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.
[…] Money is basically made on the coasts with lots of it coming in from San Francisco, NYC, Boston and D.C. Therefore, it costs an arm and a leg to live around these metros. A median house in SF is going for around $1.1 Million, for example. It would be damn hard to make a living and reside in the SF Metro if one isn’t making $200,000 or more. […]
Without doubt that was by far the best summary of “Greatest Tips” I have read to date. It is so confusing out there…I want to help my son who struggles with cranky bossy managers to empowering him and havening him live life on his terms. I know affiliate marketing is the way out but where to start?? Do we set up on Shopify and offer other people’s products? Do we set up a blog with a few good links? Do you go to clickbank and peddle the China trinkets etc? Its a tough one to sort but this tutorial was an easy to understand read and you have my word that any of the hosting or other services offered I will use your affiliate link to thank you for sharing your knowledge and your mistakes. Sincerest thanks Tom!
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.
The problem with affiliate marketing, like many other home business options, are the so-called gurus and get-rich-quick programs that suggest affiliate marketing can be done fast and with little effort. Odds are you've read claims of affiliate marketing programs that say you can make hundreds of thousands of dollars a month doing almost nothing ("Three clicks to rich!"). Or, they suggest you can set up your affiliate site, and then forget it, except to check your bank deposits.
Believe it or not, many jobs that pay six figures do not require a four-year college degree. The examples listed here are just a few of the careers to consider in lieu of attending college. Pay varies depending upon experience, training, and physical location, but the average salaries for the jobs listed above are proof that making over $100,000 each year without a college degree is possible.

Yes, its possible. If you go in as a tech (for example GS-05), however, you will be stuck there forever regardless of performance (consecutive exemplary ratings here), schooling (Bachelors 3.5 & Masters 3.9), a voluntary war zone deployment, or wherever. Go in as a internship with scheduled grade increases (for example GS07 to 09 to 11 to 12) increasing every year or so.

Thanks for the thought provoking comment. It’s a question of idealism vs. practicality to me. I would absolutely support dictatorship or socialism if it meant responsible management of resources, equality and peace of life. But from history, we know leaders get corrupted or people take advantage of the system. Thus, we all play the game by ourselves to fight for our right to live the way we like…at least for those who are fortunate to be in a country that allows it.


I grew up in SF. Big city. And for high school I went to the ghetto side of town where a lot of the teachers were burned out. A few of them left for private school after 1-2 years of teaching where the pay is a lot higher. I would have done the same. At an inner city school, it’s more work and stress for less money and less respect. The actual kids weren’t great to deal with either. High schoolers aren’t as cute as 5th and 6th graders when they’re mad. These kids carried pocket knifes now!

I have a very similar story. I became a nurse as a career change, and now make over $200k. It’s very easy to work OT and second jobs as a nurse. My wife and I live in our 2 family, and rent out the basement apartment to help with the mortgage. Drive Prius and used Subaru, still able to do vacations, not worry about money month to month, we are in our late 30s now, 2 small kids, net worth over $600k and saving >50k per year.
Videos are great: you can do an unboxing video (see #10) and post it on multiple channels; you can create a recipe video or tutorial on a specific topic and link to those products both in the caption and in your Facebook shop (which you should create and direct people to); you can even do Facebook Live and mention certain affiliates where appropriate.
Several years ago when I started out try to make money online I chose a weight-loss product, built a pretty crappy site with WordPress, fashioned a ‘giveaway’ and an email series and linked it up to Aweber. I wrote several articles and submitted them to various directories then one day I was signing in to my AOL account when I saw an article on the Huffington Post about dieting. I wrote a comment along with a link to my website and pretty much forgot about it. The following day I was absolutely astounded to see that I had got 300 people signing up on my list. Over the week about 15% unsubscribed-probably as my email series was bobbins but by the last email contained a link to the product of which 17 people bought. As the commission was £42 (about $63 in those days) I made £714/$1071 with a crappy site, a crappy email series and a crappy comment. I (stupidly) have never done anything with it since-can you believe that? Anyway that site is still there and continues to make the occasional sale.
Similar situation to Every Cent counts. I graduated with BA in political science from a relatively unknown school. I’m 26, but will break 6 figures in 1-2 years max (95k currently). Currently I have offers for 110-130k not including bonuses (I like my job so refusing for now, because work-life was suffering). I read up on in-demand tech skills like advanced analytics and software engineering. That’s how I did it. You don’t need to work at google, just be solid at programming and know in-demand skills.
You found a topic that is of interest to a huge target audience (who doesn’t want to make 100k plus a year?) You spent some money so your website comes up while searching google (therefore generating more traffic to your page) and you’ve written this guide in a way that includes everyone (that way nobody feels like they aren’t able to achieve this same success) Throughout the article you’ve posted links to multiple products/companies which you earn revenue from each time someone clicks them. Along with that there are advertisements throughout that you’re gaining revenue on etc. So essentially, anyone reading this and clicking links is generating revenue for you. Touché
Having said the above, and bearing in mind that Panda aims for content quality which almost always translates into depth in content and information, SEO takes another picture. Co-citation, in regards to this, will probably be the new way Google evaluates relevance and importance of content. Even the Penguin update aims in a similar, slightly predictive direction. Panda favors articles including different words that provide some context to the topic. So writing in the “lingo” of a certain niche definitely gets you there.
Due to the education background, i’m aware that it is essential to building a security income for the future. Therefore i started working part time since young and save money for the rainy days. Of course i also like to go for travelling and enjoy good food with my family once in awhile. Currently i’m planning to maximize my existing reserve to passive income or higher returns. It will be awesome if you could provide me with some good advise :)
Great article! So I was wondering if I could get your advice? I’ll be graduating college in about 3 years and I should have around $200k saved in mutual funds, I’ve considered getting my degree in accounting (although I want to become a physician once I have a solid amount of money saved) and I was planning on trying to go work for my family’s CPA firm. What’s a reasonable amount I can save at most so I can attain a million in mutual fund savings? Considering that it’ll gain roughly 10% a year

