If your youngest child is really interested in OT, then I suggest Colorado State University’s program. I have several friends who were in the OT program there while I was a post-doc in the chemistry dept. Its a great program, and about 98% of grads land jobs immediately. Also, Fort Collins is a nice town on the Front Range with access to all kinds of outdoor fun. Its not far from Denver or Boulder. The people are friendly, and the cost of living is pretty cheap. I work on the East Coast now at a biotech, but not a day goes by that I don’t dream of moving back to CO.
The main problem I have with the 401k is that the investment options suck. All the mutual funds (including target date funds) have a high front load fee (4.25%-5.25%) and high expense ratio (0.9%-to-2.0%). With the ROTH I get the benefits of low-cost (0.05%-0.30%), no-load index funds. In some respects there is little difference between the after-tax dollars in a ROTH with no-load funds and pre-tax dollars in a fund that immediately siphon 4.25% out. Sure, I’m taking a upfront hit on the taxes with the ROTH. However, I am also going to be taking an upfront hit from the front load fees and a continual hit with the higher expense ratio in the 401k
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.
university grades arent everything. yoy just need the bare minimum to reach whatever goal it is you want. 90% of the time youll learn everything on job and your grades wont mean shit. btw check out how many phds, masters, and undergrads work st your local starbucks. right now btw my friends and i, all who have degrees, the median is around 40k. with the upper end at 80k.

You don’t exactly have stellar punctuation, yourself. You come across as mean, reactionary and elitist. Telling people they don’t write well enough to read an article? For real? I didn’t realize the written word was supposed to be safe-guarded from people whose written skills are deemed unworthy. With that logic, no preschooler should ever read anything, ever. Had you considered that maybe he was replying using a mobile device? Not every device comes ready to add contractions to words, and for the sake of quickly getting your point across, you just roll with it. You didn’t even comment on the content of his remarks. Learn to read for meaning and you will be more successful at criticizing others. If you criticize only the superficial, you will be seen as superficial and lose every time. BTW (see what I did there?), it’s widely accepted that people who pick at grammar only do so when they have nothing substantive to contribute. Questioning his intelligence because of his punctuation only calls into question your own. Best of luck to you.


