Financial Freedom by Grant Sabatier has woken me up from years of brainwashing by the status quo model of creating wealth. Grant not only shares his own experience of how he created financial independence early he provides the strategy and tools for me to do the same. As a full time single father, I consider this book to be the most important handbook to creating financial stability for myself and other parents or single adults. Thank you Grant.
I’m glad I started looking at this when I was in my mid-twenties more closely, but of course, now I wish I knew all this info when I was even younger. So don’t wait, don’t put it off, start right now. And while I may not be able to retire next year or even in five years, I am well on my way to being financially free well before the average retirement age. Let’s do it!

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Also, how at the age of 24 could I even begin come close to how much money I would need for the rest of my life? As it turned out, I needed a lot less than I thought and that I was completely in control of how much I would need. While you can’t control all of the variables (like inflation and investing returns), you can control most of the variables (how much you spend etc.).
Affiliate marketing is commonly confused with referral marketing, as both forms of marketing use third parties to drive sales to the retailer. The two forms of marketing are differentiated, however, in how they drive sales, where affiliate marketing relies purely on financial motivations, while referral marketing relies more on trust and personal relationships.[citation needed]
I hold my hand up and say that I’m one of the odd ones who would be content with enough. That’s not to say there is anything wrong with those striving for more than enough. For me, I’m not convinced it is worth my time and effort, nor will it give me much more satisfaction or happiness in life. The term ‘enough’ is interesting in itself. It’s all relative. One person’s enough is another person’s ‘plenty’. Even at Budget FI, without a car finance or mortgage, I consider that to be a very healthy financial position to be in. I might change my mind in 7 years time when I reach my number, but that’s okay. Everyone’s idea of FI will be different and we all reserve the right to adapt our plans to suit our changing needs.

Awesome article. I am personally a fan of affiliate marketing. It’s a great way to leverage someone else’s business and start your own. I’ve been a part of an affiliate program for a while now where I’m earning 25% commissions on sales and it has truly been a blessing as far as my finances are concerned. Passive income is definitely they lifestyle to live. I’m hoping to upgrade soon to the 35% commission tier so that I can make enough to quit my 9-5 and really be free to live the life I want. Check it our here if your interested (queensmarketclothing.com); it’s only $10 to get started and the company is super helpful in helping you get started and marketing the products.


Wow! What an awesome list Jeff! My favorite is the stock photography as I love photography. I have some success there, particularly with one photo I make some decent income from. I think the key with stock photography is finding a shot that is high demand then find a new unique way to frame that shot. This is the reason my St. Louis Arch photo is a top 10 on both of the platforms you mentioned above. Thanks for the awesome ideas above!
Your capital gains tax rate depends on your ordinary income. In other words, the tax table shows what the capital gain tax is according to your income. Up to $77,000 or so the cap gains tax rate is zero, for a couple who’s MFJ. The author seems to think that you can take $77k of cap gains per year without any tax, and then you can take however much in rental income (or other income) on top. That’s not the way it works.
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.

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. 


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”.

Even if you have no desire to stop working, I still believe that financial freedom is beneficial. At the very least, saving enough to reach “temporary freedom” can provide peace of mind. There is always a possibility that your job could be eliminated, or your life circumstances change, or any number of concerns that might be partially remedied by financial freedom.
It is important to note, however, that StudioPress is now a subsidiary of WPEngine which is the company that actually does the web hosting on which StudioPress’s Genesis framework runs. The affiliate program only works with choosing the StudioPress framework and themes, not the actual hosting on WPEngine. WPEngine has a separate affiliate program for its hosting services, which yes, is a bit confusing.

Social class is not identical to wealth, but the two concepts are related (particularly in Marxist theory), leading to the combined concept of socioeconomic status. Wealth refers to value of everything a person or family owns. This includes tangible items such as jewelry, housing, cars, and other personal property. Financial assets such as stocks and bonds, which can be traded for cash, also contribute to wealth. Wealth is measured as “net assets,” minus how much debt one owes. Wealth is a restrictive agent for people of different classes because some hobbies can only be participated in by the affluent, such as world travel.


