Be professional. When you submit a résumé, don’t type it in ALL CAPS and please don’t avoid the caps lock like the plague. Know how to use it without looking incompetent. Write in complete sentences with proper grammar. Of course, there will be exceptions, but even with the exceptions, you must keep it professional. You’re building their view of you.
Invest your time. For example, you might like having free time, so you give yourself a few hours a day to do nothing. But if you were to invest those few hours into getting rich, you could work towards having 20 years of free time (24 hours a day!) with early retirement. What can you give up now in exchange for being rich later? Investment advisor Dave Ramsey likes to tell his radio audience, "Live like no one else today so that you can live like no one else tomorrow."
You’re already broke, and your car just conked out. Or maybe you’re cash-strapped until next week’s payday, but you’re short on rent, can’t make the minimum payment due on your credit card bill, or simply forgot you need to chip in for a birthday gift. When you’ve run out of money, there’s an endless number of reasons why you might need cash – quick.
If you want to clear some space out in your house and have a big stack of books you’ve been holding onto for too long, you can make money selling your books and textbooks online. Stores like Half Priced Books and others will give you cents on the dollar for each of your current books while you can check what your book is worth by simply entering the ISBN number on Book Scouter.

Salvage and resell. Do you love antiques or have a knack for finding valuables at flea markets or yard sales? If you do, it might be time to consider salvaging items for resale – or even scouting out antiques to sell for a profit. While you’ll need to spend quite a bit of time searching for prospects and spend some money buying upfront, you could easily turn a profit if you know what you’re doing.
If you don’t mind doing other people’s chores, then TaskRabbit is a great option for making money online. Earn extra income by walking your neighbor’s dog or mowing Mr. Smith’s lawn. It might seem like not the most lucrative option, but the top taskers reportedly earn as much as $7000 a month, making this a full-time way to make money online for some.
Now you’ve got many different options to start earning online. If you saw something that really interests you, try it out and learn more about it. If you’re really wanting to make a full-time income online, you need to be dedicated to learning how to do what you want to do. There are tons of free resources out there. You just have to search for them!
How much will you make? I think my best month with Google AdSense was almost $5,000 over the last ten years. That amazing month blew my mind since it was actually near the beginning of my blogging journey. When you go from making zero to $5,000 in a month, that will rock your world. For me, it also got me even more excited because I knew there were other ways to monetize.

Open an Etsy store. If you have a creative talent or skill – whether it’s creating art, sewing clothes, or making keepsakes – you can open an online store on Etsy.com and sell your wares for some quick cash. With your own Etsy store, you’re left in charge of pricing and, ultimately, how much you make. See our detailed primer, “How to Make Money on Etsy.”

How to Get Rich is different from any other book on the subject because Dennis isn't selling snake oil, investment tips, or motivational claptrap. He merely wants to help people embrace entrepreneurship, and to share lessons he learned the hard way. He reveals, for example, why a regular paycheck is like crack cocaine; why great ideas are vastly overrated; and why "ownership isn't the important thing, it's the only thing."
23. Affiliates – There are many affiliate networks, such as FlexOffers and CJ Affiliate that allow you to promote other people’s products and services. You simply put a link or a banner on your page and then you get a percentage if someone clicks through and buys the product/service. You’ll want to select products that are specifically within your blog’s category.This is an effective way to earn money once you have the traffic coming to your blog.
My use of the word "secrets" in the title of this article might have brought you here hoping for a guaranteed, almost magical solution to make you wealthy. There isn't one. The fundamental objectives are simple: Make more than you spend, and use the excess to invest wisely. How you invest is up to you (with a few caveats below), but the obvious goal is to make investments that have a high likelihood of making you more money in the future. That's it. The ways to achieve this are by making more money, spending less, and investing more wisely.

Try flipping houses if you have experience with making home repairs. As you may know from watching popular home improvement shows, flipping homes involves buying up a lower valued property that needs work, and then fixing it up for resell. To get started, you’ll need to have financing either through a bank a partner. Then, you can buy a property that’s priced below market value. After you renovate the property, you may be able to sell it for a profit.[10]
Using the money you already have to make more money is usually a pretty smart move. A service like Lending Club is a great way to act as a lender and earn interest on your money. Essentially, you act as the bank, which is pretty neat. Lending Club is the world’s largest online credit marketplace connecting borrowers and investors. Definitely something worth looking into!
Advertising Disclosure: TheSimpleDollar.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. The Simple Dollar does not include all card/financial services companies or all card/financial services offers available in the marketplace. For more information and a complete list of our advertising partners, please check out our full Advertising Disclosure. TheSimpleDollar.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.

