How Teachers Can Plant Part of Their Salary and Build Another Source of Income
Your salary does not have to end with your monthly expenses—learn how planting a portion of it can help you work toward another source of income.
Instead of using every cedi you earn today, what if you could plant part of your salary and allow it to work toward creating another source of income in the future?
To plant money from your salary may be a simple idea, but it can change the way you think about your income and your financial future.
Teachers and educators regularly reach out to Smart Teachers Avenue with questions about money.
They appreciate the financial education shared on the platform, but many of their questions go beyond simply saying, “Thank you.”
They want to know how to manage the money they receive.
How can they make their salary more meaningful?
How can they invest part of what they earn?
And how can a teacher who depends mainly on a monthly salary begin building an additional source of income?
According to a recent Smart Teachers Avenue video, one important principle teachers should understand is simple: learn how to plant your money.
Watch the Smart Teachers Avenue video that inspired this discussion:
What Does It Mean to “Plant” Your Money?
In the video, Smart Teachers Avenue uses an agricultural illustration to explain how teachers can think differently about their salaries.
Imagine having a seed.
If you consume the seed immediately, you may satisfy a need today, but you lose the opportunity for that seed to grow into something larger.
But if you plant it, nurture it and allow it to grow, that small seed may eventually produce something that can be harvested.
The video uses this idea to explain money.
A salary can be used entirely for immediate needs, or a portion of it can be set aside with the intention of creating future value.
The message is not that teachers should stop spending money on their responsibilities.
Rather, the emphasis is on learning to plant a portion of whatever salary you receive.
Your Salary Amount Does Not Have to Be Perfect
One of the important points raised in the video is that the principle applies regardless of how much a teacher earns.
Whether the salary is relatively small or large, the speaker encourages teachers to think about setting aside a portion of their income for investment.
The idea is to avoid waiting until you are earning a particular amount before you begin thinking about planting money.
For example, the video gives illustrations of teachers whose take-home salary could be around GH¢3,000 or GH¢5,000.
The question then becomes:
How much of that money can you deliberately set aside to plant?
The amount could be GH¢500, GH¢1,000 or GH¢2,000, depending on the individual’s circumstances and what they can realistically commit.
The specific amount is not the main message.
The important question is whether a teacher is intentionally putting aside a portion of their income with the aim of creating future value.
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Don’t Consume Everything You Receive
A salary can disappear quickly.
There are household responsibilities, transportation costs, food, school-related expenses, bills and other needs competing for the same income.
That is why the idea of planting money requires a deliberate decision.
If every cedi that enters your account is immediately assigned to present consumption, there may be nothing left to build with.
The Smart Teachers Avenue video encourages teachers to develop a different mindset.
When your salary arrives, don’t only ask:
“What do I need to spend this money on?”
Also ask:
“What portion of this money can I plant?”
That small shift in thinking can change how a person approaches their monthly income.
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How Much Can You Plant From Your Salary?
The video specifically invites teachers to think about an amount they would be interested in learning how to invest.
It mentions possible amounts such as:
- GH¢200
- GH¢500
- GH¢1,000
- GH¢2,000
The purpose of these examples is not to suggest that every teacher should invest the same amount.
A teacher earning GH¢3,000 may have very different financial responsibilities from someone earning GH¢5,000.
Instead, the video asks teachers to identify their own amount.
How much of your monthly salary would you genuinely like to plant?
That is the starting point for the conversation.
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The Next Question Is: Where Do You Plant It?
This is where the Smart Teachers Avenue video takes the discussion further.
Some teachers may understand that they should save or invest part of their salary but still have another question:
“What exactly should I do with the money?”
The speaker explains that there are different ways to plant money and encourages teachers to identify a strategy that matches the amount they are prepared to commit.
Rather than giving every teacher the same answer, Smart Teachers Avenue is asking teachers to state how much they want to plant.
For example:
“I want to plant GH¢500 every month.”
Or:
“I want to learn how to invest GH¢1,000 every month.”
Or:
“I can commit GH¢2,000.”
According to the video, teachers can then receive guidance based on the amount they identify.
The idea is to make the conversation more specific to the individual teacher rather than treating every financial situation as if it were the same.
The Goal Goes Beyond Investment
There is another important part of the message.
The video connects the idea of planting money with the possibility of eventually developing another source of income.
The speaker describes the goal as getting to a point where a teacher can have a side hustle or side business that generates additional income alongside the main salary.
For a teacher who currently depends primarily on a monthly salary, an additional income stream could provide another financial channel.
The objective, as presented in the video, is not simply to have money sitting somewhere.
It is to learn how to use a portion of what you earn in a way that can contribute to building something beyond the monthly salary.
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Your Salary Can Be More Than Something You Spend
The agricultural metaphor used in the video is worth thinking about.
A farmer who has seeds has a choice.
The seeds can be consumed immediately, or some can be planted with the expectation of a future harvest.
The same idea is being applied to salary.
When your salary comes, everything cannot be planted because you still have present responsibilities.
But perhaps a portion can.
The question is therefore not:
“Can I invest my entire salary?”
The question is:
“What portion of my salary can I deliberately plant?”
That is the financial mindset the Smart Teachers Avenue video is encouraging teachers to consider.
What Amount Would You Like to Plant?
This is where the video leaves the conversation open to teachers.
If you were given the opportunity to learn how to invest a specific portion of your salary every month, how much would you choose?
Would it be:
GH¢200?
GH¢500?
GH¢1,000?
GH¢2,000?
The amount will depend on your income, responsibilities and personal financial situation.
But the important thing is to begin thinking deliberately about the portion of your salary that you want to put toward your future.
Let’s Hear From Teachers
How much of your salary would you like to learn how to plant every month?
Leave your amount in the comments.
According to Smart Teachers Avenue, the response from teachers can help guide the kind of tailored financial education and investment discussions that follow.
Your answer could also help open a wider conversation about how teachers can move beyond depending on one monthly salary and begin developing additional sources of income.
This article is based on a Smart Teachers Avenue video discussing how teachers can learn to plant a portion of their salary and work toward creating additional sources of income. The article has organised the key ideas from the original video into a written story for the Smart Teachers Avenue website.
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Share your experience and ideas in the comments. Your strategy could help another teacher take the first step.
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