Many years ago, I took a finance course as a part of my college curriculum.  I was already working in my career field by day while taking classes at night. I’ll never forget the guy who taught the course.  He was an investment banker who taught college courses in his off time.  A portion of the class was dedicated to reviewing required coursework. The rest of the time, he would show us how to find high-performing stocks and mutual funds using resources online.

This guy was a bit of a genius.  He often boasted about being the youngest person to pass the Series 7 course in our state.  Because of him, they developed a law that no one under the age of 18 could take the test.  At at the age of 17, he couldn’t legally sign binding agreements with his clients although he was technically licensed.  He loved his job and gladly gave out free investing advice to the entire class.

On the last day of the course, one of the students raised his hand and asked for permission to speak. He then stood up and thanked our professor for the advice he graciously provided about how to pick out high performing investment opportunities. This student immediately applied the technique taught to us.   His picks performed so well that it provided him the income to purchase a boat.  I sat in my seat in complete shock.  We were all given the same knowledge. But he was the only one to apply the stock picking advice.  And he was rewarded handsomely for his efforts.

From then on, I made a vow to apply any financial tips and strategies that came my way.  Today, I’m here to share a small tip that 100% of you can and should apply ASAP to start earning more money right away.
This is a strategy that I started implementing over a decade ago.  Before I started investing, I developed a habit of saving.  I was very adamant about saving several months of salary in the event that I found myself without a steady paycheck.  Then, one day, I saw an infomercial encouraging people to pull equity out of their homes and place it into an investment account this company was offering.

I had no equity at the time, but I did have a nice cushion of savings.  I was pretty convinced the company on the infomercial was a scam so I looked for an alternate way to make money work for me.  After searching around, I found a few FDIC insured online banks that paid out high returns on savings accounts.  Much more than any traditional banks.  Months later, I was pretty pleased to see the interest deposits coming in.  Instead of earning pennies, they were depositing dollars.

It wasn’t a ton of money, but those deposits encouraged me to save even more.

Currently, the economy is strong and interest rates are creeping up again.  That means that it’s more expensive for us to borrow money.  But, if we become the lender, we have the upper hand.  This year I learned that American Express offers a savings account with rates higher than any of my current banks. Soon after discovering this piece of information, I moved some of my money over.  On February 8, I made a deposit and on February 20, I received my first interest payment of $51.30.   

Over fifty dollars for doing pretty much nothing.

 And now, I’ll earn interest on $50.00 that was essentially given to me for free.  Soon the compound effect will come into play and the money will continue to multiply, especially if interest rates continue to rise.   Everyone reading these words should immediately consider opening up a high-interest savings account. They cost absolutely nothing. And they give you free money!

This is one of the easiest ways to generate passive income that I know.  Most other “passive income” opportunities require some form of work. This is a no-brainer.

The other tip I have for you is to apply advice that you receive from people you trust.  Particularly people who are already wealthy.  A few years ago, I used to watch an internet show from a couple of young tech millionaire entrepreneurs.  During the unscripted show, they would sometimes discuss shares of stock they purchased.  I listened without taking action. Many of those stocks are so expensive now. If I would have invested back then, my current net worth would be so much greater.

After learning my lesson, I decided to invest a small chunk of money into a stock that a mentor of mine recently purchased. I never heard of the company before but I really trusted his advice. Actually, he wasn’t giving advice, he just casually mentioned that he acquired this specific stock and I followed in his footsteps. Several months later, the shares have already generated $500 in revenue. That’s not enough to retire on but, hey, it’s free money.

As the economy grows stronger we have to become financially savvy.  Opportunities abound. We must identify and take advantage of them.  If you’re thinking about launching a business,  consider launching it sooner rather than later.  Your potential customers have disposable income now. Once the economy shifts, it might be a different story. Set a goal for how much savings you’ll have and what your net worth will be by the year 2020.  When you’re exposed to sound financial advice, make a move. Don’t let these opportunities slip by. Be like that guy who took immediate action and was rewarded with a nifty boat.  Who knows how much money this guy has by now.

