Most people believe the key to wealth is a high-paying job. Yes, it's easier to amass assets if you have more money coming in each month, but one key to increasing your net worth is to spend less than you make. Ultimately, spending habits are the reason a professional athlete making $20 million a year can quickly go bankrupt while a bus driver can retire a multi-millionaire. It can be a cliche but it is a fundamental reality of money.

If you want to add a little excitement to your passive income investing, meet Lending Club, the web-based peer-to-peer lending platform where investors looking for high-interest opportunities provide the funds for loans. You can earn interest rates in excess of 10 percent a year – about 10 times what you will earn on more conventional interest-bearing investments.


I have been reading some of your posts, and jlc and mmm, and I have no idea exactly where to post this question or to whom. My husband and I already live by debt-free principles, although not necessarily 100% minimalist, though I am trying to move us in that direction. Anyway, I am wondering if you or anyone knows how to calculate the impact of this lifestyle on children who reach college age? We have four kids, are car-free, pay low rent, and minimal expenses, and while we won’t necessarily reach FI before they all reach college age, I am wondering if there is a calculator to find the tipping point for income vs. savings vs. eligibility for college financial aid, to help us understand how the balance works. I just don’t want any surprises in that realm. My husband and I both paid most of our way through college, with a little help here and there, and my kids already understand that they have to work for what they want–we do not give them money, so they know that if they want money they go out into the neighborhood and work odd jobs for people who are willing to pay. The idea that they might have to pay their own way through college would not be a surprise to them, but I still want to proceed with knowledge of how all these factors fit together. Any direction you could give us on where to look for how to calculate these factors and their balance would be a huge help.

Although precise data are not available, the total household wealth in the world, excluding human capital, has been estimated at $125 trillion (US$125×1012) in year 2000.[37] Including human capital, the United Nations estimated it in 2008 to be $118 trillion in the United States alone.[6][7] According to the Kuznet's Hypothesis, inequality of wealth and income increases during the early phases of economic development, stabilizes and then becomes more equitable.
If the above locations do not yield information pertaining to affiliates, it may be the case that there exists a non-public affiliate program. Utilizing one of the common website correlation methods may provide clues about the affiliate network. The most definitive method for finding this information is to contact the website owner directly if a contact method can be located.

Partly as a result of different economic conditions of life, members of different social classes often have different value systems and view the world in different ways. As such, there exist different "conceptions of social reality, different aspirations and hopes and fears, different conceptions of the desirable."[33] The way the various social classes in society view wealth vary and these diverse characteristics are a fundamental dividing line among the classes. According to Richard H Ropers, the concentration of wealth in the United States is inequitably distributed.[34] In 1996, the United States federal government reported that the net worth of the top 1 percent of people in the United States was approximately equal to that of the bottom 90 percent. Cross-nationally, the United States has greater wealth inequality than other developed nations.[citation needed]
Many affiliate programs run with last-click attribution, where the affiliate receiving the last click before the sale gets 100% credit for the conversion. This is changing. With affiliate platforms providing new attribution models and reporting features, you are able to see a full-funnel, cross-channel view of how individual marketing tactics are working together. For example, you might see that a paid social campaign generated the first click, Affiliate X got click 2, and Affiliate Y got the last click. With this full picture, you can structure your affiliate commissions so that Affiliate X gets a percentage of the credit for the sale, even though they didn’t get the last click. 

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The underlying assumption is that we should all follow the same linear path from childhood until death, spending the majority of each day at work, trying to climb the ladder, to get a raise, to buy a bigger house, to fill it with an abundance of unnecessary possessions that provide very little satisfaction. Only after retiring is there freedom to explore, relax, or spend time with the people we love and cherish.

Economic terminology distinguishes between wealth and income. Wealth or savings is a stock variable – that is, it is measurable at a date in time, for example the value of an orchard on December 31 minus debt owed on the orchard. For a given amount of wealth, say at the beginning of the year, income from that wealth, as measurable over say a year is a flow variable. What marks the income as a flow is its measurement per unit of time, such as the value of apples yielded from the orchard per year.
It’s free to join the SellHealth affiliate program, though you do have to apply and be accepted before you can start promoting their products.  Once you’re accepted, you’ll have access to a number of tools, graphics, banners and more that you can use to promote SellHealth products.  The sales are actually made at company-owned Websites, which look professional and handle all of the selling. Commissions vary, but the base rate is 30% of all sales and upsells, and SellHealth says you can earn up to $350 per sale.
It’s important to add up all of this time and factor it into your compensation, so you can get an accurate picture of how much money you are trading for your time. Remember that money in infinite, but time is finite. You can always go out and make some extra money, but you’ll never get back you time. How much are you willing to trade your life for?

