Now for a dose of cold water, I got straight A’s in high school, but I was born poor and in a small town. Neither my parents nor I or anyone else had high money. We had enough to get by month to month. After school education was out of the question just based on cost alone. I had few choices but to join Uncle Sam and his merry band of sailors, painting and scrubbing decks around the world. I served my country until I decided to leave the navy-He guess what happened, no jobs for a former sailor with considerable weapons system experience. I spent three years homeless and destitute and hanging onto faded views of honor and discipline. Point being is that you put out all this financial stuff about straight A’s and good grades but you have not lived in the real world. Good grades don’t mean anything when you don’t have any money and don’t believe the hype about the GI BILL. What a joke of a program-Fraud and red tape to make you blush. Get real, I invite you to find a way to save my failing mortgage and invigorate my financial future. I don’t think you the writer of this webpage could, I owe in excess of 200 grand on a bad mortgage and im about to lose it. I can tell you everything about weapons systems, that’s what I was trained to do and I have lived a violent life. If any of this get rich quick stuff actually worked we would all be millionaires. Later
Many students in high school and college are bored due to the courses being to easy and don’t feel the need put effort into the perfect gpa rat race. Just because you can obsorb and regurgitate the material does not mean you will be a hard working, loyal and reliable employee. If your GPA is 4.0, you can still be a horrible employee. How many employees go to highly ranked schools and get high gpas in studies which have no real use in the real world. Does that mean mean that 4.0 student was wise in making that decision, I don’t believe so. It’s more on how do you want to live your life.
Thanks John and Sam – I’ll shoot this one over to my 22 yr old daughter who is about to graduate with an applied math degree. She plans to work for technology companies, probably starting with data analysis and visualization, which will pay over $100k within a few yrs depending on how much she wants to work. There isn’t any reason she can’t earn over $100k by 25, esp with me to help her get in (I’m in the biz…for maybe a few more years). I’m quite curious to see what kind of lifestyle she chooses. She’s smart and a good communicator, but she definitely isn’t the one yelling, “how high?” when some life-hating micromanager screams “JUMP!” :-)
Thanks for visiting. I recommend tracking your finances for two weeks and writing down everything you’ve spent money on. Then purge the unnecessary things and all that money into another savings account you can’t touch, or auto invest it in a digital wealth advisor like Wealthfront. The key is to cut fat and automate your savings and contributions. Do this for 10 years and you WILL have more money than you could ever realistically imagine.
Reading this just makes me want to go into a hole and never come out again… I would love to make around figures one day but college is drying me out. I live paycheck to paycheck and I feel like i’m going no where. I feel like I’m in a rut and I hate it. I don’t want to live like this for the rest of my life. can someone give a young person like me some advice on what to do in the future or now? I try so hard to save my money but when I have it… Read more »

Once you’re financially stable, I hope you start giving back. It feels good and people like the idea of supporting a good cause (they will be more likely to click your affiliate link in your disclaimer). This also means you don’t have to use as many links in your content and risk getting a penalized. Last year I donated $3,000 to Red Cross At Hurricane Harvey.
Capitalist class (1%) Top-level executives, high-rung politicians, heirs. Ivy League education common. Upper class (1%) Top-level executives, celebrities, heirs; income of $500,000+ common. Ivy league education common. The super-rich (0.9%) Multi-millionaires whose incomes commonly exceed $350,000; includes celebrities and powerful executives/politicians. Ivy League education common.
I loved the landing page idea. This would be very effective in one case ONLY. If you are promoting a product or a an eBook this would work very fine OR increasing an Email list by offering something for FREE. You know in this life “Nothing is for FREE”. So you are giving your visitor for an example “A guide to how to install a blog template in wordpress or blogger” or “how to monetize your blog?” a FREE guide will drive this visitor to type his email and hit the subscribe button right away. But if the visitor a PayPal Button he just click the MAGIC X button on the top of his browser. Landing pages are very effective when you know how to use them.

