener mentioning it is full of practical resources and tips.
Top reviews
Few books actually manage to stir something deep inside your gut, but Matt Morris really delivers on the inspiration front. The story of him living in his car and bathing in gas station restrooms is a powerful reminder that where you start doesn't dictate where you finish. Frankly, I found his journey into the world of network marketing and internet business to be both relatable and highly motivating for anyone wanting to escape the rat race. While the online marketing landscape moves fast, the core principles of self-development and lifestyle design he discusses are timeless. It is extremely well written and hits all the key points on how to shift your mindset from employee to entrepreneur. I particularly appreciated the specific resource lists for sales copy and management. If you feel stuck in a cubicle, this is a must-read for a mental reset.
Show moreWow, the way Matt Morris breaks down the psychological barriers to wealth is nothing short of masterful. I've been following his work for a while, and this book feels like the culmination of his best ideas on lifestyle design and financial freedom. Not gonna lie, I was skeptical about the 'unemployed' part of the title, but he makes a compelling case for building systems that work without you. The chapter on hiring virtual assistants for as low as $5 an hour was a game-changer for my small business. It is extremely well written and feels more like a conversation with a mentor than a dry textbook. Every aspiring entrepreneur should have this on their shelf, even if just for the motivational boost during the hard times. Truly a must-read for the modern age.
Show morePicked this up during a particularly rough patch in my career and found the sections on outsourcing to be genuinely eye-opening. Morris provides very specific breakdowns of what to pay virtual assistants and how to manage them using weekly status meetings, which is incredibly practical advice for a burgeoning business owner. Gotta say, I enjoyed the author's personal anecdotes about selling swimming pools and overcoming failure just as much as the tactical advice. The book is loaded with useful resources and tips, especially the recommendations for books on better sales copy like Joe Sugarman's work. My only real gripe is that some of the internet-specific marketing tips feel a bit dated now that the digital landscape has shifted so much. Still, it remains a solid roadmap for building a life of freedom.
Show moreAs someone who has been desperate to escape the corporate grind, I found the lifestyle design concepts here surprisingly practical and easy to digest. Matt Morris doesn't just talk about money; he talks about the freedom to live life on your own terms, which is a distinction many other gurus miss. Look, some of the specific website links and PPC strategies are showing their age, but the management systems he suggests for scaling a business are gold. I loved the daily reporting structure he uses for managers—it’s something I implemented in my own small team immediately with great results. The book is inspirational without being too 'woo-woo,' and it provides a nice bridge between self-help and actual business administration. It's a well-rounded guide for anyone looking to transition out of a traditional job.
Show moreThis book is a solid roadmap for anyone who feels stuck in a traditional nine-to-five and needs a serious kick in the pants. I’ve read plenty of business books, and what sets this one apart is the raw honesty of Matt’s early failures. Taking baths in public restrooms is about as low as it gets, and seeing him rise from that to becoming a millionaire is truly inspirational. The information quality is high, particularly when he discusses the psychological barriers to success and how to overcome them. I did find the section on network marketing a bit heavy-handed, as that's not really my cup of tea, but the internet business tips were still relevant enough to be useful. It’s a quick read that hits all the key points without unnecessary fluff.
Show moreIf you can look past the slightly dated internet marketing advice, there’s a goldmine of mindset shifts tucked away in these pages. I especially liked the section on how to structure communication with a team; the four daily questions for managers are brilliant and simple. In my experience, most business books are either all fluff or too technical, but Morris finds a nice middle ground here. The book is loaded with useful resources, and even the parts about MLM are handled with a level of professionalism you don't always see. It’s an easy read that manages to be inspirational and practical at the same time. Whether you want to be a millionaire or just want more time with your family, the lessons on lifestyle design here are worth the price of admission.
Show moreEver wonder if the author should have stayed away from the recording booth? I tried listening to the audiobook version first, but the narration was so distracting that I eventually had to switch to the physical copy to actually absorb the message. The truth is, the content itself is a bit of a mixed bag. Some of the strategies regarding virtual assistants and PPC ads are helpful, but other sections feel like a standard 'think positive' manifesto you've seen a dozen times before. It’s a very easy read, almost too easy at times, and the paper is surprisingly thick, which makes you feel like you're flying through it. It isn't as groundbreaking as Ferriss’s 4-Hour Workweek, but it’s a decent enough primer for someone brand new to the idea of lifestyle design.