Not that I recommend this as a permanent lifestyle, especially if you want to have kids some day, but you could always take one of those “Most Dangerous Jobs” as an oil platform worker, Alaska crabber, etc. which pay well, or even get into a decent skilled job in a manufacturing facility with a base of say, 50-60K after a few years, but work every shift of overtime you can get your hands on. Granted, I used to see many people miserable doing this, but they were bringing in 6 figures as a mechanic, pipefitter or in some cases, even HS level line workers. Finally, you can get a side job – like blogging!
North Dakota had a very significant boom and nearly all of that was tied to oil companies paying top dollar to relocate. Most positions were temporary or related to field operations rather than corporate offices moving in. When prices and activity fell, unfortunately these people had limited options for finding work in other industries in North Dakota. Perhaps the growth was too dependent on a single factor.
We also pay for the occasional epic blog post, plus digital tools like MailChimp ($150/month), hosting ($150/month), etc. Because the site has grown exponentially over the last 18 months — we now see about 115,000 unique visitors each month and have 23,000 newsletter subscribers — it costs more to run the site now than it did a year ago. We now spend about $3,000 a month to run The Write Life.
The funny thing of all this conversation is that I strongly believe that so long as one is a bit slow, or a dumb ass as i’d say, all the education from any school will not help them. There are many brain surgeons and such out there that should not be tampering with peoples oblangatas for obvious reasons. Furthermore, all of the business driven political asswipes in this country is exactly why we are kinda the laughing stock right now. Our beautiful reputation has been shot to hell by citizens who run their mouths for large amounts of money for a living. Then buying up multiple properties and multiple everything else’s, thus driving up the costs of everything and the majority of people are truly in this lower class because the middle class has vanished.
Get good grades, go to a top school, get hired by a prestigious company in IT, finance or become a doctor, lawyer, engineer. DUH!!! Nothing Earth shattering that I didn’t know. If you don’t have the aptitude for those careers, you’re screwed for 100K salary I guess. Actually, you can become an entrepreneur, buy a franchise, write and sell a screen play to a hit movie, write a best seller, or offer specialized personal services to rich people (chef, trainer). Of course there’s also pornography. The sex trade makes billions.
Thanks to NF’s growth and the popularity of my article on the Paleo Diet, this app continues to sell 100-200+ copies a day without a dollar spent on advertising. The number of downloads fluctuates depending on where we are ranking for “Paleo Diet” searches (I can pretty accurately predict app sales based on where the article is ranked on that day). Since launching the 99 cent app in December, it’s already been downloaded over 25,000 times.
Of course you want affiliates with high commissions, but they should also have a solid reputation with high conversions and low reversal rates (you get $0 if people cancel after signing up). If they’re part of an affiliate marketplace like ShareASale or ClickBank you can see some numbers there. Companies likes Amazon/SiteGround are safe bets, otherwise do your research (or track your affiliate links so you can monitor their performance). Avoid affiliates offering huge commissions since this probably means they’re struggling to acquire/retain customers naturally. This will hurt your numbers (specifically your conversions/reversal rates).
I am extraordinarily fortunate- I have no debt. However, I’m now seeing what foolish choices I’ve made. Coming out of school, I am working a 36k/ year job as a case manager (I live in a low cost of living Southern state). I want for nothing, but I live with my partner and have no dependents or debt to pay off. I know that once either of those come into the picture I will be financially hurting.