“We don’t promote a message of extreme frugality, he said. “Instead our message is based on ‘value’ being the guiding light behind purchasing decisions. We want to cut out the excess in our lives because it enables our monthly expenses to be lower and thus speeds the path to FI. In summary, it comes down to value, and I think it is a useful exercise to go through all the lines items in your budget and ask “Is this adding value to my life?”
Merchants receiving a large percentage of their revenue from the affiliate channel can become reliant on their affiliate partners. This can lead to affiliate marketers leveraging their important status to receive higher commissions and better deals with their advertisers. Whether it’s CPA, CPL, or CPC commission structures, there are a lot of high paying affiliate programs and affiliate marketers are in the driver’s seat.
You can make really good commissions from the eBay partner but it depends on the products which you decide to promote. Interestingly the commission levels vary according to where you are in the world not just on the products you decide to promote. One of the great reasons to sign up is that you can earn DOUBLE commissions in your first three months. They offer free to use link generators, ad creatives and widgets for you to promote different eBay items. eBay has over 162 Million active buyers which means there is a great potential to convert your traffic.

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Today there are thousands of bloggers documenting their financial independence journey’s, an incredibly active financial independence subreddit, hundreds of podcasts, and even a documentary about the FIRE movement that I’m in called Playing with FIRE that will be released soon and includes others members of the financial independence retire early community.
It’s important to know where your traffic is coming from and the demographics of your audience. This will allow you to customize your messaging so that you can provide the best affiliate product recommendations. You shouldn’t just focus on the vertical you’re in, but on the traffic sources and audience that’s visiting your site. Traffic sources may include organic, paid, social media, referral, display, email, or direct traffic. You can view traffic source data in Google Analytics to view things such as time on page, bounce rate, geo location, age, gender, time of day, devices (mobile vs. desktop), and more so that you can focus your effort on the highest converting traffic. This analytics data is crucial to making informed decisions, increasing your conversion rates, and making more affiliate sales. 
If you are new to the financial planning process, it’s important to remember you don’t need to go from zero to sixty overnight. Just like a fitness trainer would be hesitant to recommend an all-out body straining routine on your first day in the gym, I wouldn’t expect someone to start implementing advanced planning techniques in the first week. Pick a reasonable and attainable goal, and get used to achieving small wins on your track to financial independence.
I personally have been working and investing through a couple of recessions – the tech boom and bust, and the recent Great Recession. Most people got nervous, went to cash, stopped contributing, etc., during these periods. The past investing decade has been really smooth. I’m not sure how everyone who achieved financial freedom will feel when we get back to more normal volatility.
Safety. Shit happens, so it’s best to create a Safety Net savings account with $500–$1000 for emergencies. Now listen: do not touch this money unless there is a true emergency (car repairs, medical bills, job loss, etc.). Your Safety Net will allow you to stay on budget even when life punches you in the face. Over time, once you’re out of debt (step 3 below), your Safety Net will grow to include several months of income. But for now, worry only about the first $500–$1000 to start, which you’ll want to keep in a separate Safety Net account to avoid temptation (more on that below).

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“Retiring early because you don’t like your job is a bad reason to do it, and is a recipe for being bored or aimless when you get there,” she said. “Achieving FIRE is a big deal, and it takes a lot of focus and determination. It’s not for those who want to get rich quick, or for those who just hate their job. The better solution then is just to find a new job, or a new career path. I’m a huge believer that you can love your job and still want to retire early or just achieve financial independence! That was true for us. We loved our work, the people we worked with, and our clients, but we didn’t love the pace of it, the pressure or the constant travel.”

