Since I am so close, I won’t ask for more money or be aggressive because I don’t to jeopardize my retirement at 55. Losing 31K less pension plus 8K for medical is a total loss of 39K passive income. It takes $975,000 at 4% to generate 39K. With a better pension of 70K instead of 39K means that both pensions of 132K (70K+52K) will more than cover expenses. Then we can stop buying munis and that 2M of principle can be used to buy a decent place in Hawaii if we choose to. Wife said NO to buying so I have to work on her.

​Affiliate marketing is the practice of partnering with a company (becoming their affiliate) to receive a commission on a product. This method of generating income works the best for those with blogs and websites. Even then, it takes a long time to build up before it becomes passive. If you want to get started with affiliate marketing check out this great list of affiliate marketing programs.

13 Undeniable Facts About Financial Freedom


Tradedoubler was founded in 1999 by two young Swedish entrepreneurs. They have offices in the UK and multiple countries throughout Europe, including Sweden, Germany, France, Poland and Spain. Their focus has always been to provide smarter results for both clients and affiliates through technology. In 18 years, they’ve amassed an army of 180,000 active publishers, connecting them to over 2,000 merchants in Europe and the UK. Many of these merchants are household names.

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You can put up banners on your site, to promote your affiliate offers. Most affiliate programs will usually provide their own creatives when you sign up for their offers. All you have to do is insert the banner on a highly trafficked page (your affiliate tracking is usually embedded within the code). Banner ads in the right locations can do a great job of driving sales.  
In the BigCommerce affiliate program, you receive a 200% bounty per referral and $1,500 per Enterprise referral, with no cap on commissions. Plus, the more referrals you drive through the program, the higher your commission tier will go. BigCommerce uses an industry leading 90-day cookie, so you will receive credit for up to three months for the referrals you generate. Also, there are no obligations or minimum commitments to join the program.

Assuming you are doing pretty well and are happy with your current standard of living, what would you need to maintain your standard of living in retirement? Knowing you are on track to accumulate a nest egg to support that lifestyle is a big win. Gold medals go to those who have accumulated enough assets, or passive income streams, to be in a position to retire well. 
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