The result is a website that lists everything important that ever happened and I have begun to write a 1,000 word essay on each event. While selling the poster is the goal, completing the task of writing the full history has now become something of an obsession in its own right. It’s a big project and will take a couple of years to write the whole 300,000 words but at least I won’t be stuck for subjects to write about as they have already happened.
Thank you so much! I’m so happy you liked this post and the ideas in it. Yes, putting your affiliate post on a separate page is something I like to do but I’ve also just posted on my blog a new affiliate post and that’s good too! I feel if you’ve been blogging for a year or more and THEN start affiliate marketing, it might be a good idea to ease your audience into this by placing your affiliate post on a separate page!

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]
Is it possible to be financially saavy while still having an eye to a larger picture? i.e. How the choice of career or industry can affect the planet and our descendants? What good is it to have a six figure income if, in it’s application, the planet is not habitable for our grandchildren, or the purchase and consumption results in a feudal state of massive inequality? Have you noticed there is only one winner in a game of Monopoly, the rest are left bereft.

It is important to note that the above is an ideal type, a simplified model or reality using optimal circumstances. In reality other factors such as discrimination based on race, ethnicity and gender as well as aggressive political lobbying by certain professional organizations also influence personal income. An individual's personal career decisions, as well as his or her personal connections within the nation's economic institutions, are also likely to have an effect on income, status and whether or not an individual may be referred to as affluent.[9]
Now – no beating down on the FI topic, definitely strive to achieve it! Start early, decent career, good salary, great savings (do 401K max-out!!), additional specialization, either publish papers, patents, or present at conferences — which grows your respect and network (future job prospects). Do buy a home in “good” location/school-district, raise great kids/family, while increasing your equity in the house. Do have limited exposure to bad-habbits (but “controlled” ones, might I add), do cater to that inner-self/devil a bit.

I never advocate relying on affiliate income as your only form of revenue, or starting a blog with affiliate sales as your only monetizing strategy, because for most bloggers it amounts only to pennies, maybe dollars, and even that isn’t consistent. Sure, you might earn a few bucks here and there or a credit to put toward a service you use regularly. While every dollar’s welcome, of course, and this type of affiliate earnings can supplement other income, it’s not enough to support a family.
I’m also with you John, wondering how my life would have turned out if I went into Finance… (I’ll be finishing my mba with that focus and real estate though so perhaps later in life I’ll find out). There are plenty of opportunities to crush it out there folks. However, be weary of living in the Valley, cost of living will eat you alive. I know a few engineers I met when I was on my campus tour at Berkeley getting starting offers on their BS 105-115k + 40k in stock options at companies like Google, Microsoft, Apple… After you factor in costs you can’t save much so from building your NW I’m not sure that’s the best play…
One of the major stumbling blocks that hinder job seekers from gaining employment is usually the issue of experience. Most employers will often require their candidate to have worked in a similar niche for quite some time. This program grants job seekers such as vital resource. It is especially relevant to those who intend to pursue a career in sales and marketing.
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!

Hi John, 30 years old with no experience is no problem. You could realistically be employable at a major airline by age 35, and you’d still have a 30 year career ahead of you. It took me longer than that to get here, but as I mentioned before, there’s a severe pilot shortage coming and I think anyone starting now will have a quicker path to the majors than I did.
I was recently looking into this and came across a few videos online. There was this guy who said you can make commissions in under a week. I dont know if thats true but wanted to know if hes genuine or a scammer. This is the video he said it in: https://youtu.be/7sN6U73pZr0 . If not then who would you recommend for learning this stuff as it seems so confusing for me!
really appreciate that nice article about affiliate program’s i struggled for several years and even i want to start hosting i seen several articles but this one could be really different when compare to others i started a blog few days ago but i linked to adsense approval it doesn’t approved finally i want to write an articles i tried even but finally always dissatisfied about my articles and u wanna see my article so welcome to my blog healthyhintz.blogspot.in see the post once and suggest me about my article, one thing i send u lots of mails i don’t know u didn’t get or not. thank u see u soon
I am currently 24 and have above a 100k salary, but fall within the category of a financier. I work at a company that invests debt and equity into medium sized businesses. I also invest in equities on the side while managing my blog. I think I followed the post well, other than the fact that I didn’t go into engineering. I had to work very hard, get very good grades and develop my analysis skills to get where I am today. I love reading sites like this to continue to learn ways to boost my income and to hear from other like-minded individuals!
I really liked this article. I found it full of good information. I would like some advice from FS as I definitely fit into one of these categories. I have a B.S. from a good university and I have a good job in the medical field making $45k right now with the posibility of 1-5% raises every year. I know I am capable of doing and earning more. I made A’s, B’s, and C’s as a college student without really trying. I’ve considered getting a masters in buisness, but I don’t have a clear vision of what I would do with that. I can’t afford to waste time or money on a second degree if it isn’t going to earn me substantially more money. I have a wife and daughter and work full time. I am constantly looking for ways to make more money. Do you have any advice for me? Thank you.