One of the commenters said,”Writing your own eBook and designing your own products can be very rewarding, you just need to get your work in front of an Interested Audience. This may sometimes prove a little more difficult than originally anticipated.” That’s where I am. I have two websites with e-books and products, but I can’t figure out where to advertise or how to promote them. Any ideas would be appreciated.
Wealth may be measured in nominal or real values – that is, in money value as of a given date or adjusted to net out price changes. The assets include those that are tangible (land and capital) and financial (money, bonds, etc.). Measurable wealth typically excludes intangible or nonmarketable assets such as human capital and social capital. In economics, 'wealth' corresponds to the accounting term 'net worth', but is measured differently. Accounting measures net worth in terms of the historical cost of assets while economics measures wealth in terms of current values. But analysis may adapt typical accounting conventions for economic purposes in social accounting (such as in national accounts). An example of the latter is generational accounting of social security systems to include the present value projected future outlays considered to be liabilities.[30] Macroeconomic questions include whether the issuance of government bonds affects investment and consumption through the wealth effect.[31]
VigLink is an intermediary platform, so it can serve as a backdoor for affiliates who have previously been banned/suspended from working with other affiliate programs like Amazon. And while you can choose specific merchants or offers, VigLink can be set up to work automatically by scanning your published content and dynamically generating affiliate links, making it a great choice for established content producers who are looking for a simpler way to generate revenue via an affiliate program.

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If your audience is looking to launch an online business, migrate their ecommerce platform, or simply interested in ecommerce content, we encourage you to apply for the BigCommerce affiliate program. Our team will carefully review your application. Once approved, you will receive access to support, tracking, reporting, payments, and have your own unique affiliate link to track every referral you generate. BigCommerce is committed to the success of our affiliate partners.


Well said Illidi. There are more ways than ever, mostly because of the internet. I think the secret is to put out a product or service that’s unique. Not that you have to invent a whole new business, but take an existing business concept, and add something unique to it. Because you’re absolutely right, everyone is getting into the game, making it harder to succeed.
Recent corporate changes and folding 2Checkout into a larger company that is involved in payment processing and e-commerce means that the affiliate program can sometimes feel somewhat neglected. But the ability to generate custom coupon codes and the comprehensive knowledge base make 2Checkout a good option for experienced affiliates with an established user base. But if you’re just entering the affiliate field for the first time, 2Checkout might not be where you want to start.

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You might call it the time-money paradox. Most Americans trade the majority of their available time for a paycheck, and then spend the majority of each paycheck on depreciating material possessions. As the spending snowballs, many individuals desire a larger paycheck, which requires even longer hours and more responsibilities at work, leaving even less time to enjoy the income or possessions. It’s a vicious cycle that often continues in perpetuity until retirement or death.

Fall In Love With Financial Freedom


In November 1994, CDNow launched its BuyWeb program. CDNow had the idea that music-oriented websites could review or list albums on their pages that their visitors might be interested in purchasing. These websites could also offer a link that would take visitors directly to CDNow to purchase the albums. The idea for remote purchasing originally arose from conversations with music label Geffen Records in the fall of 1994. The management at Geffen wanted to sell its artists' CD's directly from its website but did not want to implement this capability itself. Geffen asked CDNow if it could design a program where CDNow would handle the order fulfillment. Geffen realized that CDNow could link directly from the artist on its website to Geffen's website, bypassing the CDNow home page and going directly to an artist's music page.[14]

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The doctor or lawyer, for instance, could use her or his income to invest in a medical start-up or buy shares of medical companies he understands such as Johnson & Johnson. Over time, the nature of compounding, dollar cost averaging, and reinvesting dividends can result in her or his portfolio generating substantial passive income. The downside is that it can take decades to achieve enough to truly improve your standard of living. However, it is still the surest path to wealth based on the historical performance of business ownership and stocks.
Once your hosting is set up, you need to install a content management system (CMS) for your site. We recommend WordPress because it is easy to use and a beginner (like you!) can quite quickly figure out how it works. Most good hosting providers will have a one-click install option for WordPress, which means it will only take you a couple of minutes and you will have WordPress installed on your site. 

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You might call it the time-money paradox. Most Americans trade the majority of their available time for a paycheck, and then spend the majority of each paycheck on depreciating material possessions. As the spending snowballs, many individuals desire a larger paycheck, which requires even longer hours and more responsibilities at work, leaving even less time to enjoy the income or possessions. It’s a vicious cycle that often continues in perpetuity until retirement or death. 

