Today, not only do we live in an exhilarating time filled with endless possibilities thanks to technology that we once considered to live in the realm of science fiction, but it's also a period that's deeply steeped in the expectancy of instant and real-time returns. The truth is that you can't get rich overnight. It takes hard work and effort. It takes persistence and massive amounts of action. It takes seeing things through and pushing past failure, even as much as you want to give up and throw in that proverbial towel.

Please note that some of the links below are affiliate links and at no additional cost to you, I will earn a commission. Know that I only recommend products, tools and learning resources I've personally used and believe are genuinely helpful, not because of the small commissions I make if you decide to purchase them. Most of all, I would never advocate for buying something that you can't afford or that you're not yet ready to implement.

The cash back industry is ruthlessly competitive, isn’t it!? All of these apps want new users, which means you can load up on welcome bonuses. The Ibotta app is another opportunity to get a bonus: they are giving people $10 when they sign up. Unlike the other apps mentioned in this article, Ibotta specializes in getting you cash back at grocery stores.


Not only will this multiply the money you’re bringing in in a serious way, but it protects you against any sudden changes in the market or in your business. Remember that old saying about putting all your eggs in one basket? A few hours a week committed to just one or two of the following opportunities will put you in a much stronger position to be financially safe and independent.
all your advice works. i know because i have followed those steps since my early to mid-20s when, as a self-employed freelance journalist, i opened what was then called a keough account. those were pre-cursors of today’s ira’s. i always socked the limit into those, and soon opened an ira, as well as a 401k and a roth when they became available. i also opened fidelity and later, vanguard, mutual fund accounts. i always saved more than i spent, probably at least half my pay, which was never higher than about $65k during all the years i worked in journalism. true, my friends always liked to joke that i was “cheap,” but who’s laughing now? i crossed the $1m line in late 04, quit full-time work at age 51 and do exactly as i please with myself today, which is mainly being a semi-pro musician, the career the i almost established when i was in college. mercifully, i don’t have to live off it today. my main advice is to avoid credit-card debt. i am always astonished by how much people carry. ive never carried any. my debts are always limited to mortgage and, at times, car loans. i could own fancier cars and houses, but i have never felt the need, unlike my cash rich, but investment-poor friends. i live off corporate junk bonds today, plus music and random freelancing. my goal is to get to about $1.5m, get 80 percennt out of today’s way too unstable stock market, and live off mostly fixed income investments. way down the road, ill add social security, and a pension from the 25-years-plus i worked in newspapers. it can be done. the millionaire-next-door exists all around us.
Two thoughts come to mind. First, at 27 you have a whole life in front of you, so whatever you do will be right if it is directed correctly. Second, pick a goal and work towards it (e.g., pay off medical debt; or pay off condo mortgage). Always remember, as you succeed in any one of these, then you can broaden out into other investments opportunities (e.g., stocks, mutual funds, real estates, etc.). The choice and timing are yours to call. My basic point; however, is while you are young “focus” on a GOAL and go after the goal aggressively.
I enjoyed Jared's book immensely, so it was rather a shock to find the addendum so shallow and, particularly, so depressingly pessimistic. He manages in one brief article to scotch any possibility of arms control, and to argue convincingly in favor of "the race to the bottom". For examples of the latter he could hardly have picked two more convincing cases than the American beer and food-processing industries. The purveyors of tasteless instant-grown chickens, antibiotic-saturated beef, elastic tomatoes, and paper-mache Washington State apples, not to mention massive groundwater pollution in the coastal states, are apparently to carry all before them. Fortunately, there are other countries than Japan with whom the comparison could be made, and many of them produce tasty foods efficiently. Even Diamond seems to recognise that American beer has carried the virtues of mass production beyond reasonable bounds, as a glance at the shelves of the local supermarket with its array of multiethnic and microbrewery products would confirm.
If you’ve got some free time and don’t live in the middle of nowhere, becoming a Lyft driver can be a very lucrative side hustle that allows you make money fast. And right now, they’ve got a promotion going on where any new driver will instantly get a $300 bonus after completing their 100th ride. If you start now and hustle hard on the weekends, you can probably unlock that bonus within a few weeks of driving (and that’s in addition to your normal earnings).
The first batch of natural experiments concerns understanding the effects of isolation and of group size and of communication with other groups on the productivity of human societies. Let's learn from the extreme examples of isolation of human societies. If isolation has any effect on human societies, the places we're most likely to see that effect are the histories of those two islands off southeastern Australia called Tasmania and Flinders Island. They lie about 200 miles off the southeast coast of Australia and are separated today from Australia by Bass Straits, but those straits are relatively shallow, so their floor lay above sea level at glacial times of low sea level up to about 10,000 years ago. The Bass Straits between Tasmania and Australia were then dry land, and Tasmania was part of the Australian mainland, just as Britain used to be part of the European mainland. When the glaciers melted, sea level rose and cut off Tasmania from the Australian mainland. So when Tasmania and Flinders were part of the Australian mainland, Australian Aborigines walked down to Tasmania and Flinders from the mainland.         
Even in the age of automation, some jobs still require a human touch. Companies often outsource those jobs via services like Amazon’s Mechanical Turk. These jobs can be tedious — tagging images, transcribing videos, classifying receipts — and can take anywhere from a few minutes to a few hours. Pay depends on the task, and the person requesting the work gets to approve the finished product before paying you. That can leave room for scams, so do your research and join a community like TurkNation, which can steer you away from shifty dealers. Read more about doing tasks on Mechanical Turk.
Better yet, you can even upload your own book to one of the world’s largest book sellers: Amazon. With Amazon self-publishing, you set the price, retain the rights to your book, and get access to Amazon’s massive audience. For every sale, you keep 70% with Amazon taking the remainder as a fee. If you want to get started, check out Leslie Samuel's great guide to selling eBooks online or follow Tara Gentile on CreativeLive as she shows you how to use your existing body of work to write an eBook within the next week. Who knows, you might just write one of the best business books of this year!
Your journey to becoming rich might not be linear. Much a like a road trip, there could be some roadblocks or traffic along the way and things that halt your journey or slow you down. However, if you’re committed to getting rich, you have to develop persistence. If you stay the course, you’re more likely to learn how to build wealth and reach your goals.
Find a profitable niche: We’ve talked about this a lot. But, where are you most comfortable. What niche do your skills, values, and interests intersect? Do you have 10 years of experience as a technical writer? Do you have long-standing PR relationships that’ll be invaluable in helping startups launch a successful crowdfunding campaign? Determine what makes your value unique, and lean heavily on showcasing that strength to your potential clients.
This is much easier said than done, but the last four steps lay the groundwork to be able to start your own business. If you have a knack for business or want to be your own boss, this can be a great step to making some money. However, as many entrepreneurs will tell you, creating your own business requires massive upfront costs and low revenue in the beginning.

