Harris, I think it depends on several factors. First, I recommend having a well established emergency fund that will be enough to cover several months living expenses. This will help you cover any unexpected expenses and avoid taking out additional debt. Next consider other short/medium term goals. For example, are you saving to buy a house, do you need to replace your car in the next two or three years, etc. Finally, consider the interest rates of your student loans and what you may be able to earn in an IRA and decide which option is best for your needs. Investing for retirement now could be a huge benefit for you and your wife when you reach retirement age, but eliminating debt increases cash flow and gives you peace of mind. Both options are solid. Best of luck.

Now, if you don’t know people who might want your coaching services, there are a number of online tools and communities that make it incredibly easy to find clients and teach, on just about any topic area you can think of. Community driven platforms like Savvy.is, Clarity.fm, and Coach.me provide you with a network of potential clients to interact with, as well an integrated payment solution.
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).
Tanisha, you can invest in index funds, which cover broad sections of the stock market, including the total US stock market, international stock markets, different sectors of the stock market (such as technology, health care, industrial technology, etc.). I recommend reading these beginners investing tips. You can do everything mentioned in this article in Alaska and just about anywhere else. Best of luck!
If you're unfamiliar with the concept of arbitrage, here's how it works. Wikipedia describes an arbitrage as effectively, "the practice of taking advantage of a price difference between two or more markets: striking a combination of matching deals that capitalize upon the imbalance, the profit being the difference between the market prices." Clothier was able to identify arbitrage opportunities in the grocery industry with precision. 
Zilok is free for individual members to create listings, but rental businesses have to pay fees. To list your item on Zilok, you’ll have to create a post with a description, photos and a price per day. Once a renter finds your product, Zilok takes a commission depending on the listing price. For everything under $10, the commission fee is $1. Fees range between 5% and 9% for all other price categories.
Here’s a good example of how lead sales can work in real life: My second website, Life Insurance by Jeff, brings in a ton of traffic from people who are searching the web to find answers to life insurance questions. While I used to have the website set up so I could sell these people life insurance myself, it was a lot of work to process all the different requests and clients. As a result, I started selling the leads I gathered instead.

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.

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.
Donating plasma can actually work out better than selling your blood.  It takes longer to donate plasma because they will put your red blood cells back in your system. The upside is that you can donate plasma as much as twice a week and you can make anywhere from $40-$60 per donation. You can make that $100 in less than a week if you can stomach the needle.

Use your credit card’s cash advance feature. Some credit cards will allow you to withdraw a certain amount of cash by using it at an ATM. This can help you come up with cash in a hurry. However, the interest rates on cash advances are usually much higher than the credit card’s usual interest rate, meaning that you will eventually have to pay more.[28]

You know those top-down cooking or craft videos you just can’t seem to get away from these days? There are people out there making a living from them. 78% of B2C companies depend on user-generated content, like those videos, for their marketing campaigns. You can sign up as a creator on a site like Darby Smart and potentially work with brands like Nordstrom, Mattel, and BarkBox. Or, learn how to master PPC advertising and you can use the content to build your YouTube following and monetize through ads and views.
I’ve used payday loan stores before, and so I know one does what one has to do — but I’m cringing at the idea of suggesting anyone take out a payday loan. Honestly, based on my own experiences and interviews I’ve done with people who have used them, I feel like whatever problems you have, you’re probably better off letting them happening and avoiding this path. Taking out a payday loan is a little like accepting a parachute with a hole in it. You may land safely… but do you really want to take that risk?
As for other tips, all I can say is “a penny saved is a penny earned”. If you are running out of ideas to make money, start saving. Some quick “low hanging fruit” tips to save some quick cash include – switch to MetroPCS or Boost for cellphone (I only pay $20/month), switch auto insurance to Insurance Panda ($25/month), and start using GasBuddy (saves me like $100/month at least. I drive a lot).