I would look into Wealthfront and automatically contribute a set amount every month from your paycheck after tax. The first 15K under management is free and it’s just 0.25% after that. Sign up and play around with the risk tolerance meter to see what different type of portfolios they come up with. They do tax loss harvesting and automatically rebalance for you based on your risk tolerance. You don’t have to fund the account to see the different portfolios.
Yeah… HS was a busy time! School 730-230, sports 3-5, hw 7-12 M-F, Sunday hw 10-1am. I did that grades 9-11. Grade 12 I was ahead and worked a ton during the school year (32 hours a week) + sports + school. I actually didn’t do any community college courses, I did them at the state college that I attended. I was admitted as a HS student and the school district paid for everything – made it easier not having to worry about transfer credits.
As a new blogger, this post was amazingly informative and maybe a little over my head (I’m still getting the basics down and affiliates is beyond my reach this week.) But here’s a newbie question: what is your method for writing such rich content with all of the links (both to your own previous posts and to other blogs)? It takes a while to get through, which I like, because it’s chock full of good stuff. Do you have an idea of exactly who/what you’re going to include in the article when you start or do you get inspired as you write (and links come to mind that you want to inlcude)?
I come from a quite unsuccessful background of web design/SEO. I blogged because I knew it was good for SEO, but my articles never had a purpose regarding monetization. I finally took a leap of faith and dropped my clients to figure out blogging/affiliate marketing. I was good at website speed optimization and knew hosting was the #1 factor. Looking for the best, I saw SiteGround was rated #1 in multiple Facebook polls and had a great reputation with generous affiliate commissions. So I wrote detailed tutorials on website speed… how to configure WordPress cache plugins, hosting reviews, and other speed-related topics. Usually near the end of a post I would say “Oh, and here’s why you should switch to SiteGround” with evidence on why they’re the best… Facebook polls, Tweets, load time improvements, etc. That’s when things got good. I’ve been broke my whole life and it’s my calling to show people how do this.
Well, to be honest being patience and invest enough time and money is the key to get success in any online business and 7 Figure Franchise is not an exception. The problem is that first, it’s not worth $1997 at all because it only teaches you how to promote products of someone else and second, there is not any guarantee that you’ll get success if you follow training. Another negative points of 7 Figure Franchise is lack of support. If you stick on a level of training, nobody is there to help you out. You need to figure out everything by yourself which takes more of your valuable time.
Not to knock school, but I have to seriously disagree with this article. This is the same nonsense that has been brainwashing civilians to be perfect little 9 to 5 slaves for centuries. Listen, if you want to make real money, learn the tax code, learn about the 3 different types of income (Earned, Portfolio, and Passive) and how each differs in regards to taxes. Learn how to make your money work for you and not work for money. I’m not bashing the middle class for working to sustain or improve their lives, but to truly breach the limits of financial success, one must make a full commitment to FINANCIAL EDUCATION. Academic education will only improve your scholastic knowledge. Now leveraging the knowledge not necessary for a job but a venture that fills a requirement will benefit you to the max. Learning how to leverage money and assets will make you wealthier beyond your imagination.

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!
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.”
all my coworkers are like that. just a different breed from ur typical security-craving salaried workers. we hate micromanagement, cubicles, office politics, and anything slow. most of us like to live extravagantly. i like all the ideas presented on your blog, but i just know for some reason that i’ll never be as frugal or smart about my money as you. i like buying big shit like cars, boats, motorcycles, and luxury condos. i tried living frugally, but it really bothered me. like i was hiding a part of me. and it affected my confidence levels at work! i bet this sounds really weird, huh? lol sad but its true. so i just decided to make peace with myself. i’m a big spender so i better be a big earner.
Yeah… HS was a busy time! School 730-230, sports 3-5, hw 7-12 M-F, Sunday hw 10-1am. I did that grades 9-11. Grade 12 I was ahead and worked a ton during the school year (32 hours a week) + sports + school. I actually didn’t do any community college courses, I did them at the state college that I attended. I was admitted as a HS student and the school district paid for everything – made it easier not having to worry about transfer credits.

The top programs for petroleum engineering are offered by public universities, notably The University of Texas at Austin, Texas A&M, Louisiana State University, and Colorado School of Mines.  Much of the value of a PE degree comes from being able to obtain the best education on the market from public schools like these rather than obscenely priced private schools.
If you lack the time to read the details of the review, here’s the short version: Michael Cheney’s Commission Black Ops isn’t as the sales page claims. Your chances of making $1000 per day with it are very slim. You’ll discover that there’s really nothing exceptionally revealing or new about it. Some of the information in it are actually stuff you can get for free on the Internet. I provided proof for all these within the main body of the review below.
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