John loved the post (though petroleum is not all it’s cut out to be)… my buddy started at 125k + 25k signing in 2015. Was laid off 9 months later (got a 3 month severance). So he made 150k for 9 months worth of work but now he can’t find a job and he’s been looking about a year now… Electrical, Computer, and Chemical are very safe paths to quick bucks (assuming you have stellar grades – I graduated with a 3.9). Petroleum can have that boom, bust cycle that can screw the new guy! Not saying don’t go into it, just know the risks! And remember work your ass off – ADD VALUE to your company and make yourself INDISPENSIBLE so they won’t lay you off.
The opportunities for advancement with higher pay or fewer but if you were to go into a management role those guys pull down almost 200k. There is the negative/benefit of the schedule, you normally work a 7/7, 14/14, or a 28/28(overseas with crazy earning potential) where you work as many days as you’re off. When you’re working you’re not spending any money on living expenses and when you’re off you have the opportunity to pursue a side hustle.

I saw that and sort of snorted at the similarity between that and working in the arts and then laughed out loud when you wrote “we’re not artists, for Pete’s sake.” I have no idea why people think that noble or creative jobs are a reward in themselves. We all still have the same base expenses in life. If you’re working 40 hours a week in a job that provides any sort of value, you should be able to cover them.
As an IT. I work a 9-5 schedule 40+ hours a week but it’s not enough. I have big dreams that require $100K to fulfill. I am extremely ambitious, driven and motivated. However I keep looking but cannot find anything that would give me that much. I now have certificates and experience and keep applying to different jobs but no luck still. Any advice?
The quest for six figures gets even more complicated when you consider the ways in which our country tends to vilify any individual with a big income. Let’s look at Scrooge. Whether we’re talking about the original Dickens character or the McDuck cartoon version, one thing is abundantly clear: Rich people are misers who think little of others without divine intervention. News headlines describing real-life millionaires aren’t much more generous. But net worth doesn’t dictate self-worth. No one should apologize for seeking wealth.

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!
Most of the blogger or site owner are wanted to earn money by their blog or paid domain. Maximum time people choose affiliate marketing because of this sector has lots of opportunity to earn. But all of them are not follow the appropriate way or may be they do not know the way to do affiliate marketing. In fact i want to say that reading is post they are gain some easy idea to do affiliate marketing and they will be able to earn like you.
I like what I do but eventually would like to start my own engineering company. I feel like this is different than what Sam was referring to with regards to dissatisfaction with the work that engineers do. Engineering is a pretty easy gig honestly. I work 40 hours a week on engineering work and occasionally work a few extra hours on business development. I’m going to finish my masters in a few months (completely paid for by my company) and then be looking to make ~160 after that.
My goal is to sell a poster, a rather special poster which is the collation of all those TV programs that tell us about the events in the history of the universe. You know, “it’s so many million years since this volcano and so many billions since that extinction event” etc. I could never get a grip on where these events came in relation to everything else, so I started to assemble everything and put them in order. It’s only taken 4 years and a bit.
I am age 34 , working as an accountant with annual income 85k per annum, due to monthly commitment on properties & car, left 1k for saving each month. May i know is there a better way to maximize my current reserves to 200k per annum as per your article? i’m happy to have at least 10k passive income every month without working soon as i’m planning to have kids and looking forward to enjoy the lovely time seeing them grow up without a job constraint
This post was so helpful! I launched my blog in January and just started to try and monetize it in June. I’ve added some affiliate links for a few of the programs you recommended, so hopefully, I will see some results soon. I’m realizing that this is gonna be a harder journey than I originally thought, but thanks to bloggers like you I have great resources to guide me! Twitter.com/Disfordollars
You Don’t Need To Track Affiliate Links To Improve Conversions – you will always hear people telling you to track affiliate links. But for me, I generally use the same content about SiteGround on all my speed optimization articles… it is very important it converts well. Change your approach on how you recommend your affiliate product (it’s perfecting your sales pitch).
I am starting a new job soon (30/m/renter/$12,000 IRA) but importantly, no debt. $56000/year with a 5% 401k Match. I am having trouble determining whether I want to go all in on the 401k and forgo the ROTH IRA. Or go partial in on the 401k ($10,000/year) + max ROTH IRA. After all, the after income-tax dollars are going to be in the second lowest braced (15%).