There’s no time to waste. You gotta make moves now.

There’s an important conversation taking place right now about the pay wage disparity between women and their male counterparts.  This topic impacts millions of people and hopefully, the public conversations that are taking place will bring about real change in how pay wages are determined.

Until then, I’d like to give you a few tips based on my experience as an HR Manager on how you can increase your personal salary.
Over my relatively short stint in corporate America, I was involved in countless salary conversations.  I’ve seen it all. Salary negotiations at hire, merit increase convos, etc.  I’ve also had access to the salaries of thousands of employees (including those who were above my pay grade).

Based on my experience, there are certain instances in which you have control over increasing your salary and other instances where your options are limited.  I’d like to share my best advice on how you can maximize your earning potential.

First things first, the worst way to grow your salary in corporate America, in my opinion, is by working for the same company for countless years.  You may think this an admirable act. But it’s one of the most ineffective strategies and will hurt you in the long run.  When I first was granted access to employee salaries, one thing I realized is that the most tenured employees weren’t always the highest paid.  I was shocked to find employees who have been with the company for decades making what they make.  I didn’t quite understand.

After a while, I realized that working the same position for extended periods of time could be detrimental to your earning potential.  If you look at your career path from a strategic point of view, one of your ultimate goals should be to maximize your earning potential.  In my experience, it’s darn near impossible to maximize your potential if you work with the same employer (in the same position) for more than 3 years.  Their goal is to get the most out of you while increasing your wage by an average 3% year after year.  And, if the company is struggling, pay increases might even limited.

Meanwhile, others are taking the strategic approach and are making more than you (even if you’re working harder). Whenever I brought on a new employee, I tried to be as fair as possible and pay them around the same dollar amount as those currently in the organization with around the same amount of experience.  With that said, we still paid someone a little extra if they worked for a reputable or well-regarded company.  The perception was that you were bringing solid experience with you.  But if you grow up in the company, your internal experience isn’t as valued as the experience one brings with them.

If you want to make as much as possible while working for the same company, your only option is to take on multiple promotions.  I’ve seen it happen with my own eyes.  I’ve processed pay increases for people who went from making mediocre wages to over six figures plus bonuses. They maximized their earning potential by taking on additional responsibilities.   If you don’t plan on becoming one of the big wigs, there are other ways to impact your earings.

When I first entered the workplace, I turned down a job similar position at a major hospital because I figured the corporate world open up more opportunities.  Even though the other position offered a higher starting wage, I guessed that swimming in a bigger pond could offer me more opportunities to climb the corporate ladder.  If you work for a company without much room to grow, you should weigh the pros and cons of continuing down your current path.  Observe others who’ve worked at the organization for many years.  Are they constantly complaining about how much they make?  This is a telltale sign. Yes, everyone wishes they can make more, but if people who’ve been there longer than you think they are underpaid, you might be looking at your potential future.

Another option you have is to just ask for a raise.  In my opinion, simply asking for more money isn’t the most effective option.  Most often, we ask for raises from a place of feeling lack.  Sometimes we feel underappreciated or taken advantage of.  Because of this, our message isn’t received by upper management the way we’d like.  It just looks like we’re (selfishly) asking for more.  Timing is everything.  Negotiating your salary after a stellar review is much more effective than asking for a raise out of the blue.

An alternative strategy is for you to take on positions where your earnings are directly tied to your performance.  Most folks like to stay away from positions with sales goals.  Understandably, you’re afraid that won’t do well.  But, on the flip side, people who do well in sales are some of the wealthiest. It’s simple, if you bring more money into the company, you’ll get a cut.  Nowadays there are plenty of resources and videos online that can teach you to become effective at generating sales.  I believe everyone should have some exposure to driving sales.  It’s an ultra-valuable asset to have.  Selling a skill set that will earn you money for years to come.