Jean Paul Getty was an American industrialist and founder of the Getty Oil Company. In 1957 Fortune magazine named him the richest living American, and the 1966 Guinness Book of Records named him the world’s richest private citizen, worth nearly 9 billion dollars in today’s money. He was the author of several books, including the bestselling How to Be Rich, and his autobiography, As I See It. He died in 1976.
Essentially the same thing happened in China with clocks: one emperor's decision abolished clocks over China. China was also on the verge of building powerful water-powered machinery before the Industrial Revolution in Britain, but the emperor said "Stop," and so that was the end of the water-powered machinery in China. In contrast, in Europe there were princes who said no to electric lighting, or to printing, or to guns. And, yes, in certain principalities for a while printing was suppressed. But because Europe in the Renaissance was divided among 2,000 principalities, it was never the case that there was one idiot in command of all Europe who could abolish a whole technology. Inventors had lots of chances, there was always competition between different states, and when one state tried something out that proved valuable, the other states saw the opportunity and adopted it. So the real question is, why was China chronically unified, and why was Europe chronically disunified? Why is Europe disunified to this day?
I have cleaned house, done dog sitting and sold items I no longer need. I have complimented my retirement income by about $ 1000 a year paying for a plane ticket, rental car, bed and breakfast, food and attraction tickets for a 3 to 4 day trip. It gives me something to really look forward to. I always pay taxes on the service income I make. Always give value.

