The “money working” metaphor
The speaker contrasts time spent working for wages with potential income from investments. He encourages people to think about retirement planning early in their careers and to build assets over time. The point is to plan ahead, not to assume that buying one asset means you can stop working immediately.
Investment income is uncertain. Asset prices can fall, dividends can change, and assets described as “passive” may still require money, time and monitoring, and may involve debt or other costs. What may fit depends on when you need the money and the risks you can bear.
Start with a plan, not a promise
Write down your goal, the age when you expect to use the money, essential expenses, debts and emergency savings before researching products and fees. Shares and fund units are not bank deposits, and returns are not guaranteed.
For general background, see Investor.gov: Introduction to Investing.