While you’re still employed, take a look around at how much other organizations are paying for “new talent.”  Corporate America believes in paying the best for high-quality talent.  If you’re performing well at your job now, you might be considered rare talent by the next potential employer.  The key is to do exceedingly well where you are now, then move into a higher paying role internally or see how much you’re worth to someone else.  The times when I experienced the greatest pay hikes in my career was when I left for my employer to take on a position with greater responsibility somewhere else.

Ten years ago, the only suggestion I had for those who wanted to earn more was to strive for a promotion.  Nowadays, I invite you to explore the idea of generating money on your own.  You don’t have to quit your job. But working isn’t the only way to make money.  When I used to process payroll, I realized that some employees lived and died by their paycheck, while others saw it as another of their many income streams. 

Prior to leaving my position, I asked my supervisor for a raise.  I did it as a sign of solidarity because my peers were also asking for pay increases.  In the back of my mind, I knew that these increases weren’t likely and, honestly, I didn’t care because my business was growing at a decent pace.

In 2018, your goal should be to generate income (no matter how big/small) from a source other than your employer.  You can start small by saying, “I’d like to earn enough non-paycheck income to fill my gas tank.”  Then progress from there.   Just know that we live in an ideal environment to create the type of income we desire. The barrier to entry is low so why not take this opportunity to develop a side hustle that helps elevate your lifestyle?

As I plan for 2018, my two main intentions include experiencing additional travel along and making various improvements to my home environment.  Accomplishing both in the same year will require a substantial financial investment.  Without a defined plan, the year could slip by without accomplishing exactly what I set out to do. 

@spiritedpursuit
That’s why I need to devise a plan. A plan that will give purpose and intention to how I spend and allocate my money. Therefore I ensure most, if not all of my goals come to fruition.
The moment I decided to take several trips next year while spending thousands on home improvements, my first instinct was to put the upgrades off until the following year.  But then I challenged myself to think bigger and figure out a way to do both. 
Typically, if we want to spend less money, we default to budgeting.  Budgeting is a great option but I often have resistance towards it.  I think of budgeting like dieting. It’s imposing a restriction, for a period of time, in order to produce a result.  Instead of dieting financially, I’d like to promote a change in lifestyle that easily creates the outcomes I want. 
I still want my lifestyle to feel more or less the same while I recreate my financial outcomes.  With all said, here are some of the actions I’ll take to ensure that everything will get accomplished.
AWARENESS
Most of my spending takes place on my American Express Card.  When the bill comes, I transfer the money from my checking to pay the balance in full.  Sometimes, after seeing the statement balance, I’ll ask myself, “what did I buy?”  Then I review my spending line by line.  This basically lets me know that I have low to no awareness when it comes to how I spend my money.  I’m sure every expense made sense at the time but did they contribute to my overall goal
 More importantly, did the mindless spending bring me farther away from my bigger intentions?
Yesterday, I watched Darren Hardy’s the Compound Effect speech as part of my annual, end of year ritual.  During his talk, Darren tells the story of being a young, successful real estate broker, earning a great living.  At the end of the year, his accountant congratulates him because his taxes owed was only $20,000.  
Darren was in shock because he hadn’t set aside any money (he spent every penny of what he earned that year).  Stunned, his accountant gave him a stern warning that if he kept heading in the same direction, he would be financially bankrupt.  The accountant then changed Darren’s life by advising him to write down every single expense on a notepad. The simple act of writing down every penny spent raised Darren’s awareness in an incredible way.  He says that’s what elevated him from being a guy who made a lot of money to become a person of wealth. Awareness changed everything. I need this type of awareness in my life.  
CHOICE
Once awareness comes into the picture, we activate the next most powerful tool in reallocating our spending in a powerful way. And that is CHOICE.  I need to make the distinction to see if the purchases I make are based out of habit or if they are conscious choices.  I have this problem of buying the same thing over and over again.  Even if it’s not exactly the same, it’s similar enough. There are lots of problems with this behavior but my main concern is that I’m spending based on who I was in the past versus what I want to experience in the future. I need to question whether or not the purchase is even necessary.     When I make buying decisions, my intention is to determine if this money would be better allocated toward my vision of travel and elevating my environment.  

