Last Updated on Apr 8, 2020 by James W

You’ve probably heard the myth that you ‘need money to make money’ particularly when it comes to creating assets. If your plan is to buy a few houses in order to generate rental income from tenants, then yes, that would be true. However, today, someone with hardly any money, credit rating, or access to resources can achieve financial freedom; particularly when looking at opportunities online.

Today, with the power of content marketing, anybody can build a substantial income from creating online courses, e-books, and affiliate advertising at very little start-up cost. The most important benefit to this, is that once an asset (e.g. an online course) is built you can leverage the asset multiple times via automated systems without any further time investment.

See, the challenge when looking to make an extra income is that most people earn a living by trading the most precious resource of all, their time in return for money; whether you stack shelves in a supermarket or perform open heart surgery – in both instances, you would be swapping your time for money.

The amount you are able to trade your time for is contingent on the value you provide; an attorney will often charge more for an hour of their time than a janitor – because the service they provide has a higher perceived value. That’s not to say they have more value as a human – it just means they are contributing more value to a client from the hour they spend doing what they’re doing.

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The challenge, even if you are a highly paid attorney, is that if you want to earn an extra income there are only so many hours in the week that you can trade your time for money – and there’s also a ceiling that people are willing to pay. Similarly, presuming you value your life beyond work – you need time to enjoy life.

Here are two simple ways you can start to have the money you already have start working for you – rather than you having to work for it.


Investing in the stock market can be a daunting place for a beginner however websites like can help you find a great online stock broker. There’s a number of online stock market trading courses you can take to get your head around the logistics, but in reality, it’s reasonably simple and there are some low risk strategies to protect your downside.


Admittedly, you need money to start with but if you were to have $100,000 in a high interest bank account, some of which will pay up to 20% interest in countries such as Turkey and India – that would be $20,000… which is a decent yield given the money invested is not at risk; unlike in the two options above.

In summary, the smart way to make money is to have assets that are working for you; whilst it can take some time to build the asset, once it is built, other than a little maintenance and administration – it can be leveraged time and time again. The key point is to wean yourself of off trading your time for money, and instead, start having your money work for you.


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Founder and chief editor of Blogger, Affiliate Marketer, Tech and SEO geek. Started this blog in 2011 to help others learn how to work from home, make money online or anything related to business and finances. You can contact me at