Life Death And Financial Freedom


The rise of irrigation and urbanization, especially in ancient Sumer and later Egypt, unified the ideas of wealth and control of land and agriculture. To feed a large stable population, it was possible and necessary to achieve universal cultivation and city-state protection. The notion of the state and the notion of war are said to have emerged at this time. Tribal cultures were formalized into what we would call feudal systems, and many rights and obligations were assumed by the monarchy and related aristocracy. Protection of infrastructural capital built up over generations became critical: city walls, irrigation systems, sewage systems, aqueducts, buildings, all impossible to replace within a single generation, and thus a matter of social survival to maintain. The social capital of entire societies was often defined in terms of its relation to infrastructural capital (e.g. castles or forts or an allied monastery, cathedral or temple), and natural capital, (i.e. the land that supplied locally grown food). Agricultural economics continues these traditions in the analyses of modern agricultural policy and related ideas of wealth, e.g. the ark of taste model of agricultural wealth.
While these models have diminished in mature e-commerce and online advertising markets they are still prevalent in some more nascent industries. China is one example where Affiliate Marketing does not overtly resemble the same model in the West. With many affiliates being paid a flat "Cost Per Day" with some networks offering Cost Per Click or CPM.
I will admit, I’m not a huge fan of fancy budget spreadsheets, so I just use free tracking apps like Personal Capital. Then once a month I used the data and wrote down every bill and loan I had with the numbers next to them (some obviously varied slightly from month to month) along with every time I spent money on going out, food, clothes, etc. You’d be surprised at the things you catch that has affected your spending over the last year. Slight tweaks and adjustments can make all the difference in the amount you save. This was how I was able to identify how much money interest my student and car loans were accumulating and then identified it was critical for me to start paying them down rapidly.

Of course, it’s also important to note that money isn’t the thing that makes you truly rich — it’s the freedom that comes from pursuing whatever brings you joy and provides you will fulfillment that makes you rich. The whole point of financial freedom is that once you become financially free, you have more choices of how to live your life and spend your days.
Income is routinely mistaken for wealth. For example, if John Doe's income is $250,000 per year, some people might say John is "wealthy." However, if John's mortgage, car payments, student loans from medical school, medical bills for his child, and private school tuition for his other child consume most of his monthly income, he may not have much left for saving at the end of the month. Consequently, John may have a nice house, but he has virtually nothing saved up for retirement, college, or emergencies. That is, he may have a high income, but he is not "wealthy" because he owns little of the things in his life.

How much is financial independence


The U.S. Internal Revenue Service categorizes income into three broad types, active income, passive income, and portfolio income.[1] It defines passive income as only coming from two sources: rental activity or "trade or business activities in which you do not materially participate."[2][3] Other financial and government institutions also recognize it as an income obtained as a result of capital growth or in relation to negative gearing. Passive income is usually taxable.

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When beginning your affiliate marketing career, you’ll want to cultivate an audience that has very specific interests. This allows you to tailor your affiliate campaigns to that niche, increasing the likelihood that you’ll convert. By establishing yourself as an expert in one area instead of promoting a large array of products, you’ll be able to market to the people most likely to buy the product.

Be sure to check what kind of customer support you can expect from your affiliate program once you have signed up. Do your research online and if possible, speak to other sellers using the program to get their thoughts. Can you speak to someone via phone or Skype or do you have to wait 72 hours for email responses? Be clear on this because trust me, you will need support at one point or another. 
Your freedom grows alongside your savings. Eventually, you will have enough money saved to feel comfortable switching jobs, starting a business, returning to school, traveling for a year, or any number of other activities that are impossible to achieve without savings. This stage of financial freedom might include major life changes, but they are not permanent. Your freedom is temporary because your savings will be depleted over time, forcing you to find other sources of income again.