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If you see a job listing with a salary of 12k, that means you willbe receiving 12,000 in your country's currency for a year. Assuming you are in the United States, making minimum wage ($7.25an hour) at 40 hours a week will give you around $15,000 per yearbefore taxes. Making $12,000 for full-time work is below the UnitedStates' federal minimum wage, but would be a typical salary for apart-time job.
Freelancer – refer people to developers, designers, and other freelancers you’ve worked with and make 100% of Freelancer’s project commission for the first 90 days. I get a lot of people requesting WordPress speed optimization services… so I refer them to my developers with a freelancer affiliate link and make $125/month in passive income. You can’t use affiliate links to link to specific freelancer profiles, so I direct people to the homepage via affiliate link and give people my developer’s usernames.
Hello I just stumbled across your blog and I needed some advice, which is greatly appreciated. I graduated with a degree in accounting with a B average, got fired as a trainee after 4 months out. Decided to try my hand at med. Did a few courses did a little better. decided to go back to accounting and could not for the life of me a get a job, not even at the small firms. Finally got another accounting job 3 years after graduation, which i also got canned from. Then again tried to go back in to accounting cannot get a job. I am now almost 30 working a crap job and i really don’t know what to do. I want to go into IT possibly cyber security; I am thinking fuck it maybe nursing; or maybe a diploma program as an electrical engineer technologist . Part of the reason I can’t get a job in accounting because I have a shit reputation with my peers and the city I live in. Long story short I was a bit of a hot head in college and did not take shit from anyone. Great at making enemies not so could at making friends. I figure if I do IT I will stick with accounting as well if I can get my CPA that would make me valuable. But with this linkedin environment I am afraid my reputation will deny my opportunity in the IT field. I just don’t want to be in this position. i want more but I don’t want to make any mistakes. I really don’t know what to do or what strategy would be best. At the end of the day I want to provide for the people I care about. I have crap reputation and I think starting over is the best route, I can do IT + accounting; healthcare; electrical engineering. Any advice would be greatly appreciated.
Google Autocomplete – go to google.com, start typing a phrase and look at the dropdown autocomplete results. You can use the underscore character “_” to have Google fill-in-the-blank. Just make sure the last character you type is an underscore. Try using plurals and change the word ordering to see different results. This is how I find 90% of my keywords.
I work the first month of school but then quit my job because the engineering was too intense to work and do the workload and expect to get stellar grades. I live in my parents studio apartment, have a full ride scholarship that pays 100% of everything + pays me extra money. I am now making money to attend school and have a new profit for my income/expenses for the school year. Then I get into another engineering internship for the summer. I believe I make around 8k for that. NW is 50-60k going into sophomore year. I get another internship for NASA this summer making 16.75 an hour * 16 weeks. I was a contractor so I have to pay the full SS amount. I probably clear around 7k there. Pushing my NW to 60-70k. Then the next year I start working a year round job junior year (rising senior). I am ahead on my credits again so I work 25-30 hours a week during senior year and full time during the school year. I pull down around 37k over that summer senior year. Pushing my NW to ~ 110k. I graduate around 110k NW, debt free with a job offering me a job package of ~110k a year at 22 and sending me to get my MSEE. I work that summer and save another 15k. I go into graduate school with ~120k or so in the bank. I move to another state for graduate school get a large fellowship + a portion of my salary to go to school. Finish the school year and work 1 more summer and here I am. 23 ~ NW about 140k going into my final semester of grad school.
I love following your story and I appreciate how you are trying to teach your peers about money and maternity leaves, etc… You are an inspiration for your generation. You love your job and you are a role model but you also believe that we should all strive to be who we want to be and get paid for it. Keep swinging, Penny! You’re hitting home runs already!
Pradeep, in IT, there’s no getting around not taking tests towards certifications. Certifications is what gets you PAID in IT. Trust me. I career-changed into IT in my mid-twenties. I took a Cisco boot camp, got 3 CCNA certifications (Routing & Switching, Security, Wireless) and finally got a job as a wireless network engineer starting out at 50k/yr. It was shit and I had to travel 100% installing and configuring WiFi in Hilton hotels for an AT&T project BUT I had to get more experience to land a 9-5 with a regular company…and I did.
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]
The Patent Office is an ideal place to work for engineers looking to start a side gig. I went to law school instead (poor choice maybe, but I wasn’t reading your blog back then). Depending on the economy, the Patent Office pays for law school as well. They didn’t pay when I was there during the recession, but because the salary is good I was able to go to a top IP law school (George Washington) with only $30k in loans, which I paid off within a year of graduating.
There are plenty of different avenues you can take to breach that magical six figure mark. Doctors and lawyers routinely make multiple six figures. Longshoremen (dockworker) average $120,000 a year as we discovered during the Oakland longshoremen strike in 2001 and 2015. After 20 years on the police force and fire department, the majority of our brave men and women make $100,000+. Not only that, their capitalized pensions are worth millions!
Things to note – in senior year I applied my scholarship to do my first year of my MBA in finance at my university. At 23 I bought an apartment complex which gives 10%+ ROI. At graduation in December I’m eyeing to be pulling 140k before my 24th bday. So that’s been my journey. To a high net worth ~130-140k + a ~ 140k income at 23. My issue is I’ll have a NW still around 140k at 24 (because I’m living it up this 1 semester woot woot and not saving much for 4 months). So I’m troubled figuring out how I can turn 140k + my high income to 1 million before 28 to keep pace with Sam. When school finishes I plan to buy more apartment complex’s continue to buy index funds, save over 95% still and get back to working on a project and finance site as I’ll have more free time with engineering school over finally. Still with that, I’m not sure how to make 860k in 4 years… thinking I’ll have to go to finance or consulting and pray for big bonuses to make it happen because otherwise I’m not sure how to keep up with Sam :) any ideas people?
This is brilliant. A really in depth a thorough post. It has to be all about the content and delivery. Plus natural soft-pitching is so much better to me than a soandsoreview.com site. Blogs are becoming a highly valued tool for marketers and more and more people nowadays are getting their wallets out from review or guide posts that they read on blogs.
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.
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.
Hello, I am a Sophomore in college at Humboldt state majoring in Biology currently and I am only doing that because I wanted to be a vet but now I have changed my mind but people around be are saying to stick with biology. I have heard of the idea applying to the top companies but I am interested in what field i should be majoring in. I went and talk to the business major counselor and that didn’t sound like anything I would be good at and enjoy ( as with all the majors right now). So my question to you is what major would be good to do to apply for the top companies ? and will the career be just like the major?
There are less than 10 orchestras in the US that pay $100k or more. Depending on the instrument there are only about 0 to 5 position openings total (5 being maybe violin, 0 is maybe a tuba position) per year from those top orchestras. Each year, there are thousands of graduates from top music schools and they compete for that position in auditions. I auditioned and failed so many times I lost count. Of course when the economy sinks, the number of auditions decline even more. (orchestra tries to save money by hiring temp subs instead which is detrimental to the artistic quality)
Hey Tom, thanks for this tutorial – it’s a good thing to get a tutorial like this from a trusted person like you and not from the thousands of (sometimes) confusing articles about passive income/affiliate marketing/clickfunnels and what not that I come across from time to time, I am making a living as a web designer and I have been thinking of pivoting from design and creative work to focus on passive income but didn’t know where to start. This is the perfect foundation article I have seen so far and I ‘d like to ask if you have any further reading/guides/videos on affiliate marketing that you’d recommend. I like to do my deep research before starting :) One more thing, there are some broken or missing images in this article, it could be my browser but check from your side too because there are quite a few images (e.g your Mercedes) that are missing. Thanks
There are only 3 kind of people in line for 6 , 7, or 8+ and while articles like this spark interest and get responses, they quickly show that they aren’t really making this kind of money . If they were, they would have a way for others to join them, would respond to the questions/inquiries posted right below their post comment. These people are not doing what they claim.
In order to make sales you first need to find people to buy those products, right? For many people starting with the 7 figure franchise the topic of getting website traffic is going to be a little new to them and it’s something that can stump a lot of people. The truth is many people who try internet marketing will give up purely because they don’t have a way of getting targeted traffic to purchase the product or service that they’re selling/promoting.