Hey guys. Great post with detailed, actionable content. I would like to add my ‘2 cents’ if that’s ok. You are absolutely right with offering a ‘free gift’ in exchange for someone’s name and email address but I have found short reports have worked best for me. If you give away too much information for free they don’t tend to get consumed so the trust isn’t built with your subscriber. Your free gift is the first point of contact with your prospect so it’s unlikely they will read an entire ebook but if you give them a short report which they are able to consume in about 20 mins and they get tremendous value from they are more likely to listen to you in the future and buy your recommendations. A big mistake i see a lot of affiliates make is the content they use for their free giveaway. They think just because it’s given away for free that they can just throw together some PLR material and use that. Unfortunately that doesn’t cut it these days and will damage your relationship with your prospect rather than strengthen it. The best way is to carry out some research in your marketplace and see what pains and frustrations your prospects have and create your free giveaway around that.

Hello, Dawn, Your blog is beautiful! I started my beauty & lifestyle blog in March of this year so it’s going on8 months old now and I am really struggling to get traffic. I devote all my time to writing content and posting on Social Media but I just fell like I am doing something wrong.How long were you blogging before you started seeing your viewers go up and do you recommend any programs that you have or that you suggest are a must have. I can’t afford any $997 courses as of now but at tax time I would be willing to pay about $197if I know it’s gonna truly help me. Congrats on your success!


and finally, it is possible to find someone who is genuinely earning that high. They tell the truth when asked how to do it? that it requires intensity, focus, education/training/learning, stating power to not let hurdles stop you, know your market and all of your competition intimately.They had money to start with from a family member, giving them the chance to get set up to do all of th items listed above. They almost always have 1 close partner that works right beside them to collaborate with.

My first interaction with Sam was a comment I made on what would become one of Financial Samurai’s most popular posts of all time: The Average Net Worth For The Above Average Person. I argued some point and disclosed my six-figure income at the ripe age of 23. Sam suggested I share my story due to seeing widespread doubt that many people like me exist out there.

Personally, I don’t hate the job at the giant tech company, but it’s also something I don’t want to be doing for very long. Along with my wife, we’re taking the approach of living simply and saving ~70% of our income so we can walk away from it all financially independent in 5-10 years if we choose. If any of my side projects take off, we might be able to move onto a more digital-nomad type of location independent life even sooner than that.
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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)

As of 2002, there were approximately 146,000 (0.1%) households with incomes exceeding $1,500,000, while the top 0.01% or 11,000 households had incomes exceeding $5,500,000. The 400 highest tax payers in the nation had gross annual household incomes exceeding $87,000,000. Household incomes for this group have risen more dramatically than for any other. As a result, the gap between those who make less than one and half million dollars annually (99.9% of households) and those who make more (0.1%) has been steadily increasing, prompting The New York Times to proclaim that the "Richest Are Leaving Even the Rich Far Behind."[43]
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My career field is allied health, and I don’t put my GPA on my resume. I should, because it is pretty good. :) But I always thought it was bragging…. in my particular are of work, we are a small interconnected community and word of mouth usually gets the job. Words of wisdom… Don’t be mean to your clinical students… they could possibly be the next person who interview you for your next job.

I rarely work more than 40 hours (neither does my boss), my job is challenging in terms of problem solving but not stressful- read i’m not bored, my coworkers generally keep to themselves – no office drama, I get a nice raise and bonus every year, time off is generous, I work from home 25% of the time and I make around 150k all in. Graduate school was free through research and my undergrad degree cost less than my annual salary – paid for by bank of daddy. My house costs less than my annual salary. I don’t know of any other field that gives you such a high reward for very little effort. I didn’t have to go to med school for 10 years neither do I have to work 60 hour weeks or wear a stuffy suit. I wear blouses and jeans to work everyday and I’m easily the best dressed. Instead of jumping ship to management like many Engineers I’m developing my skills in a highly technical and specialized area with hopes of becoming an Independent Contractor around the 12 year mark, targeting around $220 and hour. You can do anything with a Chemical Engineering degree – both the diploma and the skills you will learn, I can’t sell this dream enough!