AUTOMATION
Probably the most powerful step I’ve taken to reallocate my flow of money is saving using automatic withdrawals.  Our spending usually balloons to meet our bank account balance.  If I leave too much money in my checking account, I’m likely to spend more.  That’s why I used the Digit App to randomly pull out money from my balance.  It transfers random amounts on a daily basis. As I see the balance decline, I slow down on my spending.  I also draft a certain amount each month into a separate saving account.  But I think I’ll rename that account to something like “2018 Goals & Intentions” or “2018 Lifestlye Buliding” or something like that.  That way, every time I log in, I’m reminded that I’m on a mission. To increase the speed at which that account grows, I’ll increase the increase the frequency to 2X a month.  If we automate our savings, building up lump sums of cash will seem effortless.  This is an example of a lifestyle change versus budgeted dieting.
REVENUE CREATION
Lastly, I don’t just want to save money, I want to earn more of it.  One New Years Resolution I’ll make is to increase my income.  Doesn’t have to be fancy, I could sell stuff I don’t need on Ebay and allocate the money toward my intentions.  I could play around with the idea of working on a project with the goal to generate a certain amount.  The possibilities are endless. I believe in the idea of expanding our income, not just saving to get what we want.  Don’t get me wrong, I love saving money. But I also strongly believe in expanding our earning potential.
Maybe I won’t accomplish every single intention on my list. But I’m pretty confident that more will manifest than if I just walked into the year blindly hoping that everything will just magically work out for the best. 

I’d like to bring up a topic that has been an interest of mine for many years.  Early on in my financial journey, I stumbled on an audio book that forever changed my viewpoint on the most effective way to earn money.  That book was called Multiple Streams of Income by Robert Allen.  In the book, Robert encouraged us to diversify our income sources.  I loved the premise of the book and contemplated someday putting his ideas into practice.

As time when on, my career began to take off and I relied solely on a paycheck.  But that wasn’t a bad thing because the money came every two weeks.  But as I moved up the ladder, I noticed a flaw in this system.  One article I read even called a job a risky way to make money.  In my mind, I’m like “how can that be?”  The money is always there on payday.  What could go wrong?

But over the course of my career, I fired a countless number of people.  Most of them came to work that day not expecting their income to suddenly stop.  Sure, you can get another job, but who knows how long that’ll take or if your earning will be similar to what you had before.  Basically, your livelihood is in the hands of strangers.  That is completely risky if you ask me.  One day, I was at a seminar and the speaker said something I’ll never forget.  While speaking on one topic, he suddenly proclaimed to the audience “I don’t work for a paycheck, I live my life and I earn money while doing so.”  That’s all I ever wanted.  Since then, I’ve wanted to live up to this mantra.

This past week, I spent some time in the wonderful country of Belize.  I rented a luxury villa and relaxed as I experienced all the amenities the island has to offer.  As I ate fresh seafood at restaurants on the beach, the only thought that constantly went through my mind is “how do I make this last forever?”
I ran through scenarios in my mind and technically, I could pack up, move to Belize and continue to earn a living that could support my new lifestyle.  My husband, on the other hand, couldn’t easily transition because he earns money from a traditional 9-5. If we were to move.  His income would completely stop. I’m not saying I want to live there permanently, but I do want more of these types experiences without the restriction of having my income tied directly to my time.

The most obvious way to do this is to focus on generating passive income.  Passive income is such a sexy term because it implies that we make money without having to do any work. The concept of passive income is real but somewhat misleading.  The type of income that’s generated from little to no work will likely be minimal.  You might get to a place where you can live off passive income, but that typically happens once you’ve been building up your income streams for years.