The Id -- The id is the first part of the human mind that's formed. It's the basal and instinctive urges that drive us towards instant gratification, and it's hardwired into our genetic conditioning to eat, procreate and defecate, for example. The id creates the sudden urges of wanting what we want, and wanting it right now. Children are all born with the id until the other parts form, and if we were only left with the id, we would do, act, and say as we pleased all the time and anytime.


We're in an explosive era of growth. Thanks to the birth of the internet and our newfound global connectivity, generating a real income online, no matter where you live or what you do, has become a modern-day convenience. Gone are the doldrums of 9-to-5 employment and the necessity to head into a life-sucking corporate job. Today, the so-called "dream" revolves around the lifestyle entrepreneur, able to make money, travel the world and live life to the fullest from anywhere on the planet.


Many of us are interested in becoming millionaires. However, that goal sometimes seems rather far away. You don’t have to be born rich, or inherit a fortune, to become a millionaire. If you have the right stuff, you can work your way into your millions. But it helps to know what traits often make a millionaire. Here are 5 traits that many millionaires have — and that you can develop:

Invest your time. For example, you might like having free time, so you give yourself a few hours a day to do nothing. But if you were to invest those few hours into getting rich, you could work towards having 20 years of free time (24 hours a day!) with early retirement. What can you give up now in exchange for being rich later? Investment advisor Dave Ramsey likes to tell his radio audience, "Live like no one else today so that you can live like no one else tomorrow."
As you start regularly putting out content, you’ll hopefully start to build a bit of an audience. But to start seeing real money from YouTube you need to market your videos elsewhere. Share your channel on Twitter and Facebook. Distribute videos anywhere else you can think of. Also, interact with comments and build a community around the videos you’re making so people will share it with their friends.
You probably can’t demand a raise from your boss, but there are a few simple ways that you can essentially give yourself a raise. Simple cutting out some of your major expenses, like canceling your cable or going out to eat less can save you hundreds of dollars every year. If you save $200 every month, you’ll find yourself with $2,400 at the end of the year.
With $2 million dollars still in the bank, he thought he was invincible. Fast forward 22 months later, and with just $4,000 left in his account, the walls were closing in on him. I'm all-to familiar with that feeling of despair and anxiety, of sheer and utter pain and panic, that it really hit home for me, as I know it does for others. The truth is that it's easy to make friends when you're riding high, but when you fall from grace and everyone around you disappears, you realize the importance of things like family and health over monetary achievements.
That might be why we have on-demand everything. We live in a society where fast food is prevalent and exists on nearly every corner or town across the United States and we're able to access all of the world's information in real time from anywhere we want from little pocket super computers. We can hail rides, find dates and do everything in a flash, instantaneously. Clearly, we want to lose weight and get right quickly and not have to wait, purely because our ids are so powerful.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
Folks, don’t confuse simple with easy. The principle of ‘spend less than you earn’ is indeed simple. But, like many other things, it isn’t easy; our current media inundation with advertising which begs, cajoles, pleads, ridicules, and browbeats us to spend, spend, spend makes it especially difficult to exercise the self-discipline required to abide by the principle.
Have a spare bedroom — or two? Making it available on vacation rental sites can provide a lucrative side income. For example, Airbnb hosts earn an average of $924 per month, according to data from Earnest, an online lender. If you’re a renter, just make sure that everything is kosher with your rental agreement beforehand. Learn how to cash in on short-term rentals.

Blogging is something that requires patience, persistence and discipline. It may mean writing everyday for over a year before you really start to see any money from it. There are exceptions to the rule, but from my dealings with other bloggers, it seems to be pretty common to spend one or even two years building your blog, your brand and your authority, before making any serious amount of money.
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.
If you need money today, you don’t have credit cards to turn to, and going to a family member is out, you could go to a payday loan store in your neighborhood and ask for a loan. You generally will need proof of employment (pay stubs) and identification; call ahead and ask what they require. You’ll probably need references. And you need to be absolutely sure you can pay back the loan under the specified terms.