Hmmm… my 12 year old daughter has gone through almost 4 different sizes in the last couple of years. I have jeans and tops – some with the tags still on them, some only worn by her once or twice. I bet I have at least 50 or more pairs of just jeans… mostly very expensive jeans!! Is there another kind, lol? I hate to have a lot of people come to our home. Would I lose a lot of money by selling them online as opposed to a yard sale? I also have quite a few other items I really need to get rid of because they’re just sitting in my shed, taking up space. Do you have any advice on how to get the maximum money for these items (mainly the girl’s clothing)? Thanks!!
With drop shipping, you’re effectively partnering with a manufacturer or wholesaler to sell their products. This way, you don’t pay upfront costs to buy inventory, aren’t sitting on unsold items taking up expensive warehouse space, and don’t have to deal with shipping the products yourself. You simply create your site, fill it with drop shippable products, and drive in customers, with almost everything else done for you.
There is a simple fact that many people miss: you will never grow wealthy if you spend everything you earn. Regardless of how much money you earn, you need to put some aside in savings. Having a cash cushion is nice because it helps you prepare for unexpected expenses and helps you avoid debt. But there is another reason that saving money is important – because of taxes and other factors, money saved is worth more than money earned!
most of these site you have to be older then 18, so thus you couldn’t do any of them unless in your parents name, also you would need their credit card or pay pal account, which i don’t think any parent would let their kid have that account, best advice i can tell you is to try working in lawn care, good for you wanted to start working young, i know how hard it can be living in a small town with poor parents, mabye ask around for idea, beware of the net though, net jobs are mostly scams and they onces that aren’t you mostly have to be 18, mabye if you don’t need a permit in your town sell cookies, or your old toys in a yard sale. cleaning jobs, are good. good luck, i know what it like being you, work hard
Even in the age of automation, some jobs still require a human touch. Companies often outsource those jobs via services like Amazon’s Mechanical Turk. These jobs can be tedious — tagging images, transcribing videos, classifying receipts — and can take anywhere from a few minutes to a few hours. Pay depends on the task, and the person requesting the work gets to approve the finished product before paying you. That can leave room for scams, so do your research and join a community like TurkNation, which can steer you away from shifty dealers. Read more about doing tasks on Mechanical Turk.
People are always looking to have their cars washed and detailed. You could be a mobile car washer and detailer without having a permanent location. Reach out to people you know or make some flyers and put it in your neighbors' mailboxes. If you want to get serious about it, prop up a one-page website or give out business cards. You can make money quickly doing this.
You can generate a small side income taking online surveys — but don’t expect to be rolling in the dough. Survey sites don’t typically offer a big payoff, unless you invest a lot of time, and many sites are more useful for earning gift cards than cash. Some of the more popular survey sites include Swagbucks and Global Test Market. Read our analysis of a dozen survey sites to find out which one is best suited for you.
This side hustle can easily become a full-time job! If you’ve got expertise in an area and think you can help small businesses near you, give this a shot. For instance, Ben and I know a lot about running Facebook advertising campaigns, so we approached the owner of our gym if he would let us design a few campaigns for him. And of course, he was thrilled to get the help! Here’s a useful 18 Step Checklist for Becoming a Small Business Consultant.
Even if your family, friends, or neighbors may not need work done, you can sell your labor in advance of completing it. Make it official by printing out a certificate that promises that you’ll mow their lawn, shovel their driveway, water their garden, or complete another chore they’d need! Once they’re in need of the work, you can set up a time to get the job done.
Every year, hundreds of millions of documents are notarized in the United States: wills, mortgages, citizenship forms, handgun applications. While for decades, this has all been done in person, there is a budding crop of sites that allow notaries to take their services online. If you’re already a notary, you can sell your services online. Or, if you want to get started, check out the National Notary’s checklist for becoming a certified notary.
If you've developed valuable skill sets or picked up certifications within your industry over the years, offering your consulting services to local business owners can be a lucrative way to make money online. Whether you're an expert marketer, business strategist, or manufacturing aficionado, there's likely a local business owner who's willing to pay you to help them solve an issue with their company. Start with this 18-step checklist to becoming a local business consultant from Karyn Greenstreet and then use my guide to crafting an effective cold email to convince them to hire you.

We all wish we could be wealthy. For most of us, it's a far-off dream that someday, eventually, we might be able to turn ourselves into self-made millionaires. But the truth is, building wealth isn't about putting all your hopes into "someday." You're never too old to start building wealth, but if you start when you're young, you have far greater potential to amass a fortune--and more time to let that fortune compound itself as you grow older.