The key is to start the journey.  Take small steps now and they will eventually grow into larger opportunities later on.  For the sake of our conversation today, I’ll refer to passive income as flexible income because there is work involved. But it still entails creating revenue that isn’t directly tied to you being at a certain place during a fixed time window during the day.  Flexible income can be scaled where traditional income is more linear. You don’t have to wait a year for a performance review to increase your earnings.  And if you wanted to travel or incorporate more adventures into your life, you can.

So how does one begin their journey to flexible income?

The options are endless but for the sake of this article, I’ll try to narrow down the options to keep it simple. Nowadays, people fall into two main categories — consumers and producers.   Most of the population are consumers.  We get our paycheck then spend it on stuff.  Every time we use our money to buy a good or service, we are contributing to the producers.  They create the products we use, provide our services and entertainment, they are involved everything we utilize in maintaining our lifestyle.  Most people pay for their goods/services and move on.  Rarely do we think about the fact that someone else is on the receiving end. Someone’s business & life is thriving because of where we decided to spend our money.  It didn’t really connect with me until I started walking/driving through the high-end neighborhoods in our city.  In my mind, I knew that these people did not have typical jobs. They were making their money in a completely different way than everyone else.

We’ve been consumers for so long that it’s hard to switch our mindset to become producers.  We think it’s too hard and completely out of reach.  And maybe it was out of reach years ago.  But times have changed. The internet has broken down the barriers that once kept us bound to a restricted way of life.

Now it’s fairly “easy” to make a side income.  When I say easy, I really mean it’s accessible.  The knowledge of how to do it is at the tip of your fingers. All you have to do is ask Google or Youtube and you’ll find countless resources on how to get started.  My message to you is “do what you can to earn your first independent dollar.”  Once that happens, anything and everything becomes possible.  For a while, your paycheck income will still be a main source of funds but that doesn’t matter.  As long as you’re generating some type of income, you’re moving in the right direction.  If for some reason, you lose your main source of revenue, you can choose whether to look for another job or grow your business.

Everywhere you look nowadays, producers and consumers are commingling.  On social media, you have people who go there purely for entertainment. But there are also people on there who make tens of thousands of dollars on there.  When you go to Amazon, you shop. But do you ever think about how many individuals have replaced their work income thanks to opening up a merchant account on Amazon?  Those are real people.  And they’re not special.  You can do what they do.  But you probably haven’t thought of yourself as one of them.

I have friends who love to travel.  They’re always talking about wanting to quit their jobs to travel full time.  I tell them about all of the people who travel the world while making a healthy income.  They are aware that this possibility exists, but they remain immobilized and don’t do anything about it.  They believe that they have to automatically make six figures while traveling and they don’t know how to do it.   My advice to them is to see if they can small goals and ignite the domino effect.  If it were me, I’d set a goal to get reposted by a hotel or travel page on Instagram.  Once that happened, I’d set another goal to try and obtain a lower price hotel stay by offering to feature them.  If that worked, then I’d set a goal for a free stay or free trip. Eventually, I’d move towards getting compensated for the work I did to bring awareness to the hotel or travel destination.

You see, most people think about starting something and focus too much on making millions. It’s intimidating and keeps us stuck.  I say start with the smallest goal you can think of and start working from there.  Keep moving the needle forward and, before you know it, you will be within reach of making that six figure income we all dream about.  A friend of mine called me the other day and was like “guess what Nadege, I made my first $100.00!”  I couldn’t contain my excitement.  Months ago she talked about starting her online jewelry business and soon it was a reality.  She’s been working on it in between the other projects she has going on.  She took a while to build her online store but I kept telling her…..keep pushing until you earn your first dollar.  Her first sale came in and then she quickly made over $100.00.  Now my message to her is to try to get to $1000.00. Once you earn $1k, you can convince yourself to try to earn $5k then $10k.  It doesn’t have to happen right away, but it needs to happen.