No matter how good your marketing skills are, you’ll make less money on a bad product than you will on a valuable one. Take the time to study the demand for a product before promoting it. Make sure to research the seller with care before teaming up. Your time is worth a lot, and you want to be sure you’re spending it on a product that is profitable and a seller you can believe in.

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]


Side gigs, private investments and a host of other variables can also be utilized for long-term thinking, wealth accumulation, and achieving financial independence. A few considerations here may include a portfolio of private businesses, car washes, parking garages, stocks, bonds, mutual funds, real estate, patents, trademarks. Some of these cash generators can be relied on for long-term income in addition to your job or just as cash generators that can pull in money while you take long vacations or sit by the pool.
Also known as a publisher, the affiliate can be either an individual or a company that markets the seller’s product in an appealing way to potential consumers. In other words, the affiliate promotes the product to persuade consumers that it is valuable or beneficial to them and convince them to purchase the product. If the consumer does end up buying the product, the affiliate receives a portion of the revenue made.
For some reason, I’m not stressed about it. Maybe because he’s the most important thing in our lives, and we’d therefore spend everything we have to help him learn and grow up to be a kind, motivated, and good adult. Perhaps it’s because I’ve also run some pro forma financial numbers to see how much we’ll have in 20 years, and it seems like it could be a nice chunk of change.
This might be one of the most important tips when it comes to financial success. Find a mentor or mentors and really pay attention to everything they do. Even if you are unsure if they will work with you, reach out and ask as many questions as you can. You will likely be really surprised by how much older experienced people are willing to teach and help you.

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Hang in there, Adam. I’m in the similar boat as you. I’m 51, looking to retire @55 when my son goes to college (his tuition is already saved in separate 529 account). @4% withdraw rate, we have enough assets to generate passive incomes of $250K+, and our annual living expense is <$100K. Neither me or wife have pension or medical coverage, but we do have 401K and some prior HSA savings.
What do people do all week when they are retired, especially when retiring early? I retired early and struggled with being preoccupied after 3 months. It turned into boredom and slippery slope of troublesome lifestyle. I finally returned to my career part time after bucket list. I consider myself semi-retired and enjoy working more once I had balanced time off. The pros are contributing Monday through Thursday, time off, salary to pay taxes, benefits, lower stress as compared to being self-employed/ business owner, and don’t driver my partner crazy. It has taken me years to unlearn setting goals and feeling inadequate if not chasing the carrot even when I don’t need to. It surprised me. My partner enjoys working and is seeing how far she can go. It’s is probably reassuring that she doesn’t have to work, and allows her to take more risk. I have improved, but have not arrived. I guess this is a good problem to have, but I just wanted you to know retirement is not always paradise, and semi-retirement may help make the transition.
To me the biggest reason for not quitting my job before have close to $10M is the cost of raising kids. I don’t see how it will work out for folks retiring at 35 with $1M saved if they plan to raise a family. Providing a good life, after school activities, travel opportunities, college, etc. I assume I’ll spend at least $1M per child to raise them from birth through college. (The average is ~$250,000 to get them just through high school and that doesn’t include many of the things I hope to do as a family)
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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​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


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.
Some advertisers offer multi-tier programs that distribute commission into a hierarchical referral network of sign-ups and sub-partners. In practical terms, publisher "A" signs up to the program with an advertiser and gets rewarded for the agreed activity conducted by a referred visitor. If publisher "A" attracts publishers "B" and "C" to sign up for the same program using his sign-up code, all future activities performed by publishers "B" and "C" will result in additional commission (at a lower rate) for publisher "A".

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But most importantly, Sabatier highlights that, while one's ability to make money is limitless, one's time is not. There's also a limit to how much you can save, but not to how much money you can make. No one should spend precious years working at a job they dislike or worrying about how to make ends meet. Perhaps the biggest surprise: You need less money to "retire" at age 30 than you do at age 65.