GlobalTestMarket — They pay up to $5 per survey just for sharing your opinions. Joining is easy — just enter your email address, fill out some information about your household, and you’re in. GlobalTestMarket has paid out over $34 million to members worldwide since 2014, so needless to say they’re the real deal. When you sign up with GlobalTestMarket, you’ll be automatically entered into their sweepstakes to for a chance to win $2,000.
What are the best ways to make money right away? While a search online when you're in need of some fast cash will produce millions of results, not all will be legitimate. It's up to you to filter through the so-called noise. These 32 strategies will help put you in the black, even if it's in a very small way. Once you are, resume planning and focusing on the bigger picture. 
What are the best ways to make money right away? While a search online when you're in need of some fast cash will produce millions of results, not all will be legitimate. It's up to you to filter through the so-called noise. These 32 strategies will help put you in the black, even if it's in a very small way. Once you are, resume planning and focusing on the bigger picture. 
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.
While droves of individuals salivate over the ability to live, work and play anywhere in the world that they chose to, most are primarily fixated on the ability to just earn a bit of money online. One stream of revenue would likely make the world of difference to many folks. But doing that seems to be an ever-increasing technical challenge. So it isn't about getting rich for a large degree of people, but rather, finding a way to earn just a little bit more money without all the added time it might take.
Offer to watch children or pets. If you know anyone who has children or pets, you could easily begin a side gig as a babysitter or pet sitter. To let people know you’re interested, send out a group email describing your services, post an ad on Facebook, or tell friends and acquaintances about your availability in person or over the phone. You can also create a profile on a babysitting referral site like Care.com.

The path to becoming a millionaire becomes easier once you get the process started. It all starts at the beginning with small lifestyle changes. For example, making small lifestyle changes to reduce your fixed monthly expenses can go a long way toward helping you spend less than you earn. This, in turn, makes it easier to save a little money each month. Once you have a little cash saved, small emergencies are no longer emergencies and you are no longer treading water. This makes it easier to invest.
Do you have a knack for writing or a background in development? There are thousands of freelance jobs available for people of all different areas of expertise. Sites like Upwork or Freelancer allow you to create a profile of what you bring to the table, and you can either apply for applicable jobs or get seeked out by people looking for freelancers.

This isn’t to scare you off. I simply want you to know that this guide is going to focus solely on ways to make real, sustainable extra income online. Not just a few bucks. I want to share all the mistakes I've made that got me to where I am now so that you don’t have to go through them, and can build a successful online source of income for yourself.

Become an Amazon Associate and then use Keyword planner to find an in-demand niche: With more than a million different products to choose from and up to 10% commission the sales you drive, Amazon’s affiliate program is a great place to get started. Browse their available products and see what connects with you. Or take it a step further and use Google’s Keyword Planner to quickly check how many people are searching for a specific term. With affiliate marketing, the more relevant traffic you can pull in, the more you’ll make off your site.
One should think about their skills, hobbies and basic daily habits as well. Do you like to cook? Be a personal cook or dinner parties. Baking? Make wedding cakes or cupcakes for weddings/special events. Do you enjoy cleaning? Trying going to banks/repo companies and ask if they are in need of a repo cleaner or market yourself as a all-around cleaner. Know how to mow a lawn? Get paid to do it in your neighborhood. Sell products from large companies – Jewelry in a candle, Sentsy, Health and home products – etc.
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.
The music industry might not be as strong as it was in the 80s, but there are still plenty of ways to make money online as a musician. Sites like SoundBetter let you sell your services as a songwriter, producer, or session musician to thousands of customers a month. While Musicbed, Music Vine, Marmoset, and SongFreedom are perfect for licensing your music to TV shows, movies, and web series.
If you wish you had a little more money in your pocket, you’re not alone. Fortunately, you have a variety of options when it comes to making money. Doing odd jobs is a quick and easy way to earn money. Similarly, reselling items or selling items you make can earn you extra cash. As another option, earn money online by writing a blog, freelancing, or doing online surveys.
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!