What I’m saying is that, in this day & age, almost everyone can (and should) have a means to generate additional income.  A really good book I highly recommend if you want to transition from receiving only paycheck income to building an income that supports your ideal lifestyle is MJ DeMarco’s Millionaire Fastlane.  MJ just came out with a new book called Unscripted: Life, Liberty and the Pursuit of Entrepreneurship which currently has a 5-star rating.  I haven’t read it yet but I trust his philosophy on creating wealth outside the typical earning structure of the corporate world.   Even if you adore your job and the people you work with, why not try to make extra money just to elevate your lifestyle or to save for large purchases in the future.  Don’t leave your entire financial standings at the hands of others.  I urge everyone reading this who wants to improve their lifestyle, to just start! Take the first step.  And once you do, keep moving forward ’till you reach your destination.

I’d like to bring up a topic that has been an interest of mine for many years.  Early on in my financial journey, I stumbled on an audio book that forever changed my viewpoint on the most effective way to earn money.  That book was called Multiple Streams of Income by Robert Allen.  In the book, Robert encouraged us to diversify our income sources.  I loved the premise of the book and contemplated someday putting his ideas into practice.

As time when on, my career began to take off and I relied solely on a paycheck.  But that wasn’t a bad thing because the money came every two weeks.  But as I moved up the ladder, I noticed a flaw in this system.  One article I read even called a job a risky way to make money.  In my mind, I’m like “how can that be?”  The money is always there on payday.  What could go wrong?

But over the course of my career, I fired a countless number of people.  Most of them came to work that day not expecting their income to suddenly stop.  Sure, you can get another job, but who knows how long that’ll take or if your earning will be similar to what you had before.  Basically, your livelihood is in the hands of strangers.  That is completely risky if you ask me.  One day, I was at a seminar and the speaker said something I’ll never forget.  While speaking on one topic, he suddenly proclaimed to the audience “I don’t work for a paycheck, I live my life and I earn money while doing so.”  That’s all I ever wanted.  Since then, I’ve wanted to live up to this mantra.

This past week, I spent some time in the wonderful country of Belize.  I rented a luxury villa and relaxed as I experienced all the amenities the island has to offer.  As I ate fresh seafood at restaurants on the beach, the only thought that constantly went through my mind is “how do I make this last forever?”
I ran through scenarios in my mind and technically, I could pack up, move to Belize and continue to earn a living that could support my new lifestyle.  My husband, on the other hand, couldn’t easily transition because he earns money from a traditional 9-5. If we were to move.  His income would completely stop. I’m not saying I want to live there permanently, but I do want more of these types experiences without the restriction of having my income tied directly to my time.

The most obvious way to do this is to focus on generating passive income.  Passive income is such a sexy term because it implies that we make money without having to do any work. The concept of passive income is real but somewhat misleading.  The type of income that’s generated from little to no work will likely be minimal.  You might get to a place where you can live off passive income, but that typically happens once you’ve been building up your income streams for years.

The key is to start the journey.  Take small steps now and they will eventually grow into larger opportunities later on.  For the sake of our conversation today, I’ll refer to passive income as flexible income because there is work involved. But it still entails creating revenue that isn’t directly tied to you being at a certain place during a fixed time window during the day.  Flexible income can be scaled where traditional income is more linear. You don’t have to wait a year for a performance review to increase your earnings.  And if you wanted to travel or incorporate more adventures into your life, you can.

So how does one begin their journey to flexible income?