Anthony Robbins often says that success is the product of one of two scenarios: inspiration or desperation. There's massive credence to that statement. Clothier was desperate. He had no choice. He wasn't willing to settle for a life of mediocrity, so he figured it out and marched forward, applying persistent action every single day, getting better and better.
If you’ve got a way with words and expertise in a niche, there are plenty of sites that will pay for articles and content you write. Think of the sites you read regularly. What can you contribute to them that would be interesting? Research your niche and then look for ways to pitch articles. Many sites will simply have a submission or contact link in the footer. To get started, check out my full guide to becoming a freelance writer on the side and then submit your articles to places like Instash, Listverse, TopTenz, A List Apart, International Living, FundsforWriters, and Textbroker.
Double check yourself, before you double wreck yourself. Make sure everything you send to a company, whether a résumé, an email or a portfolio, is good to go. Double check your grammar and wording, and for God’s sake use spell check! This is especially important when it comes to the company’s name. Don’t spell their name wrong and be sure to type it how they type it (e.g. Problogger, not Pro Blogger).
Of course there are also the famous differences between the productivities of the economies of different countries: the differing national average productivities of Japan and the United States and France and Germany. Actually, though, there are differences between the productivities and wealths of different business sectors within the same country. For example, the German metal-working industry has a productivity rivaling that of the United States, so the Germans are certainly capable of organizing industries well, but the German beer-brewing industry is less than half as productive as the American beer-brewing industry. Or take Japan — we Americans are paranoid about the supposed efficiency of Japanese business, and the fact is that the Japanese steel industry is 45% more productive than the American steel industry. Why is it, then, that the Japanese food-producing industry is less than 1/3 as productive and efficient as the American food-processing industry? Still another example: in Korea, the steel industry is equal in efficiency to American steel making, but all other Korean industries lag behind the United States. What is it about the different organization of the German beer brewers and the German metal workers, or the different organization of the Japanese food processors and the Japanese car manufacturers, that accounts for the different productivities of these sectors within a given country?
Sometimes, it takes a little elbow grease to get there. Or, if you are running a business, it might take some late nights. Millionaires are willing to work hard and do things for themselves when they need to. Millionaires are also willing to do what it takes, even if it means taking on an unpleasant job. A millionaire also knows that this includes taking responsibility for his or her financial destiny, refusing to blame others for misfortunes and finding ways to make sure income streams are diverse.
Your next goal should be to invest in yourself; you are the best resource you have to accumulate wealth. Investing in yourself means spending more time on your education, refining your own skill sets, and branching out to meet new people who might help you achieve your goals. The more educated, skilled, experienced, and connected you are, the more valuable opportunities you're going to get, which means higher salaries and more options for you down the road, both of which will help you build a stronger financial foundation.
Rather than making money through subscriptions, YouTube channels are based on a traditional advertising system. Meaning the more viewers you get, the more you make. Once you’re approved for the YouTube Partner Program and can start including ads on your videos, with every 1,000 views, you will make approximately $2-$4. Which might not seem like a lot, but if you have 100 videos with 5,000 views a month each, that would be $1,000–$2,000 already. Just imagine if your videos start hitting millions of views!
Another interesting case study in the fate of isolated communities concerns Kangaroo Island, not far from Adelaide where I live. This too was cut off from the mainland by rising sea waters, but continued to support a few hundred Aboriginals for some thousands of years. However, in this case there were no survivors by the time of European discovery. The demise of this stranded group deserves further study.
Set up a roadside stand. Depending on where you live, you could profit handsomely by setting up a roadside stand. If you live near a resort area, for example, you could buy cases of bottled water, put them on ice, and sell them to passers by for twice what you paid. Selling fruit and produce you grow yourself is also a smart idea in highly-traveled areas.

There you have an example from the German beer industry about the disadvantages of having lots of small groups that are secretive and don't compete with each other. The other example that I want to tell you about is the Japanese food-processing industry. I mentioned that we Americans are virtually paranoid about the efficiency of the Japanese, and it's true for some Japanese industries, but not for their food-processing industry. Japanese processed food is produced with an efficiency 32% of American processed foods. There are 67,000 food processing companies in Japan; there are only 21,000 in the United States, although the U.S. has double Japan's population, so the average food-processing company in the United States is six times bigger than its Japanese counterpart. What is the reason why the Japanese food-processing industry, like German beer industries, consists of small companies with local monopolies?