Start a bed and breakfast. If you live in a popular resort area or own a historic property, a B&B might be the perfect side hustle. Not only can you work at home with this career, but you’ll also score some tax write-offs in the process — although most innkeepers caution that the profession requires a lot of hard work and is more of an attractive lifestyle than a money-making pursuit.

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.


It doesn’t pay much, but if you’re a healthy person and want to make a bit of extra money online, the AchieveMint app will reward you for doing things like walking, tracking your food, or taking health surveys. AchieveMint works by connecting to fitness apps you might already be using like Fitbit, RunKeeper, Healthkit, and MyFitnessPal and then giving you points for certain actions. For every 10,000 points, you earn $10 with no limit on your earnings.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products. 

If you love kids, sign up for Care.com or SitterCity to spend a few hours a week babysitting. These websites verify both babysitters and those seeking sitters with background checks, so you can ensure you're conversing with a reliable source. Babysitting rates vary based on years of experience, number of children, and hours per week. According to ZipRecruiter, the average hourly rate for a babysitter is $28. Use Care.com's calculator to plug in your experience and find out how much your should be making an hour as a babysitter.
The views expressed on this blog are those of the bloggers, and not necessarily those of Intuit. Third-party blogger may have received compensation for their time and services. Click here to read full disclosure on third-party bloggers. This blog does not provide legal, financial, accounting or tax advice. The content on this blog is "as is" and carries no warranties. Intuit does not warrant or guarantee the accuracy, reliability, and completeness of the content on this blog. After 20 days, comments are closed on posts. Intuit may, but has no obligation to, monitor comments. Comments that include profanity or abusive language will not be posted. Click here to read full Terms of Service.
Ebates is another cash back app, similar to Dosh, and right now they are offering a $10 signup bonus. There’s no rule saying you can’t have multiple cash back apps, so why not sign up for a couple just so you get the bonuses? Once you get your bonuses, then just use whichever app gets you the best deal on your upcoming purchases. Easiest money ever!
Great article, I have tried a few over the years. I had a side business cleaning offices for years. It did great, but I hated never being able to take more than 3-4 days vacation, so I eventually gave up. I tried MTurk, but if you multiplied my earnings on an hourly basis, it was a little over $6/hr. My blog is much worse, probably less than $0.25/hr.

Logan is a CPA with a Masters Degree in Taxation from the University of Southern California. He has been featured in publications such as CNBC, USA Today, U.S. News & World Report, and HuffPost on topics ranging from paying down debt to using credit card points to saving money on taxes. After spending nearly 10 years in public accounting, including 5 with professional services firm Ernst & Young where he consulted with multinational companies and high net worth individuals on their tax situations, he launched Money Done Right in 2017 to communicate modern ideas on earning, saving, and investing money.


This may sound like a dumb idea, frankly, but a lot of banks these days are offering $200 to $300 signup bonuses to customers who open up a new checking account. The catch, though, is that you generally have to really open these accounts. You need to be willing to set up a direct deposit and put money in the account, and you often don’t receive the bonus for at least a month, sometimes even longer. On the other hand, if you were thinking of going to a new bank, anyway, it’s an easy way to make some extra cash.
Billshark will negotiate with your current providers to lower your bills. They can work with your cable, wireless phone, satellite TV and radio, internet, and home security providers. Billshark is good at it too. They have an 85% success rate. According to Billshark, the average customer who gives them two bills to negotiate will save as much as $1,500!
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.
According to Lynne Norris of NorrisBusinessSolutions.com, who works out of her home in Pennsylvania as a virtual assistant, the rates for VAs run about $25 to $75 or more an hour, though ZipRecruiter calculates the average hourly rate at $19. According to Norris, the startup costs of this work from home job can range from about $500 to $1,000, assuming you have an up-to-date computer and printer.
Who knew you could be paid to listen to music? Slicethepie is the largest paid review site on the internet that pays you to listen to music and write detailed reviews. How much you'll earn per review varies by the quality of your review. A.k.a. the more detailed and constructive, the better. The minimum payment is $10, so once you've reviewed enough songs to earn at least $10, your money will be sent to you via a direct payments on PayPal.
26. Services – You can offer a paid service, such as life coaching, blog coaching, goal setting or financial planning. Just be sure to investigate all the legal implications and make sure you’re not claiming to be a professional if you’re not one. With a service like this, you’re basically using your blog to sell yourself. You’ll need to convince people that you’re worth buying and then be able to back up your claims once they purchase your service.