Show moreThe truth is, this feels like a very polished entry into the 'think and grow rich' subgenre that we have all seen a hundred times. Morris is clearly a pro at what he does, and his enthusiasm is infectious, but the actual business models—MLM, real estate, and internet marketing—are presented in a fairly predictable way. To be fair, I think this book is most helpful for someone who needs a major mindset shift rather than a step-by-step technical manual. I struggled with some of the more basic advice, like 'just believe you can,' which feels a bit oversimplified in today's economy. However, the formatting makes it a very easy read and it’s well written enough to keep you engaged until the end. It didn't change my life, but it was worth the afternoon it took to finish it.
Show moreFinally got around to finishing this, and I’m left with mixed feelings about the actual implementation of his strategies. On one hand, the author’s story is fantastic and serves as a great reminder that persistence pays off in the end. On the other hand, a lot of the 'secrets' shared are just common sense wrapped in fancy packaging. Personally, I found the specific book recommendations for advertising and copy to be the most valuable part of the whole thing. It’s a typical self-development book in many ways—good for a boost of confidence but lacking the deep technical dive I was hoping for. If you want something that doesn't make you think too hard but keeps you moving forward, this is a perfect choice. Just don't expect a magic bullet.
Show moreNot what I expected given the hype surrounding Morris’s reputation in the network marketing world. While I can appreciate the rags-to-riches story of him living out of his car, the rest of the book felt like it lacked a unique hook. It is basically a summary of several other popular wealth-building books combined with some outdated advice on Ezine advertising and faux book covers. I honestly felt like I was reading a long-form sales letter for a lifestyle that is much harder to achieve than he makes it sound. If you are brand new to the concept of making money online, you might find some value here, but for anyone who has read more than two books on entrepreneurship, this will likely feel repetitive. The writing is fine, but the substance just wasn't there for me.
Show moreQuestions about this book
What is the main idea of The Unemployed Millionaire?
Matt Morris argues that a regular paycheck offers less security than it seems and costs you personal freedom. His alternative is a business designed to run without your constant presence, so income keeps arriving while you focus on the big picture or live where you like. He combines a mindset of certain belief with practical routes such as modeling successful competitors, selling online, investing in real estate and outsourcing daily work.
What are Matt Morris's four criteria for a business that brings freedom?
Morris says the business should be built on something you love, let you live wherever you want, run on autopilot and earn money even when you are not there. He illustrates all four with Steven Spielberg, whose passion for filmmaking never felt like work and whose finished movies keep earning in cinemas, on DVD and on television long after he made them.
How do you write a unique selling proposition, according to the book?
Morris offers a fill-in-the-blanks sentence with four parts: your business name, its category, the core audience it serves and the main benefit it delivers. Walmart, for example, is a department store that helps people spend less on everyday goods. He advises tying the promise to just one of speed, quality or price, and making it clear and distinct, the way FedEx became linked with overnight delivery.
What is Matt Morris's advice on real estate investing?
Morris warns against counting on prices to rise, pointing to investors in Las Vegas who owed more than their homes were worth after the 2008 crash. His rule is to buy below retail so you profit at the moment of purchase, and to ask sellers to negotiate. He also suggests using your knowledge of your own neighborhood, finding mentors and telling people you know that you are in real estate.
How can I start applying The Unemployed Millionaire?
Begin small. Replace negative self-talk with positive statements of what you want. Study someone who already has the result you want and copy their method. Try selling a few unused items on an auction site such as eBay to learn online sales. Then list the tasks you dislike or lack time for, and hand one to a freelancer, a remote assistant or a team motivated by a reward.
Readers also enjoyed
AUDIO SUMMARY AVAILABLE
Listen to The Unemployed Millionaire in 15 minutes
Get the key ideas from The Unemployed Millionaire by Matt Morris, plus 5,000+ more nonfiction titles.
- 5,000+ titles
- Listen as much as you want
- 7-day free trial
- Cancel anytime



