5. Fiverr – Fiverr is a great place to make a few bucks or spend a few bucks if you need some of the services people offer. Basically, everything is $5. You either pay $5 or charge $5. They call them “gigs.” You can offer your services however you choose. If you sell art and you’re fine selling pieces for $5 each, that’s a gig. If you’re a graphic designer and you want to offer your services for $10/hour, simply offer a 30 minute gig. If they need two hours of graphic design, they pay you $20, or $10/hour by buying four gigs.
Or again, what about the contrast between Microsoft and IBM? Again, since my book was published, I've acquired friends at Microsoft, and I've learned about Microsoft's organization, which is quite distinctive. Microsoft has lots of units, with free communication between units, and each of those units may have five to ten people working in them, but the units are not micro-managed, they are allowed a great deal of freedom in pursuing their own ideas. That unusual organization at Microsoft, broken up in to a lot of semi-independent units competing within the same company, contrasts with the organization at IBM, which until four years ago had much more insulated groups. A month ago, when I was talking in the industrial belt of North Carolina, the Raleigh-Durham area industrial belt, I met someone who is on the board of directors of IBM, and that person told me, Jared, what you say about IBM was quite true until four years ago: IBM did have this secretive organization which resulted in IBM's loss of competitive ability, but then IBM acquired a new CEO who changed things drastically, and IBM now has a more Microsoft-like organization, and you can see it, I'm told, in the improvement in IBM's innovativeness.
Become financially literate: Before you start investing, you must financially educate yourself. The financial industry wants to sell you thousands of different products, on which they’re making money in the end, not you. If you don’t understand 1,000 % in what kind of a product you’re investing your money, you’re probably going to lose it. So, if you want to get rich, you must understand financial products, taxes, legal aspects and other investment issues really well.
Thank you for all the advice you offer. Im only 23 years old and stumbled upon your writing on debt management a few months ago and have already reduced my debt by 30%. People may knit pick at what you say but the underlining is always the same…less debt+saving and investing leads financial freedom. I look forward to continuing to read what you have to say and making these millions with you brother.
These questions about group organization arise at many different levels and for many types of groups. They arise, of course, about the organization of entire governments or countries: what is the best way to govern a country? Remember the classic arguments about whether the best government is a benign dictatorship, or a federal system, or an anarchical free-for-all. The same questions also rise about the organization of different companies within the same industry. How can you account for the fact that Microsoft has been so successful recently, and that IBM, which was formerly successful, fell behind but then drastically changed its organization over the last four years and improved its success? How can we explain the different successes of what we call different industrial belts? When I was a boy growing up in Boston, Route 128, the industrial belt around Boston, led the industrial world in scientific creativity and imagination. But Route 128 has fallen behind, and now Silicon Valley is the center of innovation. And the relations of businesses to each other in Silicon Valley and Route 128 are very different, possibly resulting in those different outcomes.         
After listening to your show, I found a lead to my first side hustle. For my wife’s program and mine, we are required to have CPR. We took our class to meet these requirements, and I talked with our instructor who passed my name to the owner letting him know I was curious about becoming an instructor. I was contacted about certifying myself to teach classes! – John S.