Thanks for the tips, Tiffany! It was very helpful. I just started my blog about a month ago and just signed up for Shareasale. I do have a further question. Do you know what blog post on Shareasale’s blog, gives me the best information in getting started and what I need to do? I am finding it hard to navigate my way through and really get an idea of the best way to start. It’s all quite overwhelming. Or is there a post that you have to guide me better?

Steve has been extremely clever here because his affiliate product is completely owned by his company. This is the perfect example of matching an affiliate to a traffic stream. He wrote a high quality evergreen article that naturally developed trust due to his strong brand and large community and then developed the app to solve the problem of thousands of people asking him, “Dude, is that food Paleo?”
Love this article! Another thing I wanted to add to the part about not being a donkey was debt. For instance, I am a sophomore at a Community college(getting my pre-reqs there for half the price of a state university), and because of my scholarship package, I am literally not paying a cent and this semester I got to pocket $2,000 of excess scholarship money, which I plan on saving for upcoming semesters or paying off a small loan I took out a while ago. Long story short, at this rate I forecast graduating debt-free(I am planning on attending undergrad b-school at UF or FSU since I am from Florida and can save a ton.) That won’t be the story of someone who squeaked past high school with a 2.7, and must graduate with a $30K+ student loan debt. Even if they land a good paying job, that debt will bite you in the butt.
The opportunities for advancement with higher pay or fewer but if you were to go into a management role those guys pull down almost 200k. There is the negative/benefit of the schedule, you normally work a 7/7, 14/14, or a 28/28(overseas with crazy earning potential) where you work as many days as you’re off. When you’re working you’re not spending any money on living expenses and when you’re off you have the opportunity to pursue a side hustle.

Thanks for sharing this information. I actually work as a Project Management consultant in the technology and healthcare industry but I really want to get into construction project management because I love architecture I was also interested in natural resources project management just for a change but, it is very difficult to switch from one industry to another any advice?


I also worked my ass off during high school, went to a public university with enough AP credit to graduate in three years with an English degree (gasp!) then received a Master’s in journalism (double gasp!) that costed next to nothing, because I moved back home with my parents and didn’t have to divulge their income on the FAFSA for a graduate degree. I went into tech marketing and was making six figures by the time I was 25.

I find it a bit "interesting" that Michael says it works like any other franchise. Basically, you are buying an expensive products from him so you have a right to sell his other products. In this scenario, Michael Cheney wins for 100% sure but you, the buyer, may either lose $1,977 or make even more (directly or indirectly) money to Michael if you succeed well.
Before my Dad passed when I was thirteen, he established in me a strong mindset of ” no matter what you do son, don’t half ass anything. I hate a half ass! ” Now I’m 26, and this mindset has blessed every part of my life. With nothing more than a high school education, self learning, and an “I can do better, learn more, and give my all” attitude, I now earn 120,000 as a maintenance mechanic at a chemical plant. I believe it’s smart to know that success isn’t just about how much you make, it’s about what you have vs. what you owe. I bought my first house at 19, and a 100+ acre farm at 25. You may not get that dream job right away, but if you don’t give it your all at everything, all the time, you can’t blame circumstances. The day, or days, you decide to be lazy, there is someone out there who is pushing, who is going the extra mile, and who might get that dream job you wanted because they put in the extra effort. If you are looking at college, I can say that everyone I know that got a degree in biomedical engineering landed high paying, travel the world jobs right out of college.
Some—like coaching and tutoring—are fairly specific to our careers. Others, though, are things most people could pursue. As teachers, we also have the option of picking up extra work on occasion by joining various curriculum teams (Who am I kidding? This is very rarely ever a paid assignment.), subbing, or even proctoring tests on the weekend or over the summer. It all adds up.
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.