If you don’t live in a bottle deposit state, you can still cash in on recyclables by selling scrap metal. You may not have enough soda or beer cans lying around to make this worthwhile — and steel prices are so low right now, it’s not really worth the bother to go collecting them. But if you do have a lot of aluminum cans on hand, or if you have any scrap metal with copper in it, find a local recycling center and see what you’ll get (prices vary wildly by market). Still, unless you have a lot of copper pipes lying around the garage, or bags and bags and bags of old soda cans, realistically, we’re probably talking about getting $5 to $20 back.
Robert said he did an average of 4-6 of these gigs per year for a while depending on his schedule and the work involved. The best part is, he charged a flat rate that usually worked out to around $100 per hour. And remember, this was pay he was earning to advise people on the best ways to use social media tools like Facebook and Pinterest to grow their brands.
One of the cool things about Google AdSense is that it's so easy to get set up. If you have a blog or website, you can sign up for a free Google AdSense Account. From there, Google will give you a unique code that you will paste onto your website. Google takes it from there, tracking your page views, traffic, and earnings on your behalf. There is no upkeep or maintenance to get this thing going, which makes it a no-brainer if you have a website already.
Become a freelancer in an area where you have expertise. If you have a skill that’s in demand, you can sell your services directly to clients who need them. Advertise your services on a personal website and look for freelancing jobs on sites like Upwork, Freelancer, and Fivrr. Additionally, hand out business cards and encourage happy clients to tell others about your work. Here are some ways you can earn money as a freelancer:[15]
Etsy is the most popular online marketplace for handmade goods and crafts. From bracelets to phone cases, rings, furniture, and more, Etsy is perfect for anyone who is creative and wants to sell their handmade creations. As long as you have the space, this can make for one of the best ways to make money online that can be started with a very limited investment. Consider these 5 steps to starting an Etsy store, from Handmadeology.

I advocate for the Tim Ferris, multiple income stream strategy. It’s important to have a diversified portfolio and automatic income streams that supplement your basic income earned through work. Selecting the best investment and income streams requires a person do the research, but very basic strategies can be employed that grow the money nest. I think the article is right to say it’s better to earn rather than save more than you spend, because saving money can depend on very specific contexts, while earning money tends to be more predictive. Good article.


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!

Donating plasma can actually work out better than selling your blood.  It takes longer to donate plasma because they will put your red blood cells back in your system. The upside is that you can donate plasma as much as twice a week and you can make anywhere from $40-$60 per donation. You can make that $100 in less than a week if you can stomach the needle.
Selling clothes you no longer wear is a quick way to make some money. Start with local consignment shops for faster cash, or use sites like ThredUp and Poshmark to find buyers. If you go the online route, be sure to take clear, well-lit photos of your pieces and research similar items to set competitive prices. Get tips on how to sell your clothing.
Dennis cautions what not to do if you want/hope to be rich, and he provides plenty of real life examples of what he experienced to help provide you a solid understanding of what the path looks like once you are on it and just experienced a windfall. He surmises as do many other rich people like him, not surprisingly, that most of the path to riches is paved by those who ACT. He shares that's something that fewer than 2% of the population do for the things that they WANT...and he thinks that most of you won't act and won't get rich.

Avoid purchases that are likely to depreciate rapidly. Spending $50,000 on a car is sometimes considered a waste because it's likely that it won't be worth half that much in five years, regardless of how much work you put into it. As soon as you drive a new car off the lot, it depreciates about 20%-25% in value and continues to do so each year you own it. [2] That makes buying a car a very important financial decision.
Another option that isn’t quite cash back but is along the same lines of “make money by saving money” — the Honey Chrome extension. Whenever you head to your cart to check out, Honey searches for online coupon codes or better deals from different retailers. That means no more wasted time Googling “[insert store name] coupon code” just to come up empty-handed. Honey does all the legwork for you!
Being rich means something different to every individual. Some people are happy with a decent-sized home and a moderate-income job, while others want to be millionaires and billionaires. Regardless of where you feel you fall on the spectrum, these steps can help you achieve the level of wealth you want. Before you get started, though, make sure to sort out your current finances so your bank account is ready to expand.
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.
For example, a $200,000 mortgage on a 30-year loan will cost you another $186,500 in interest payments, so you are actually paying a total of $386,500 over the course of 30 years. On the other hand, if you are willing to pay a few extra hundred dollars a month (for example, $350) by refinancing to a 15-year loan (usually at a lower interest rate), you could pay your mortgage off in only 15 years, and the best part is you would save yourself a whopping $123,700 in interest. That's money in your pocket. Talk to a loan officer about your options.
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