Those with the least amount of wealth are the poor. Most of the institutions that the poor encounter discourage any accumulation of assets.[36] Lower class members feel more restrictive in their options due to their lack of wealth. This could lead to complications in solving their personal dilemmas, as predicted by the Class Structure Hypothesis. There are many societal standards and designs intentional sabotage and shortcomings to explain the persistent state of yearning and want the lower classes generally experience with their lower quality and quantity of assets. Typical causes are persistent unethical/harmful mentalities and criminal tendencies: misguidedly similar to the upper class in some cases. Many individuals that are in the lower class stay in that class and very few move up in class. Many people in the lower class group believe there isn't such a thing as equal opportunity.
​Self Publishing is mainstream today. When you purchase an eBook off of Amazon there’s a pretty good chance you’re buying a self-published book. Self-publishing is also ridiculously easy. I tried this a few years ago and couldn’t believe how simple the process was. To self-publish a book you’ll first need to write and edit it, create a cover, and then upload to a program such as Amazon’s Kindle Direct Publishing. Don’t expect instant success though. There will need to be a lot of upfront marketing before you can turn this into a passive income stream.

I want to be solidly in the middle – i.e. comfort zone, in the next 5 years. Right now I could hit the frugal FI button likely in the next year or so, but would not be happy there. I like the idea of the continuum. My in-laws are shooting for blockbuster FI, but they both own tech businesses that are doing well…so their reality differs slightly from mine.


Financial Freedom is a step-by-step path to make more money in less time, so you have more time for the things you love. It challenges the accepted narrative of spending decades working a traditional 9 to 5 job, pinching pennies, and finally earning the right to retirement at age 65, and instead offers readers an alternative: forget everything you've ever learned about money so that you can actually live the life you want.

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I guess I’m in the Blockbuster Category, but living in the Midwest I’d have a hard time figuring out how to spend $300k/year even though the math says it is not a problem. I think the reality is most people who are super savers are going to get to Blockbuster eventually assuming they don’t inflate their lifestyle along the way. There is a lot of truth to more money not bringing you more happiness…I spend less in “retirement” than I did while working and I’m exponentially happier. I checked my taxable account for the first time this year and it in the first 11 days it is up more than I’ll spend this year, interesting times indeed.
The 4% rule has a failure rate based on overall market movement and time in the market. If you need to cover 20 years the 4% rule is extremely safe. If you need to cover 40-50-60 years because of early FI it starts to get riskier. Why not arrange your investments so you achieve a 4% yield, then you will never need to sell shares and can live an infinite amount of time without working? To boot, invest in some dividend growth stocks and you will get an inflation-busting 6% average annual raise on your income as well!
Next, there’s independence, which is what most people think of as FI (and what you call basic FI). Your investments can support your CURRENT lifestyle for the rest of your life — in theory. Lastly, I suggested that abundance was the level at which you can essentially do whatever you want without ever again worrying about money. Redditors would call this fatFIRE. You call it “blockbuster FI”.
Work wise i'm a bit fortunate to still work at a good company and managers, so it's not a big deal to continue working, although the work can be repetitive and lack of challenge, i consider that a blessing. Still, once you know the date it seems hard to keep still, but the anxiety seems more from the retirement itself (what would I do), rather than the current work. I think for people who are fortunate enough to not worry about financials after retirement, our real challenge is the lifestyle choice and psychological change we need to adapt to.
Geographic Arbitrage – As I mentioned in The Perfect Life article, I also plan on using geographical arbitrage to bring my FI date even closer. By living somewhere like Thailand for a portion of the year, the income from my United States investments and businesses will go much further than if I lived in the States. Renting will allow us to easily move to cheaper places, as needed or desired.

"Grant Sabatier is a bold, new voice for this country's next generation -- a generation that chafes at mounting debt, rejects traditional modes of work, and longs for financial freedom. In this comprehensive money manual, Sabatier blends deep wisdom with proven action steps. He shows how to mold your mindset so that you can make the most of your dollars and your hours. Best of all, he provides a blueprint so that you can build the rich life you've always wished for."

If you find yourself in this group, financial freedom should be your highest priority. If you truly hate your job, you should be willing to make sacrifices to escape. That might include cutting unnecessary expenses, working a side-job, building your human capital, or moving somewhere with a much lower cost of living. You should be saving as much money as possible so that you can change careers as quickly as possible.
This is Simon, thank you for your post, it is very helpful for me. However, we are a lighting company, and we are plan to try the Affiliate Website to increase our sale. But it seem that there are many different Affiliate website to be chose and some of them also need pay some fee to begin, so as we just begin to do this, which website is your recommend ?
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