Sam, I am not miserable, just less happy. I will be in the same company this summer for 31 years. I have been doing 24×7 online support for the last 29 years and it took a toll on me. It is just that I am so antsy since I am so close to retirement. I have been planning my retirement and counting down since age 30. Having no more close friends and a backup at work makes it a struggle to get thru the day. It is basically no fun at work without my buddies since they were all replaced with Indian consultants. It has been over a year being on my own and I just have to get used to it. My parents worked in a garment factory until their 60’s so I can’t complain.
A lot of the things mentioned above are right. there are so many opportunities to make some side money. I’ve recently been looking up different ways to create any kind of side income than can possibly help me out . I can tell you right now if your a beginner like I was, the best place to start would be signing up as an affiliate for amazon which is the most newbie friendly! Learn the game and grow. Or you can create your online store and dropship with shopify real people make thousands a week by doing this and you need little to no money to start. (Drop shipping as simple as i can put it is basically is where sell items from chines suppliers that can be dirt cheap and sell them for 2x 3x 5x the amount there being sold for)
Cookie stuffing involves placing an affiliate tracking cookie on a website visitor's computer without their knowledge, which will then generate revenue for the person doing the cookie stuffing. This not only generates fraudulent affiliate sales but also has the potential to overwrite other affiliates' cookies, essentially stealing their legitimately earned commissions.

True, the world is a bit unpredictable. That said, if you’re invested in a very broad index (like VTI, VTSMX/VTSAX), you are as protected as possible. If those indexes collapse/devalue, there are far greater issues going on than money. You would be fighting to eat and survive at that point, and money would be worthless. So, other than the world ending as we know it, you can be FI and have 99.9% assurance you are financially safe.

Financial Freedom Fundamentals Explained


I actually read the Charles Long book you recommended but forgot to send you a message about it. I ordered it from my library when you recommended it to me and it came in just a week later. I enjoyed it and the conserver lifestyle he described is very appealing, albeit maybe not to the extreme that he described. I haven’t read the Steven Catlin book yet but it is still on my reading list so I’ll hopefully get a chance to read it this summer. I’ll let you know what I think afterwards.
I share this with to let you know how much your expertise and your creating this information means to me. I will now put this link to your site on the Inspire-EDNF (Ehlers Danlos National Foundation) site to help so many others like me. Living with this condition, I can become a hopeless mess. Today, THANKS to you, I can begin planning how to contribute not only to my family and savings but also to causes very close to my heart.
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. 

Sam, I am not miserable, just less happy. I will be in the same company this summer for 31 years. I have been doing 24×7 online support for the last 29 years and it took a toll on me. It is just that I am so antsy since I am so close to retirement. I have been planning my retirement and counting down since age 30. Having no more close friends and a backup at work makes it a struggle to get thru the day. It is basically no fun at work without my buddies since they were all replaced with Indian consultants. It has been over a year being on my own and I just have to get used to it. My parents worked in a garment factory until their 60’s so I can’t complain.

In the last 10 years, ShoutMeLoud has inspired millions of lives around the globe to help them earn passive income via affiliate marketing.  It would not have been possible if I had not quite my call-center job to pursue my passion. When I think about this, I find it amazing as for how my life unfolded when I took the courage of starting something of my own.


In the case of cost per mille/click, the publisher is not concerned about whether a visitor is a member of the audience that the advertiser tries to attract and is able to convert, because at this point the publisher has already earned his commission. This leaves the greater, and, in case of cost per mille, the full risk and loss (if the visitor cannot be converted) to the advertiser.