The options are endless but for the sake of this article, I’ll try to narrow down the options to keep it simple. Nowadays, people fall into two main categories — consumers and producers.   Most of the population are consumers.  We get our paycheck then spend it on stuff.  Every time we use our money to buy a good or service, we are contributing to the producers.  They create the products we use, provide our services and entertainment, they are involved everything we utilize in maintaining our lifestyle.  Most people pay for their goods/services and move on.  Rarely do we think about the fact that someone else is on the receiving end. Someone’s business & life is thriving because of where we decided to spend our money.  It didn’t really connect with me until I started walking/driving through the high-end neighborhoods in our city.  In my mind, I knew that these people did not have typical jobs. They were making their money in a completely different way than everyone else.

We’ve been consumers for so long that it’s hard to switch our mindset to become producers.  We think it’s too hard and completely out of reach.  And maybe it was out of reach years ago.  But times have changed. The internet has broken down the barriers that once kept us bound to a restricted way of life.

Now it’s fairly “easy” to make a side income.  When I say easy, I really mean it’s accessible.  The knowledge of how to do it is at the tip of your fingers. All you have to do is ask Google or Youtube and you’ll find countless resources on how to get started.  My message to you is “do what you can to earn your first independent dollar.”  Once that happens, anything and everything becomes possible.  For a while, your paycheck income will still be a main source of funds but that doesn’t matter.  As long as you’re generating some type of income, you’re moving in the right direction.  If for some reason, you lose your main source of revenue, you can choose whether to look for another job or grow your business.

Everywhere you look nowadays, producers and consumers are commingling.  On social media, you have people who go there purely for entertainment. But there are also people on there who make tens of thousands of dollars on there.  When you go to Amazon, you shop. But do you ever think about how many individuals have replaced their work income thanks to opening up a merchant account on Amazon?  Those are real people.  And they’re not special.  You can do what they do.  But you probably haven’t thought of yourself as one of them.

I have friends who love to travel.  They’re always talking about wanting to quit their jobs to travel full time.  I tell them about all of the people who travel the world while making a healthy income.  They are aware that this possibility exists, but they remain immobilized and don’t do anything about it.  They believe that they have to automatically make six figures while traveling and they don’t know how to do it.   My advice to them is to see if they can small goals and ignite the domino effect.  If it were me, I’d set a goal to get reposted by a hotel or travel page on Instagram.  Once that happened, I’d set another goal to try and obtain a lower price hotel stay by offering to feature them.  If that worked, then I’d set a goal for a free stay or free trip. Eventually, I’d move towards getting compensated for the work I did to bring awareness to the hotel or travel destination.

You see, most people think about starting something and focus too much on making millions. It’s intimidating and keeps us stuck.  I say start with the smallest goal you can think of and start working from there.  Keep moving the needle forward and, before you know it, you will be within reach of making that six figure income we all dream about.  A friend of mine called me the other day and was like “guess what Nadege, I made my first $100.00!”  I couldn’t contain my excitement.  Months ago she talked about starting her online jewelry business and soon it was a reality.  She’s been working on it in between the other projects she has going on.  She took a while to build her online store but I kept telling her…..keep pushing until you earn your first dollar.  Her first sale came in and then she quickly made over $100.00.  Now my message to her is to try to get to $1000.00. Once you earn $1k, you can convince yourself to try to earn $5k then $10k.  It doesn’t have to happen right away, but it needs to happen.

What I’m saying is that, in this day & age, almost everyone can (and should) have a means to generate additional income.  A really good book I highly recommend if you want to transition from receiving only paycheck income to building an income that supports your ideal lifestyle is MJ DeMarco’s Millionaire Fastlane.  MJ just came out with a new book called Unscripted: Life, Liberty and the Pursuit of Entrepreneurship which currently has a 5-star rating.  I haven’t read it yet but I trust his philosophy on creating wealth outside the typical earning structure of the corporate world.   Even if you adore your job and the people you work with, why not try to make extra money just to elevate your lifestyle or to save for large purchases in the future.  Don’t leave your entire financial standings at the hands of others.  I urge everyone reading this who wants to improve their lifestyle, to just start! Take the first step.  And once you do, keep moving forward ’till you reach your destination.