ShareASale offers pay-per-sale, pay-per-lead, and pay-per-click programs, with a minimum payout of $50. ShareASale is my favorite affiliate program network because of their large marketplace (they have tons of blogger-friendly affiliate programs) and the ease of use. If you want to make money through affiliate marketing, I highly recommend you give ShareASale a try.

Michael Cheney claims he makes an almost effortless $39,041.46 every month. It’s interesting to note how he makes that figure with its fractions consistently. How’s that possible? Amazing! He further claims that his Commission Black Ops includes the best sales tactics known to the human race that even stark newbies can use to amass a fortune for themselves.
There are a limited number of scholarships available for flight students but I wouldn’t count on those; competition is fierce and there are very few awarded. Anyone starting now and taking the civilian path to a flying job needs to be prepared to make a hefty initial investment. There’s really no getting around that, but as you said there loans are certainly an option. Also, for those with prior military service, the GI Bill can be used for flight training. Hope this helps.
I just graduated college at at the age of 23 and now working in the tech industry (hardware) in south bay area with a salary of 70k + 25% salary bonus every year and 80k in stock vested 5 years given every 2 years. However, promotions and hierarchy in the company seems to be very flat. Plus, it seems that the role i’m holding is extremely specialized. No other company will pay this much for someone with 0 experience in the industry. Now, how do i overcome this “putting all eggs in a basket” thing, and start rolling with decent raises without risking any setback? At the age of 23, i’m sometimes sleepless at night to think of a way to optimize my future while not giving up any advantages that i’ve tried so hard to get. I absolutely love my job, but any suggestion to have a backup plan in case the worst thing happens ? Was thinking about learning extra software or data science stuff, but you just mentioned that I would likely need desire, a focused desire if anything.