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Cookie stuffing involves placing an affiliate tracking cookie on a website visitor's computer without their knowledge, which will then generate revenue for the person doing the cookie stuffing. This not only generates fraudulent affiliate sales but also has the potential to overwrite other affiliates' cookies, essentially stealing their legitimately earned commissions.
– My pension will be 70K at age 55 and will get 8K yearly for retiree medical. Retiree company medical is currently $12.8K in 2018 and it increases every year. If I leave before 55 then my pension is 39K at age 55 and I would NOT get any medical coverage. I want the financial security of a higher pension and the security of having the company medical so that I don’t depend on the Obamacare which may not be around in the future.
The 22-cap Austria international has a wealth of experience in his homeland as well as in Switzerland and Germany and has even featured in the Champions League for Austria Wien. — SI.com, "Liverpool Goalkeepers: 5 Emergency Options the Reds Could Sign Following Alisson's Injury," 11 Aug. 2019 There isn’t a wealth of data, mainly because of massive reductions in federal appropriations for research into gun violence beginning in the 1990s. — Michael K. Mcintyre, cleveland.com, "Most Americans want action on guns: What do we know about what works?," 11 Aug. 2019 But the extras still include a wealth of alternate early takes and demos that have mostly never been released or bootlegged before. — Chris Willman, chicagotribune.com, "Beatles’ ‘Abbey Road’ to get deluxe 50-year treatment in September," 8 Aug. 2019 While editor Joseph Borruso handles with assurance the daunting challenge of assembling such a wealth of material into a fluid narrative with plenty of entertaining digressions, the doc could perhaps have been more decisively structured. — David Rooney, The Hollywood Reporter, "'Fiddler: A Miracle of Miracles': Film Review," 7 Aug. 2019 There’s a wealth of printing cameras on the market from manufacturers like Fujifilm, Polaroid Originals, Lomography, and even Leica. — Wired, "The Best Instant Cameras You Can Buy," 7 Aug. 2019 The agency didn’t answer Curbed’s questions about the project, but has released a wealth of information and held numerous public meetings throughout the project’s long life, which dates back to 2002. — Patrick Sisson, Curbed, "Houston’s $7 billion solution to gridlock is more highways," 5 Aug. 2019 The league could be critical to the future of the NBA because there is a wealth of basketball talent in the continent that needs to be developed from the youth stages. — Gary Washburn, BostonGlobe.com, "Jerome Robinson believes second season with Clippers will be special," 3 Aug. 2019 The margarita-fueled party scene in Cabo San Lucas may claim the limelight, but the Mexican state of Baja California Sur has a wealth of natural and cultural treasures. — Jenny Peters, National Geographic, "Baja California Sur: The ultimate road trip," 25 July 2019
My mgr just told me today that I am not being transferred. I am so relieved and less anxious now that I don’t have to break in a new boss. The other boss would have been a micro mgr and that could cause me to quit. My boss wants me to stay another 3-5 years and he also wants me to work on something new so that I stay interested. Arg, no thanks! I suspect he knows I want to retire at 55 but I am not saying so.
MM Note: This is a guest post from 29-year-old Millennial Money reader Todd Kunsman. To learn more about creating financial freedom, check out how to retire in 10 years or less,  fast-tracking financial independence, and my book Financial Freedom: A Proven Path To All The Money You Will Ever Need. Now check out Todd’s 9 steps to financial freedom below.

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The United Nations definition of inclusive wealth is a monetary measure which includes the sum of natural, human, and physical assets.[6][7] Natural capital includes land, forests, energy resources, and minerals. Human capital is the population's education and skills. Physical (or "manufactured") capital includes such things as machinery, buildings, and infrastructure.
LinkConnector imposes a very rigorous and lengthy screening process, so you’ll need to prove that you have a high-quality website and established audience before being accepted. Despite its somewhat schizophrenic approach, LinkConnector does have some very happy long-term affiliates. And their “naked links” allow for direct connection to the merchant website without having to be rerouted via LinkConnector, which will give your website an SEO boost.
Great goals! It’s nice to see your journey play out. Since you are now talking about Thailand in your early retirement plan I thought I would point you to someone very interesting. When you have a minute, google “Paul Terhorst.” Since you are traveling in FI circles, you’ve probably already come across his name and read his book “Cashing in on the American Dream: How to Retire at 35.” In case you haven’t, he and his wife retired at the age of 35 back in the 80’s with about $500k. They have been perpetual travelers ever since – spending significant amounts of time in Thailand, Argentina and other parts of the globe. He would be a wonderful person to feature on your next podcast if you can get him. I consider him to be one of the grandfathers of the FIRE movement.
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.
Our favorite platform for this is RealtyMogul because you get the flexibility to invest as little as $1,000, but can also participate in REITs and private placements – typically not offered to the public. Investors can fund real estate loans to gain passive income or buy an equity share in a property for potential appreciation. Their platform is open to both accredited and non-accredited investors.
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.
Passive income is attractive because it frees up your time so you can focus on the things you actually enjoy. If a doctor wants to earn the same amount of money and enjoy the same lifestyle year after year, they must continue to work the same number of hours at the same pay rate—or more, to keep up with inflation. Although such a career can provide a very comfortable lifestyle, it requires far too much sacrifice unless you truly enjoy the daily grind of your chosen profession. Additionally, once you decide to retire, or find yourself unable to work any longer, your income will cease to exist unless you have some form of passive income.

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I think too many people become over-focused on their number, on achieving what you call basic FI and I call independence. They’re so dialed in on that that they ignore the fact that they’re gradually achieving greater independence all the time. That’s too bad. I think folks would be happier if they could take the time to appreciate their state, you know?
It’s funny you mention the different psychological levels of financial independence. I read a lot of blogs and there is this one Blogger who goes on every single other blog and shouts from the top of his lungs that he is a multimillionaire. But he has no self-confidence because his wife still works. His writing oozes insecurity probably due to the lack of friends, lack of success from his site, and lack of purpose. He also likes to write about his investments, but he’ll only publish his winners and never his losers and he’ll never talk about them when he does make an investment.