I just didn’t know enough about it until I contacted him. The thing I like, is that he made this crypto trading easy to understand, he also mined bitcoins and some other cryptos for me after i subscribed to his daily mining investments plan. I have seen giant gains in few days more than i ever made in stocks and I will forever remain indebted to this genius because we have only worked for a couple of months and I am a millionaire already. You can ignore this message if you do not believe in the new money (cryptocurrency). Many people also doubted the internet in the early 2000 so the choice is yours. Thank you Prof. Hang, you are the best thing that happened to me, my family and friends this year. I will make you famous just as I have promised you if you come through for me and I am glad you did not fail me.
Just wondering how many people you know personally, that saved and invested, especially if they made minimum wage, weren’t college educated, had a family to support, etc. and became as you say, ‘filthy rich’ by following the principles of this page? People read simple-minded articles and poor things, if they are simple-minded enough to believe the garbage.
Parlay your math, science, foreign-language or test-prep expertise into a lucrative side gig by becoming a private tutor. You can tutor people online or in-person. What you charge can depend on your experience, expertise and what’s in demand. To get started, see what types of tutors are needed on Craigslist, or create a profile on sites like Tutor.com or Care.com. You can also advertise your services at local schools and community centers.
It may make you think again if that's your real goal - getting rich. Felix says that he can understand looking back why others chose different paths with raising a family, devoting themselves to a worthy cause or non-profit, because he himself really wonders if it was worth it...NOT! as it turns out, he's too used to his freedom and experiences of the finer things in life that money affords to change his fate now. He shares with you in the book what a real bummer or hassle that having money brings including a long list of needed advisers, financial advisers, tax advisers, supportive well wishers who seek hand-outs, charities, not to mention the minute details and fine print of the tax laws that you'll need to get extra very familiar with.
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.

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.
It doesn’t pay much, but if you’re a healthy person and want to make a bit of extra money online, the AchieveMint app will reward you for doing things like walking, tracking your food, or taking health surveys. AchieveMint works by connecting to fitness apps you might already be using like Fitbit, RunKeeper, Healthkit, and MyFitnessPal and then giving you points for certain actions. For every 10,000 points, you earn $10 with no limit on your earnings.

I have always subscribed to paying yourself first, keeping debt under control and living within my means. Fortunately my wife and I have always made pretty good money so it was fairly pain free to be successful. We were so fortunate to not have any breaks in our work history which is a huge factor. For those who need to dip into savings to cover a long period of work outage, it can be devastating. I’m now at retirement age, house is paid for, no debt, million++ in investments…. You don’t know good it feels to be able to sleep good at night knowing that you can deal with anything that comes up.
I surprisingly get a lot of people asking to detail their car. I never intend to make a business of it, but I love doing it to my cars and people ask me to do it to theirs. All it takes is a cheap orbital buffer (mines a used craftsman) and a shop vac. I normally get easily $100 for a basic wash/wax/vac, or $200 to remove scratches and polish then wax the car.