Financial freedom isn’t easy, but you knew that before reading this essay. The exciting part about these five principles is that they apply to anyone, anywhere on the socioeconomic ladder. Whether you earn minimum wage or six-figures, whether you are single or have half-a-dozen children, we have seen these principles work for thousands of individuals—because it’s not about our income level; it’s about the decisions we make with the resources we have.
I would argue that, if you can increase the value of your full-time gig, it's probably not necessary to get a side gig. I do think people need some free time to enjoy themselves. Sometimes we get so caught up in raking in an extra $200/mo from side hustles that we don't realize they're not always worth the time. So know the most efficient way for you to earn money, first of all. Slashing expenses like a madman doesn't hurt, either! That's what enabled us to pay off our debts so quickly.

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Many of us, especially women, lose sight of who we once wanted to become, because we are so busy putting others first. As we play the various roles of parent, spouse, employee, friend, and more, we watch our dreams slip away. Even if you find these roles rewarding, there may still be an underlying foundation of resentment that leaves you wondering, “what if?”


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.
Designed to create a huge amount of traffic at all times, these sites focus on building an audience of millions. These websites promote products to their massive audience through the use of banners and contextual affiliate links. This method offers superior exposure and improves conversion rates, resulting in a top-notch revenue for both the seller and the affiliate.
For anyone thinking of renting out their place via AirBnB, just check to make sure that it is legal where you live. I live in NYC and AirBnB is illegal here because a short-term rental for under 30 days is only allowed if you are a legal hotel. If caught renting or even advertising your home within the five boroughs of NYC on AirBnB, you could incur heavy fines for running an illegal hotel. Plus, most neighbors in apartment buildings don’t want strangers tramping in and out of their buildings all the time, so there could be trouble from people making complaints. So, check the laws where you live if that’s what you want to do!
For example, the content on Super Weddings is useful whether you're organizing a wedding today or next year. All the content on the site is created accordingly. To make things easier for the audience, it is separated into categories to make it very convenient for the reader to find what they're looking for. This, of course, is also very good for SEO. 
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.
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.

In Western civilization, wealth is connected with a quantitative type of thought, invented in the ancient Greek "revolution of rationality", involving for instance the quantitative analysis of nature, the rationalization of warfare, and measurement in economics.[11][12] The invention of coined money and banking was particularly important. Aristotle describes the basic function of money as a universal instrument of quantitative measurement – “for it measures all things […]” – making things alike and comparable due to a social "agreement" of acceptance.[25] In that way, money also enables a new type of economic society and the definition of wealth in measurable quantities. In the Roman Empire, just as in modern colonialism, the main force behind the conquest of countries was the exploitation and accumulation of wealth in quantitative values like gold and money. Modern philosophers like Nietzsche criticized the fixation on measurable wealth: "Unsere ‘Reichen' – das sind die Ärmsten! Der eigentliche Zweck alles Reichtums ist vergessen!" (“Our 'rich people' – those are the poorest! The real purpose of all wealth has been forgotten!”)[26]


In effect, VigLink works as the middleman between a publisher (blogger) and merchants by scanning the publisher’s content and automatically creating links to publishers that are chosen “in real time” based on their payout/conversation rates. This makes VigLink a very hands-off affiliate program for publishers who prefer to focus on content instead of managing their affiliate links.

How much money do you need to retire comfortably


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.

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For example, we live in the burbs, the town has an average household income of 100K, average property value of $350K. That’ll cost ya $1500 a month (PI). Lot’s of BMW, Merc’s and other higher end cars, household has two cars, $1000 a month on lease. Most are both spouse working, some day care. We’re at near 3K a month with these expenses a month. If you head into FIRE with no debt allows the Basic to live like the Base. College funds, food for teenage boys, sports equipment, musical instruments, kiddie activity travel all add up.
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