As an employee, you effectively sell your time. If you think about that for a few minutes, you’ll undoubtedly start forming money stress depression!

If you are not working-or are not able to work-you do not get paid. This presents a real challenge for employees who become sick or have an injury. They usually have no safety net that protects them when they are not able to work.

Successful business owners and investors, however, have passive income that comes from the products they sell or the income their investments generate. Even if they aren't working, they are making money. That is true financial security.

It's important to point out that this is different that savings, which dwindles each time you withdraw money. Successful business owners and investors create assets that generate income without them working. In fact, many times these assets grow.

Add up these three factors, and it becomes easy to see why employees, who are supposed to feel secure, have such high levels of stress when it comes to money. Conversely, many entrepreneurs and investors have low levels of stress about finances because they understand how to make money work for them, enjoy passive income that covers their expenses without them working, and have a safety net to protect them in the case of a tragic health issue.