If you’re a skilled worker in a specific niche, like marketing, design, or software development, there are specialty marketplaces that cater just to you. These are amazing places to make money online as you know that the people visiting them are looking specifically for the skills you have. Check out places like 99Designs or Dribbble for designers, Cloudpeeps for marketing and SEO professionals, and TopTal, Crew, or Gigster for high-level software developers. Once you've built up your development skills, you can begin building a brand for yourself as a higher-value consultant and start charging brands for larger projects like implementing an entire WordPress security overhaul or migrating a website from http to https.
If you want to help shape products in their early stages, joining an online focus group or answering survey questions is a great way to make extra money online. They don’t pay as much as some of the other options we’ve highlighted, but you can join groups on sites like Survey Junkie, Swagbucks, and IPSOS that pay out through Amazon gift cards, check, or PayPal. You’ll be asked to provide a bit of information about your demographics (age, location, etc…), but after that you can get going making money through surveys.
Or again, what about the contrast between Microsoft and IBM? Again, since my book was published, I've acquired friends at Microsoft, and I've learned about Microsoft's organization, which is quite distinctive. Microsoft has lots of units, with free communication between units, and each of those units may have five to ten people working in them, but the units are not micro-managed, they are allowed a great deal of freedom in pursuing their own ideas. That unusual organization at Microsoft, broken up in to a lot of semi-independent units competing within the same company, contrasts with the organization at IBM, which until four years ago had much more insulated groups. A month ago, when I was talking in the industrial belt of North Carolina, the Raleigh-Durham area industrial belt, I met someone who is on the board of directors of IBM, and that person told me, Jared, what you say about IBM was quite true until four years ago: IBM did have this secretive organization which resulted in IBM's loss of competitive ability, but then IBM acquired a new CEO who changed things drastically, and IBM now has a more Microsoft-like organization, and you can see it, I'm told, in the improvement in IBM's innovativeness.
Nevertheless there are some human groups where productivity is indeed a significant consideration. And that certainly includes businesses, industrial belts, and to a considerable degree, countries. In order to understand how to organize these businesses, we could perform natural experiments. We could set up, if we were rich enough, a hundred businesses, organized a hundred different ways, see which businesses went bankrupt, and after 20 years figure that we now have the correct industrial organization. But that's an inefficient way to do it. We can instead learn from the comparative approach, by looking to natural experiments of history. I hope that some of you will be able to apply these lessons to acquiring the wealth that has so far eluded me.

Please note that some of the links below are affiliate links and at no additional cost to you, I will earn a commission. Know that I only recommend products, tools and learning resources I've personally used and believe are genuinely helpful, not because of the small commissions I make if you decide to purchase them. Most of all, I would never advocate for buying something that you can't afford or that you're not yet ready to implement.


Ask for a raise. If you’re unhappy with your compensation at your 9-5 job, asking for a raise is one way to beef up your bank account. Most employers offer an annual review of your work – which could be the perfect time to negotiate a higher salary or ask for better perks. If your employer doesn’t offer such an opportunity, it might be time to initiate a review yourself.


Before you start regularly saving and investing money, it's usually a good idea to pay down any debts you may have accumulated. Credit card debt, student debt, and even car loans can carry heavy interest rates that drag you down, demanding monthly installments that chip away at your revenue while racking up additional interest and penalties that take away even more money from your future self. Don't let this eat away at your potential; make it a first-line priority to get rid of your debt as soon as possible.
Use your bank’s overdraft protection if you need to make a purchase. If you have a checking or other account with overdraft protection, you might be able to intentionally overdraw on the account and take advantage of the temporary payment, when you are in need of quick cash. The bank will initially cover the cost, but you will have to pay it back.[27]
Earn the experience through different levels of work and when you feel like you have gained all that you can from it, consider moving on in other companies would widen your horizon on different business cultures. Putting more experiences in various positions would make you a more valuable asset for companies and making you a better option for higher rank duties.
What happened was that the Samurai, the warrior class in Japan, had been used to fighting by standing up in front of their armies and making a graceful speech, the other opposing Samurai made an answering graceful speech, and then they had one-on-one combat. The Samurai discovered that the peasants with their guns would shoot the Samurai while the Samurai were making their graceful speeches. So the Samurai realized that guns were a danger because they were such an equalizer. The Samurai first restricted the licensing of gun factories to a hundred factories, and then they licensed fewer factories, and then they said that only three factories could repair guns, and then they said that those three factories could make only a hundred guns a year, then ten guns a year, then three guns a year, until by the 1840s when Commodore Perry came to Japan, Japan no longer had any guns. That represents the loss of a very powerful technology.
If you’ve got some free time and don’t live in the middle of nowhere, becoming a Lyft driver can be a very lucrative side hustle that allows you make money fast. And right now, they’ve got a promotion going on where any new driver will instantly get a $300 bonus after completing their 100th ride. If you start now and hustle hard on the weekends, you can probably unlock that bonus within a few weeks of driving (and that’s in addition to your normal earnings).
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