How do you gain 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.
As a blogger (I write about digital marketing), I’ve always been more drawn to in-house affiliate programs. Recently, I got into squirrly’s program (they got me with the 70% in commissions out of all sales, I have to admit it). But with all the new stuff I learned from this post, I’m seriously considering expanding. Thanks a lot for the useful tips.
“There’s a huge element of privilege to being able to do this,” said Liz Thames, author of the forthcoming book, Meet the Frugalwoods: Achieving Financial Independence Through Simple Living. “For many people, asking these questions is outside of the realm of their day to day life. We have a real problem with income gap and people who do not make a living wage. So I want to make sure that we recognize that the ability to put distance between your income and your spending is often a privilege.”
My main point was that financial independence isn’t a single point or event. It’s a continuum. Each dollar we save grants us greater financial freedom. There are a variety of major milestones. For instance, achieving positive cash flow (earning more than you spend) brings one type of financial independence. Getting out of debt brings another. And so on.
You won’t get ahead if you don’t have a plan for your money. Instead, you’ll find yourself wondering where your money went at the end of every month! That’s not financial independence; that’s a recipe for financial disaster. If you’re married, get on the same page with your spouse about your budget. If you’re single, find an accountability partner.
I would suggest a different, commonly used, approach to calculating withdrawals with the 4% rule (I believed you’ve blogged about this in the past). What is not so often explain is that in order to achieve yearly withdrawals of 3%-4% to live off of, you need to obtain investment returns upwards of 5%-8% to account for inflation, taxes and other costs.
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.

Little Known Ways To Financial Freedom


Since you’re not taking on debt, you’ll also need a savings plan for big purchases that aren’t emergencies. Let’s take summer vacation for example. It’s simple! Create a line item in your monthly budget and divide the total amount by the months you have to save. You’re not living in debt anymore, and that means you can enjoy your vacation instead of having a credit card bill follow you home.
But I have bills due! One mindset that makes saving money easier is to pay yourself first. It was a concept I first read about in Rich Dad Poor Dad and I thought it was really interesting. The author essentially stated that he would save as much as possible before any bills were due and would leave just enough to make sure he had no late payments on bills.
Industrialization emphasized the role of technology. Many jobs were automated. Machines replaced some workers while other workers became more specialized. Labour specialization became critical to economic success. However, physical capital, as it came to be known, consisting of both the natural capital (raw materials from nature) and the infrastructural capital (facilitating technology), became the focus of the analysis of wealth. Adam Smith saw wealth creation as the combination of materials, labour, land, and technology in such a way as to capture a profit (excess above the cost of production).[10]
If you are self-employed, that just means you have a lot of “bosses” that you serve. So, periodically ask those “bosses/clients” how you can better serve them. I have done this in the past through simple surveys. I simply ask what challenges they are facing and how I can better serve them. The better you can serve people, the more value you bring to the table, the more it helps you become a higher earner.
Additionally, I have a more aggressive goal to have the opportunity to retire much sooner than the average retirement age. Hopefully, this post encourages and inspires you to take control just like I did. Anyone can start achieving the levels of financial freedom and the below are 8 steps will help you get there, even if you are starting out with little to no financial knowledge.

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LinkConnector is something of a mixed bag, so it’s probably best for experienced affiliates who have become disillusioned with other networks and are looking to expand. LinkConnector’s bizarre mix of high-quality products and a low-quality dashboard make it hard to truly assess its viability, but their exclusive deals with some vendors can make it a true home run for publishers working in certain niches.
My husband retired from the military after 20 years of service last summer at age 38 – his guaranteed income is appx $67k per year for life (tax free and subject to COLA), and he gets an additional $17k the next 4 years under the GI Bill while he’s in school. We have appx $450k invested, no debt, and guaranteed health insurance for life with no monthly premiums, $150 annual deductible and $3k annual catastrophic cap. We have one child, age 5, who will receive free college tuition if she attends a state University in our state of record. We do have appx $25k in a brokerage account for her for addtl college expenses. My husband is considering not working after he finishes school, or working a ‘fun’ part time job. We live in the Midwest, where cost of living is ok (much better than our last duty station in CA!). I work a ‘fun’ part time job bringing in about $1k/mo. Curious on your thoughts as to where this puts us. And, do we figure my husbands ‘pension + benefits’ in our networth?
Many people factor in control over their time when considering their wealth. Having complete control over your time is often one factor of achieving financial independence. You may not have totally reached the investing goal that allows you to maintain your lifestyle without an additional paycheck, but having total control over how you spend your day can be a variable factored in to how you define wealth.
Education occurs most often in "real life" by becoming involved and learning the details as time progresses. Although there are several books on the topic, some so-called "how-to" or "silver bullet" books instruct readers to manipulate holes in the Google algorithm, which can quickly become out of date,[41] or suggest strategies no longer endorsed or permitted by advertisers.[42]

In the past, large affiliates were the mainstay, as catch-all coupon and media sites gave traffic to hundreds or thousands of advertisers. This is not so much the case anymore. With consumers using long-tail keywords and searching for very specific products and services, influencers can leverage their hyper-focused niche for affiliate marketing success. Influencers may not send advertisers huge amounts of traffic, but the audience they do send is credible, targeted, and has higher conversion rates. 
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)
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