Another way to utilize your talent and business skills is to run corporate workshops online. Businesses are always looking for unique ways to help educate their workforce, and if you can package your talents into a day or half-day long session, you can sell that to companies all over the world to make money online. Start by building a portfolio and then reaching out on LinkedIn to influencers at relevant companies to see if they would be interested in you teaching their team.
Become a dog walker if you live in an area where they are in demand. You can walk dogs for people who own dogs but who are too busy to walk them. However, this can be a demanding job, especially if you end up walking a few dogs at once or if you are walking dogs throughout the day, so ensure that you have the physical stamina for this type of job.[12]
There are plenty of books on making money by men who haven't made much. But if J. Paul Getty, who Fortune magazine called “the richest man in the world,” doesn't know how, who does? Here the billionaire businessman discloses the secrets of his success—and provides a blueprint for those who want to follow in his footsteps. And he goes beyond the matter of making money to the question of what to do with it.
There are plenty of books on making money by men who haven't made much. But if J. Paul Getty, who Fortune magazine called “the richest man in the world,” doesn't know how, who does? Here the billionaire businessman discloses the secrets of his success—and provides a blueprint for those who want to follow in his footsteps. And he goes beyond the matter of making money to the question of what to do with it.
Rent out a parking spot. If you live in a busy or congested area and have parking to spare, you might be able to rent out your parking space for some quick cash when you’re not using it. Simply advertise your open parking space online including details on the location, whether it’s covered or uncovered, and your desired hourly, weekly, or monthly fee. If you want, you can even use a site like Just Park or download the Spot App to reach more potential customers.
28. Subscription – If you think of something valuable (newsletter, online magazine, etc.) that you can consistently offer on a certain basis (weekly, monthly, etc.), you may want to offer a subscription service. This could be a fee charged each time your product is sent out or on a monthly basis. Either way, this has to be something that your customers can only get by subscribing to your website.

City-dwellers often don’t use their cars for days or weeks at a time. That idle time can translate to money with services like Getaround and Turo, which let you rent out your car by the hour or day. Earning potential varies by car and location, but standard vehicles typically rent for $30 to $50 per day. Luxury cars and sport-utility vehicles command even more money. Just be sure you talk to your insurance provider before signing up to make sure that you don’t run afoul of the policy.
First off, I’m a blogger so it seems wrong not to mention it, but more importantly, it’s a legitimate way to make money. It’s quite possibly the least straight-forward way on this list, but it’s very doable and it’s also quite possibly the funnest way on this list. I love blogging and I know hundreds of bloggers who feel the same. So let’s talk about making money blogging and what it really means.
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.

Chase Sapphire Preferred® Card – Want an even bigger bonus? Consider the Chase Sapphire Preferred® Card instead. With this card, you’ll earn an amazing 50,000 points after you spend just $4,000 on your card within 90 days. If you turn in those points for cash, they are worth $500! Obviously, you’ll want to pay your balance in full to avoid interest. As long as you meet the minimum spending requirement, this $500 is yours to spend. Plus, this card comes with no annual fee.


Becoming a millionaire is such a popular topic. However, sometimes we overlook living a fulfilled life and just want that label, millionaire. We must endeavor to live a productive life by seeking to better those around us. If you have the vision, create a product, pump in passion and deliver to make things better for people. That is one sure way of becoming a millionaire. Most of the million dollar persons we hear of today have added value to people’s lives: Bill Gates, Sergey Brin, Larry Page and Me, Mcneri! Add value, live your life and IT WILL COME.
Instead, try scratching for free using an app called Lucktastic (Lucktastic is called Lucktastic Match on iOS). Each day, it releases a new assortment of digital scratch-off tickets. Lucktastic says instant wins range from $1 to $10,000. You can also earn tokens that you can exchange for free gift cards to retailers including Amazon, Walmart, Kohl's, Sephora and more.

Take it seriously. Yes, you’re applying for an online job. Yes, you can do the work in your underwear, but that doesn’t mean it’s not a “real job”. You must treat it as such or they aren’t going to treat you as a serious candidate. You aren’t the only one who wants to work in their underwear. In fact, the competition online is likely higher than it is in your local area.

Not only did he get richer than he could have imagined in his wildest dreams, but he also created sustainability. He was humbled by his past failures and he used that to grow, to identify opportunities and progress as a person. That isn't something simple to do. Many of our past beliefs and negative self-talk can easily limit us. But, when you're backed up against the wall, and your entire life is on the line, you'll often do what it takes to succeed.
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!!

As an Instacart personal grocery shopper, you will actually be doing the grocery shopping yourself (so don’t crush anyone’s avocados!). Your compensation depends on several factors, like the average size of your orders and average number of miles driven per trip. You can also get tips in addition to the pay that comes directly from Instacart (most people report an average earnings rate of $15 per hour).


