A man fed up with “being on someone else’s schedule” has revealed how he retired in his thirties and his five tips for making money in his sleep.
These days, Vijay Singh only works when he wants to—and he says anyone can follow in his footsteps.
The Midlands resident makes seven figures a year through his sourcing business but his team mostly runs it.
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He also has a passive property portfolio worth £2m, which he built from scratch with no cash fund from The Bank of Mum and Dad.
To help others give up the grind, Vijay has shared his top advice.
“I got fed up with being tied into working a normal 9-5 schedule,” the dad, who has a one-year-old son called Rohan with wife Pav, 34, told Absolutely Business.
“I hated being on someone else’s demand and schedule.
“Now I am financially free enough not to work again, so technically, I am retired – I just work when I want to.
“My business can run without me because I have systems and a 12-strong team in place.
“I’ve been to 16 countries since semi-retiring.
“My wife and I love travelling and we’re grateful that we’re able to do this without worrying about finances – or work.”
Vijay was 23 when he purchased his first home for £105,000.
In 2025, he owns 20 homes – his portfolio is 95% passive.
Here are Vijay’s top five tips for making money in your sleep.
INVEST
He said: “Get into a good habit of investing from an early age.
“One thing I regret is not putting money into a stocks and shares ISA when I hit 18.
“Any returns you make are tax-free and so it’s one of the most predictable ways of building long-term wealth.
“Absolute no-brainer.”
Vijay also advises putting your money into property – as it’s one of the “safest” assets.
He added: “You’ll get paid passive income [from the get-go] and through appreciation of the home [there’ll be a big pot when it comes to selling].
HIRE AND DELEGATE EFFECTIVELY
For Vijay, being able to release the reins to his business is vital – and so is hiring the right people for the job.
He said: “You can outsource pretty much every task these days.
“Whether it’s through virtual assistants or freelancers that can handle the day-to-day, while you focus on the more important and fun things in life.”
EMBRACE TECHNOLOGY
In today’s world, the business owner says technology must be embraced – not feared – if you want to succeed.
If you can set up an automated system to do the job – do it.
Don’t continue with the same usual routine just because it’s easier in the short term.
Vijay said: “There’s so many softwares that do a lot of the heavy lifting for you, [which can help with workflows].
“This allows for you to work smart, not hard.”
CREATE RECURRING REVENUE
Don’t rely too heavily on new business – create regular business instead.
He said: “This is getting more and more popular.
“Create memberships, subscriptions or cloud-based services where you get paid consistently without chasing new sales.”
KNOWLEDGE IS POWER
Vijay’s most important tip is to always look for ways to learn.
He added: “My advice to people who want to retire early is to learn, educate yourself about money – and how to make it.
“There’s such fantastic information out there on places like YouTube for free.
“Knowledge has never been so widely accessible, so you have no excuse.
“You can start a side hustle with just a laptop and phone these days.
“I’ve been in situations where I haven’t had much money.
“Now, though, I’m doing fairly well.
“Money is a tool and having that tool solves a lot of problems – and is often the answer to freedom.”
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