While I've sampled a few other programs along the way, I continue to promote only a select few programs on a regular basis. As far as affiliate program marketing goes, you won't find too many marketers who are as picky as I am. But picky works. Had I joined that very first affiliate program I looked at, I would have been lucky to make $5,000 last year in affiliate income. Not bad, but a far cry from 80K.
Only about 20 percent of American households even break the six-figure mark, according to Census Bureau data. But while many Americans still see that number as a prized income, it doesn’t necessarily roll out the red carpet anymore. Due to the rising costs of food, energy, college tuition, health insurance and the growing “necessities” of a middle-class life, a $100,000 salary in some parts of the country covers little more than the essentials.

Great post! I majored in Electrical Engineering, instead of going the tech route (mistake?) I went into infrastructure and engineering services. The work is pretty easy and I work no more than 40 hours a week. I’m in my early 30s moving up proves to be very hard even with PM experience and being a licensed PE, this industry is very flat… So I’m going to business school this fall to get an MBA part time. I sat in some classes and I actually love it. I never explored the possibility of studying business before but nonetheless I’ve had side interest in economics and leadership psychology for a long time and read a lot. Don’t know if I will see an ROI immediately but I am probably going to enjoy these courses.
Penny – Great post and you have gone beyond what most teachers do to maximize income. Teachers are underpaid. My wife taught for 18 years and the most she ever made was $26000 (when she was single in Alabama), but she would never have traded the experience and sense of accomplishment she had as teaching in a low income school district and helping kids envision a better future.
You can start your own business or work two jobs. Making an online income seems particularly trendy nowadays. I started Financial Samurai back in 2009. Three years later, I was able to leave my investment banking job to work on this site full time. You never know what you might be able to do. At the very least, register your name online and build your brand.
Great post. Good to read from someone whose career does not involve making 6 figures (sometimes while they are in their 20s)- if one follows the PF blogs, it’s easy to forget that the majority of the population makes nowhere near that! But being in that vast throng does not mean that it’s impossible to improve one’s lot, eventually make a high income, and someday reach FI.
Thanks for sharing your experience. It was a real eye-opener for me. I am new to affiliate marketing and am looking for ways to make a steady income. Your affiliate program seems to fit my needs. If you have the time email me with your affiliate link to signup and I hope you can help me get started the right way. Any assistance would be greatly appreciate. Be Blessed.

For example, Darren Rowse on DPS has a lot of photographers taking excellent photos with Canon and Nikon SLR cameras and then mentioning those cameras in their posts and/or tutorials. Although he might not directly sell or pitch those cameras, he would be making an absolute fortune from people who get inspired to purchase after seeing what gets produced.


I’m also a subscriber of Nichehacks. He promoted Commission Black Opt, I bought it because I trust him, but totally it’s crappy. Recently, he’s promoted something like “The Affiliate Godfather” or “The Cartel” from same Micheal Cheney. I don’t know if it is a good crappy product. I wonder why he can recommend his list about under-qualified products. I wasted too much time and money in such that product.