Following my passion was definitely the wrong thing to do. I never advise anyone to ‘follow their passion, after what I went through. If your passion doesn’t pay a living wage, don’t follow it as your main career, follow it as your hobby. I wish someone would have told me thatthe first time around. Unfortunately, we didn’t have the internet and all these wonderful blogs when I went to college the first time.
The typical middle-class household in the United States is no longer a one-earner family, with one parent in the workforce and one at home full-time. Instead, the majority of families with small children now have both parents rising at dawn to commute to jobs so they can both pull in paychecks... Today the median income for a fully employed male is $41,670 per year (all numbers are inflation-adjusted to 2004 dollars)—nearly $800 less than his counterpart of a generation ago. The only real increase in wages for a family has come from the second paycheck earned by a working mother. – Elizabeth Warren, Harvard Magazine.[15]

And don't forget, in order to truly make personal recommendations, you'll need to be a CUSTOMER as well. I see far too many affiliates making personal recommendations without even making the investment in the product or service they are promoting. Not only will you lose credibility when you do this, you'll be limiting your marketing potential by not knowing the product like you should.
It’s important to factor in hours worked with salary earned. I earned a six figure salary and at 40 hours a week would have earned $65 an hour, breaking it down to basics. I averaged 70 hours a week, and the salary broken down to hourly was roughly $35. This is not factoring in insurance or other benefits. Quality of life was poor and I shared a high level of stress along with my other colleagues. We weren’t doing life saving work, this was in tech. It wasn’t worth it in the long run! The burnout was a lesson to… Read more »

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.

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.


The typical middle-class household in the United States is no longer a one-earner family, with one parent in the workforce and one at home full-time. Instead, the majority of families with small children now have both parents rising at dawn to commute to jobs so they can both pull in paychecks... Today the median income for a fully employed male is $41,670 per year (all numbers are inflation-adjusted to 2004 dollars)—nearly $800 less than his counterpart of a generation ago. The only real increase in wages for a family has come from the second paycheck earned by a working mother. – Elizabeth Warren, Harvard Magazine.[15]

A great point you made there though. Too many people try to take on too much at once and end up spreading themselves too thin – trying to conquer all the niches at the same time. Marketers also do this with advertising. Instead of sticking with one platform until they are generating a consistent number of leads they will jump from platform to platform, in essence chucking a load of crap at a wall and seeing what sticks.
If there’s one thing that all freelancers know, it is that their income is always ‘unpredictable’. Sometimes, you have work that you can’t even handle and sometimes, you are in desperate need for work. Your earnings as a freelancer depends on your time. The more time you spend, the more you will earn. This is why having recurring revenue can prove to be a significant factor of financial growth.
While grades aren’t everything, they do an excellent job of sticking out in a pile of resumes and getting your foot in the interview room. For example, I absolutely sucked at networking. I remember attending some welcome reception and walking around the room for 5 minutes before going back to my hotel room!  However, because I had a 4.0 GPA, I still got invited to over 25 interviews that semester. As a result, I became a Level 99 interviewee primed for dominance the following recruiting season.
I’ve seen college programs where they tell kids to “slow down” and take fewer credits to “ease in” to school and be successful. (My most recent job was college professor!) SURE – fewer credits, more years of college and a crapload more money for the school and debt for the student. There’s a difference between part-time (living at home, working, etc.) and slowing down (living on campus, taking at least 5-6 years to finish a degree).
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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.


This is interesting to me because I just accepted a medical sales job with a great company and there is a lot of opportunity, however I left a job I really miss (didn’t realize how much I liked it until I left). Although the income potential is high in med sales, I’m really not liking the lifestyle of being on the road all the time. I also moved to a new place for the job and don’t know anyone so that doesn’t help either. Is it better to stick it out and see if something changes or accept that I made a career mistake and try to get out asap? I guess I get torn between going after a good opportunity vs going back to a job with less potential but maybe something I’d enjoy more.
If you are a teacher and salary is your number one priority you better make sure your bargaining team knows, or better yet get involved in bargaining yourself, because the people with other priorities like pensions, healthcare, and paid leave certainly speak up in my local! Though thanks to the incredible work in states like WV, OK, and AZ I think teacher pay is finally being addressed.
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There are tons of free certifications that you can get that aren’t the “real deal” certifications like CCNA on the technical side or PMP on the functional side. But they are useful. They would be a great talking point for an interview. Maybe you took a Microsoft Azure Cloud Computing course (free), or learned how to use Salesforce (free on their trailhead training site).
Michael Cheney is a very creative presenter, I give him that. He used expressions like “golden dropzone,” “choose your weapon,” “select your target,” ”set your battle tactics,” “fire at will” and so on as the captions for his training modules. But what he taught in his Commission Black Ops doesn’t qualify for the “the greatest commission-creating tactic known to man” as he put it on his sales page. If you doubt it read on and see for yourself.