As is the case for most professional reviewers, many of the books I review on this site have been provided by the publisher or author, at no cost to me. I've also reviewed books that I bought, because they were worthy of your time. And I've also received dozens of review copies at no charge that do not get reviewed, either because they are not worthy or because they don't meet the subject criteria for this column, or simply because I haven't gotten around to them yet, since I only review one book per month. I have far more books in my office than I will ever read, and the receipt of a free book does not affect my review.
Very easy my dear friend, I think reading this article, any body can make money online. So the basic idea of this whole article was -affiliate marketing through email list. Another method that is totally working and i am able to generate an average 20-50$ per days is just post proper review on any popular system and fully optimize that so that that review can rank higher in search results. This method will generate endless affiliate income for you.

Well written article, I have learned new affiliate networks, that I didn’t have knowledge about. Affiliate marketing is one of the best ways to make big money online. Many people try it, but give up when sales don’t come, in my opinion, achieving success in affiliate marketing requires you to choose the right networks to promote, and have patience. Simple advice should be not to try to promote everything you come across, do research and test to find out what works best. Thanks for sharing this great article.

Nerds got a lot of grief in grade school. They were picked on, made fun of, called, “NERD” and other much worse things…lol. But as a grown up “Nerd” I can look back at all the jocks and have the last laugh cause it’s me who is now successful (and better looking), and their 10 seconds of fame on the HS Varsity football team resulted in a job at McDonald’s cause they “ain’t got no edjukaton”. Cheers to all those who are smart, took the grief, and are now living the good life! 🙂
Love this story! I finished college in 3 years back in the 80’s because of AP/community college credits and stayed another year to finish my Master’s degree (which was required in my state for professional certification). And I swam fast and got money to help each year. I also got my entire doctorate paid for which was awesome! Not an engineer though – a teacher, but still got me to FI earlier than many!

I didn’t go back to technology until 2004 and didn’t start getting more focused on reclaiming financial independence until about 5 yrs ago, I guess. I’m still not as focused on FI as you and many of your readers are (or maybe used to be) – balance NOW is just as important to me as FI SOON. I’m wary of selling the present to the future, even if the future promises a sweet deal in exchange.