Then once you’ve got your domain name and hosting sorted out, it’s time to pick a CMS, or Content Management System, that will let you update pages, build your blog and integrate with all the other services you need. It’s hard to go wrong with WordPress—the CMS powering close to a quarter of the internet. Keep in mind that eventually as you start growing traffic to your blog, you'll be wise to invest in a managed WordPress hosting plan from a company with great service like Kinsta, where all of the settings are custom-tailored and optimized to work particularly well with WordPress-powered websites.
I’m a huge fan of blogging because I love writing and connecting with people all over the world. To give you an idea of what is possible with blogging, DollarSprout.com is part of a group of blogs that routinely brings in over $100,000 a month in revenue. While it takes time to build your blog up to that income level, you can get the initial set up done in under 30 minutes (no experience needed).

Regardless if you need to earn some fast cash or we're just talking about making money in the grand scheme of things, there's an important psychology that needs to be mentioned before getting into the strategies. If you study Freud's model of the mind, you'll discover the Psychic Apparatus. It's the three-part construct in your mind that controls all of your behavior.
If there’s a plasma donation center in your area, you might be able to make anywhere from $25 to $50, and odds are, you’ll get paid today. Call ahead and ask, of course, but these days, many donation centers are giving money cards (similar to a debit card). Generally, it takes about 30 minutes to donate your plasma, but a first visit may take longer — up to two hours — since you’ll be filling out paperwork and taking a physical. And while it’s not a ton of money, many donors are able to sell plasma twice a week.

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.


As you start regularly putting out content, you’ll hopefully start to build a bit of an audience. But to start seeing real money from YouTube you need to market your videos elsewhere. Share your channel on Twitter and Facebook. Distribute videos anywhere else you can think of. Also, interact with comments and build a community around the videos you’re making so people will share it with their friends.
So, I put together a free master course for you to take that spreads out all of the work involved in starting a blog, into a series of action-packed lessons. My free course breaks the entire process of starting a blog down into an incredibly simple 7-day process for going from 0 to brainstorming the best blog post ideas, publishing (and promoting) your first blog post in just 1 week. We also cover beginner and advanced ways to learn how to make money blogging in the course. I can't recommend it enough.
Another advantage of having some cash savings is the ability to use the money for investments or other large purchases when you come across a good deal. This could be a something like an investment, property, or just a good deal that saves you thousands of dollars on a major purchase. Take advantage of these principles and save money whenever possible.

I have a question. I am 24 and I just started selling commercial insurance. My wife and I have about 70 k in student loans which we plan on paying back asap. I am going to have an additional 10k on top of my salary next year which I plan on saving until the end of the year and allocating it as I see fit. Everything I read says “compounding interest is the bomb” but then says “don’t save, pay down debt”. Now, I hate debt but I want to take full advantage of our young age and compounding interest. What would you recommend I do with extra 10k if we already put and extra $200 towards debt a month and we have an emegency fund in place? Fully Fund our IRA’s for the year or pay down a loan? I feel like there is no right or wrong answer. Your thoughts?
I feel focus and discipline flow in my spine to make complete change, now that had appeared to make several mistake due to lack of mentorship, guidance and motivation, how and where should I begin. However I’m the sole breadwinner taking care of Mum, Wife and children but willing to help the poor and needy, the vulnerable in our society. Can I achieve the millionaire dream?
As someone who's acutely interested in passive income and online marketing, I speak to a great deal of people who are successful, but rarely do I personally come across someone who's had such an immensely interesting journey that it screams attention. While success is certainly alluring, most people don't have the wherewithal to suffer through such life-altering and suffocating failures, and to not only reemerge on the shores of hope, but to create a life of sheer and utter abundance in the process.
Online business is how I’ve made a living since 2003 and what has helped me retire early.  I make over $40,000 a month through my blog. You can create your own blog here with my easy 15-minute step-by-step tutorial.  You can start a blog for as little as $2.95 a month (less than a cup of coffee!).  Create a blog and leverage it into affiliate sales or product endorsement deals. Consider topics like:
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.

Remember the steps from point 2: Make more money, spend less, and invest wisely. Point 3 covered making more money, and this one covers spending less. Make a detailed budget for yourself based on your projected income and your current expenses. Set firm limits for your expenses, and keep a close eye on where most of your money goes--you might be surprised at some of the areas where you waste the most money. Once identified, you can start refining your budget to spend as little as possible, and funnel the rest into a savings or investment program.

×