Is becoming a $100k+ earner in orchestras like SF symphony just as competitive as joining a major sports league? Maybe. It’s just that $100k+ symphony job openings are so rare that no one can really count on it. Orchestra is a very unique job and often general public don’t know how people got there. Of course not everyone value and want to support arts. But when those few $100k orchestra job salary disappear, the live symphony music we hear today will die.
Fast forward until junior year of high school and I got a job doing an engineering internship at a prestigious national internship. I believe I made ~11-12 an hour @ 17. That summer I made about 7700, So now I’m entering HS with about 23-25k in cash. Now senior year starts and I get a raise to 13ish (woot woot). I work 32 hours a week because I’m really far ahead on my credits, and do night school and sports to allow me to work a ton. In that year I make around 13k. That puts me just under 40k going into the summer. By the end of the summer as I start undergrad in engineering I have 40-45k + 5-10k in assets between my car, and some other hard assets. 18 years old – NW ~ 45-55k.
It was really a good post. Very detail information and described well. I have started my own with Amazon and also put there as shop for baby products from amazon. I am clear about my target customers but I don’t know how to reach them and from where to start. I have put my effort in the site and review but now need a through for my site. My site is about Barbie Dream House With Elevator usually kids like with and along with that all barbie products are also available and also baby products, health product are available in there program with Amazon. Anyone can visit and see that in https://www.barbiedollsdreamhouse.com
In your opinion what college degrees and respective careers are most likely to help me accomplish this financial goal? For example, I was once advised that a BS/MS in electrical or computer engineering paired with an MBA was one of the safest routes to a high-paying career (meaning you don’t have to rely on working for a specific company or in a specific area). Would you agree with this, or do you have other thoughts and ideas on the subject?
Ha! I not only lost 75% of it, I lost it in 3 weeks while wandering around in the Nepalese Himalayas…found out it was gone when I stumbled into an internet cafe after getting out of the mountains. I’d just had some perspective-altering experiences, including a night of protection from the Nepalese army while I watched Maoists firebomb a mountain town I’d just passed through…and an earlier surreal moment when I had to step over the dead bodies of a mother and child in India so I could get cash from a Citibank cash machine. At the exact moment my account came up in that Nepalese cafe and I blinked twice to make sure that small number was right, I heard bells ringing from outside the screenless window to my left. I looked over at an old man slumped down in the seat of his wooden cart absently flicking a donkey’s ass (is that redundant?) to keep them rolling down the dirt street. The cart passed malnourished children standing under prayer flags, snot running from their nostrils to their mouths, ignored, as usual. I turned back to my screen and laughed – sold most of what was left, logged off and got something to eat. That was the year 2000.
I will give you a very simple example. Let’s say you build up an audience of 50,000 readers and out of that 50k you have about 1% that trust you (1% of people that trust you online is actually very huge), so that equates to 500 readers. Out of that 500 readers you will have about 10% that will buy your eBook and other affiliate products, so 50 people total. So, if you are selling your eBook for $10, you will make $500. Of course it doesn’t stop there, those people that buy the eBook and like it will most likely recommend it, and you will have a snowball effect where more people keep buying your book and other affiliate products. This is just a rough example that shows you some realistic numbers. Do not ever think that if you build up a huge number of readers that they will all trust you and buy the products that you promote; if it was that easy everyone would be a millionaire by now.
Let’s suppose you use a reliable web hosting service for your own digital agency. You know that the web hosting provider is reliable and answers you 24/7. Convinced that the web hosting company will always deliver, you can recommend them to your existing customers – customers who might already be using your services, say social media marketing. The web hosting company keeps on paying you a commission until that customer stays with them.

If you follow all the steps above and don't make at least your purchase price back within 60 days simply email us michael@michaelcheney.com and we will arrange a live Skype session with you to verify you have met each one of the requirements. If you did, we will then pay you double your 7-Figure Franchise purchase price minus the profits you earned within 7 days of this live session. You must contact us between 61 and 68 days of your purchase today to claim the guarantee and meet all the requirements exactly as stated above. No exceptions.