The Six Figure Mentors have a tiered membership training program that takes you from totoal digital newbie to empowered online entrepreneur. They offer various training packages that cater to different stages of your personal/professional development. Pricing starts from $197 for the basic membership package but goes all the way up to $20,000 for the top level training they offer.
P.S. If you’re just starting out (like, you’re a REALLY new blogger and have not started your blog yet), check out this 4-part blogging for beginners guide where you will learn how to start a blog in 20 minutes. It’s been shared over 50,000 times and has helped thousands of new bloggers like you start successful blogs. It’s not that hard. You can do it. Feel the fear and do it anyway.
Households may also be differentiated among each other, depending on whether or not they have one or multiple income earners (the high female participation in the economy means that many households have two working members[15]). For example, in 2005 the median household income for a two income earner households was $67,000 while the median income for an individual employed full-time with a graduate degree was in excess of $60,000, demonstrating that nearly half of individuals with a graduate degree have higher earnings than most dual income households.[8]
Thank you for your comment, but I don’t think I felt the need to comment if your post was about “six figures can be achieved in a variety of industries if one is the top of their field”. Don’t we all know that? College prof, photographers, athletes, actors, dancers, musicians, designers, personal trainers etc. You wouldn’t list these as $100k+ industries, do you? I wrote my last comment to explain that symphony orchestra industry also does not fit into the “industries that often pay six figures within 3 years out of school”.
I totally hear you with deciding on your affiliate products first, and then designing a blog around that decision. I am currently in a niche where the few affiliate products around are fairly low-commission, so it makes earning a decent living with them nearly impossible. Also, the audience is seasonal, so sales spike and then drop to nothing a couple times a year.
Hey Cristina. The only way to achieve those figures is to build your own business and become your own boss. It takes hard work and dedication, and it ALWAYS takes money to make money on some level. If you want to make a million dollars, you best believe there are start up costs. The key is to find the right opportunity, with a low start up cost, and an IMMENSE support system in place. You need to find Mentors who have already achieved what you want to achieve and emulate their daily actions and habits.
I believe a far more effective way to monetize your website is by offering consulting or other services, and/or selling digital products. In fact, that’s how I monetized AlexisGrant.com, where I only see between 13,000-16,000 unique visitors each month. (See my ebooks here.) Once you have a significant amount of traffic — I’d say at least 10,000 unique visitors a month — you can also add direct-buy advertising to the pile.
Hey, Sam! Great article/read. Also, i’m not sure if you’re the right guy to ask (bother? lol) but I just turned 20 and I basically got really mediocre grades at my mediocre community college and i’ll be getting my diploma next year. Not that getting into policing will be too much difficulty, but being a high ranking officer, such as a chief, that pays very well might be a bit of a stretch later down the line. I could go back and EASLY get A’s but the idea of going back to school and doing the same thing… ehhh…. I might consider doing it later, perhaps when i’m 30ish and gotten some experience as being an officer. What would you recommend? I’m open to anything. Thanks mate.
I love the attitude! And imagery. I can see it all as I visited New Delhi, a girl, hydra bod, and Bangalore back into thousand and three and then in Mumbai into thousand eight and two weeks before the terrorist attacks at my hotel ov visited New Delhi, agra, Hyderabad l, and Bangalore back into thousand and three and then in Mumbai into thousand eight and two weeks before the terrorist attacks hit my hotel oberoi!

To be assured of stable revenue inflows, you must definitely have reliable access to the internet. It also entails regular and prolonged contacts with the internet every quite often. This means you have to be online 24 hours a day if possible. In case your internet connectivity is unreliable, you may not be able to leverage its advantages to the fullest extent.


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]
Second, I gave hired a lot of summer interns over the years as well as people just coming out of their bachelors. Degrees from top schools do matter. Sorry, but they do. Not necessarily Ivy league, but we all know the to- programs in our fields and the best internships go to people in those programs. A lot of internships are gained through connections and connections come from professors and people known in their field so where you are in school matters. That said, going your first couple years ar a community college is a great strategy to save money and figure out what degree you want to oursue. Transfering to a right program is easier and smarter than getting in as a freshman.
Also at this stage, I’m not collecting E-mails. How do you think I should approach this? I’ve got a sidebar and I was thinking of using OptinSkin on the sidebar and also at the bottom of my posts but I’m worried my posts don’t get visited as often as the homepage and review pages. Do you think I should add a form to those specific pages as those are my pitch pages promoting the affiliate products? Would definitely get more subscribers that way but I’m worried I’ll lead them away from the sale.
Canada. In my experience you just give the degree, though the first job I did also show them my transcript. Focus appears to be more on work experience than GPA. In fact, bragging about GPA could backfire as people might not be interested in hiring an “academic!” I’ve only seen a handful of CVs though, and it’s possible that my career advisor was wrong on this point.
As a service provider to several different types of business owners over the past 25 years, I think it is not the education but rather the execution of process and people that make the difference. More times than not I have seen educations get in the way of continuing education than not. Truly the learning or connection making does not stop at school and to imagine that it only starts there is foolish.
If you do need glamour or excitement on the job, working as a pilot might be the right choice for you. Pilots have many options, including working for commercial airlines, cargo airlines, and corporations. The average annual salary for a pilot is $110,000, but many experienced pilots make twice that amount. Salaries vary based on ratings, experience, and type of license (e.g. sport pilot license vs commercial or airline transport)
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.
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