While no one is asking us to starve (we’re not artists, for Pete’s sake), popular culture seems to support the notion that teachers can and should live on meager earnings. Take Matilda. You know, the Roald Dahl book you haven’t read since third grade. The teacher in the book who Matilda absolutely loves spends her days eating bread and butter because of her pittance of a salary. It’s a heartwarming tale of dedication.
I’m 29. I started a career in sales right out of High School and found my glass ceiling. I went back to school at 26, graduated with a degree in finance at 28 in may 2015, I just got my first offer as a securities specialist with a top 5 bank, (it’s an operations position in global market settlements) the pay is less than my draw was when I was selling, and I might as well live in my car because I’m going to spend about 2 and a half hours in the car everyday. I am trying to determine if I am selling myself short, or if this is a good place to get started. I ultimately want to work mutual funds. I’m trying to decide if I should keep looking for another position or hold out for more.
In the United States, the highest earning occupational group is referred to as white collar professionals. Individuals in this occupational classification tend to report the highest job satisfaction and highest incomes. Defining income based on title of a profession can be misleading, given that a professional title may indicate the type of education received, but does not always correlate with the actual day to day income-generating endeavors that are pursued.
Thank you very much for this informative article Tiffany! I have been trying so hard to find different ways to make money online. It can be very hard to find good information and it seems like so many people are just not honest. Your article covers exactly what I have been trying to learn so it was very helpful. I just started building an email list after learning from this free guide on how to build a customer list. http://eepurl.com/dIUXYz
I’m also a subscriber of Nichehacks. He promoted Commission Black Opt, I bought it because I trust him, but totally it’s crappy. Recently, he’s promoted something like “The Affiliate Godfather” or “The Cartel” from same Micheal Cheney. I don’t know if it is a good crappy product. I wonder why he can recommend his list about under-qualified products. I wasted too much time and money in such that product.
You didn’t mention engineering as a industry. Engineers have some of the best starting salaries out of college and many of my business partners have MBAs. I graduated with a masters in structural engineering and then 6 years later got qualified as a diver with an ADCI commercial dive card. Then I was making 100,000+ annually. I now have my own firm and make 200,000+ at 32 years old.
Target 1-2 Keywords Per Article – until you can successfully rank for 1 keyword for an article, don’t try targeting 2. Once you get the hang of it and are ready to write an article around 2, choose a secondary keyword that is a synonym of your primary keyword. An example would be “Slow WordPress Site” and “Why Is WordPress Slow.” Then craft your article title/SEO title/meta description to mention individual words of each – while making them read nicely.
I searched on Google to find a way to make money as an affiliate marketer. This website is well-constructed and you spoke very clearly. You laid the foundation down for most people to understand, if they have basic reading skills. I never knew how to create a landing page until I came on this site. A whole lot is what I’m learning from this website of yours. Great Job!

Long-Tail Keywords – specific keywords usually with 3-7 individual words in a phrase. They are highly targeted and MUCH easier to rank for than broad keywords (all mine are long-tail). The lower your domain authority (check using OSE), the less competitive (more long-tail) your keywords should be. If you can get more specific and the keyword still shows up in Google Autocomplete, Moz Keyword Explorer and other keyword tools… choose the SPECIFIC one.

No matter how much someone makes, anyone who lives beyond his or her means is going to feel financially pinched. While conspicuous consumption and blatant overspending is a problem, even those who try to keep an eye on their budget spend a large portion of their income on what financial advisers call “lifestyle inflation.” Koos says these are things that may not be necessities but are considered such at a certain income level. Many middle-class citizens now see cable, smartphones, tablets, computers, multiple televisions, Blu-ray players and gym memberships as “essential.”
First of all, Thanks @Alexis Grant to share this post with us… Well it’s true, if you have enough visitors to start in Affiliate program, you should go for it, You need to monetizing your blog according to your visitors interests.I am using amazon to promote affiliate links in some of my blogs and it’s a clear winner I must say, I am getting more than 5000 unique visitors daily and averagely earns upto 3,00,000(around 4500 $) per month… I would say go for it 🙂 🙂
My company has a program to promote people into jobs at the corporate office. The interest in these roles isn’t that great as the initial pay is comparable or less than what you make working in operations. Can’t forget the negatives of having to work in a corporate environment…commuting every day, being within driving distance of the office, having to maintain a certain appearance, etc. For me I have no interest in working a typical schedule ever again.

Household income changes over time, with income gains being substantially larger for the upper percentiles than for the lower percentiles.[19] All areas of the income strata have seen their incomes rise since the late 1960s, especially during the late 1990s.[18] The overall increase in household income is largely the result of an increase in the percentage of households with more than one income earner. While households with just one income earner, most commonly the male, were the norm in the middle of the 20th century, 42% of all households and the vast majority of married couple households now have two or more income earners. With so many households now having two income earners, the substantial increase in household income is easily explained:[15]


This is great for you because the products literally sell themselves, and as a 7 figure franchisee you get to keep 100% commissions on every sale that you generate promoting it which includes upsells, downsells, recurring products, and the high ticket backend product that I am talking about in this blog post the 7 figure franchisee business opportunity.
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