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The 3 easiest ways to make more money

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3 easiest ways to make more money
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In the seemingly infinite universe of ways to make more money, there are really 3 easy ways to make money that are relevant to you.

Learn these and you’ll know 90% of the basic options to make more money.

Most people who say it’s impossible to make more money don’t realize this. Some insist that it’s flat-out undoable, while others take an all-or-nothing approach. “You’re not going to invent the next Google, so what’s the point.” Yet, in reality, there are 3 easy models virtually anyone can use to make more money:

  1. Freelancing
  2. Productizing
  3. Getting a higher salary

Let’s cover them so we can have a shared understanding of how to earn extra money as we go into more detail.

3 Easiest Ways to Make More Money infographic

To recap:

  1. Freelancing – Freelancing is taking your skills and turning them into income. Freelancers usually work on an hourly basis.
  2. Productizing – When you productize your knowledge, you create a product that can generate revenue even while you’re sleeping. For example, my book is a product. So is Scrooge Strategy. While products can generate passive revenue, they’re also higher risk, because you’re never sure how many people will buy them.
  3. Getting a higher salary – Since the vast majority of us earn our primary income from our job, this is an obvious strategy. Obvious — yet few of us do it. You can earn a higher salary by improving your skills at work and translating that into more responsibility and a higher salary, switching jobs, or switching entire industries.

Don’t make earning money harder than it needs to be

I’m a big believer in not making things harder than they need to be. Sure, you could embark on a long, frustrating (and probably fruitless) quest to invent “The Next Big Thing” in social media or online gaming. But if you’re looking for the EASIEST and BEST way to make money, most people would be do well to stick to one of these 3 ways.

Not just because they’re simple, but because these 3 exact ways of making money been TESTED by thousands of people before you. You aren’t staking your future on some random scheme that you “hope” will work. Instead, you’re applying your own talents to a proven method to make money – which cuts your risk dramatically.

Which way of making money is best for you?

Your job (now that you know about these 3 models) is to identify which way of making money fits YOU best. Everyone is different. We all have unique circumstances, opportunities, strengths and weaknesses in front of us. For example: a college student working at a local grocery store probably isn’t going to negotiate a huge raise…but he could absolutely freelance. Conversely, a recent graduate who is two years into a corporate job is PERFECTLY positioned to negotiate.

The best way to make more money will vary depending on these types of circumstances. In any case, you should now have a much clearer understanding of HOW to make more money. The seemingly endless possibilities that overwhelmed you before are really just variations on the 3 models.

Thanks to Rasteroids for the great design. If you’re looking for a designer, use them!

Next steps to make more money

Now you know the basics. So how do you turn it into a consistent side income of $1,000+/month? Join my private insider’s list to find out.

Join my free email list to learn my secrets to earning more, starting a business, all while keeping your day job
100% privacy. No games, no B.S., no spam.

 

 

Click to expand transcript of 3 Easiest Ways to Make More Money infographic »

The 3 Easiest Ways to Earn More Money

by Ramit Sethi, founder of iwillteachyoutoberich.com

Freelancing

Freelancing is taking your skills and turning them into income. Freelancers usually work on an hourly basis.

The Pros

  1. Standard rates for most jobs (no matter how unique you think you are) make it easy to price your work.
  2. Work > income is very clear, compared to uncertain income-generating strategies like productization.
  3. Extremely easy to get started.

The Cons

  1. Freelancers are often stuck in a different kind of rat race — working for clients. You’ll need to work to earn money, just as with a full-time job.
  2. Challenging to raise hourly rates (even charging $100/hour is difficult unless you’re fully booked).
  3. Difficult to know which of your skills are monetizable. For example, nobody cares that you can do a 100% blind taste test of various flavors of lollipops.
  4. Where should you get clients? And not just one, but a consistent client base so you have a steady income?

How to earn money

  • Per-hour
  • Per-project
  • Retainer (e.g., ‘You have access to me for 3 months’)

Examples

Marketing consultant, web designer, blog/sysadmin consultant, freelance writer, dog-walker, babysitter. I’ve been a consultant to the Omidyar Network, yenture-capital firms, startups, and individuals.

Productizing

When you productize your knowledge, you create a product that can generate revenue even while you’re sleeping. For example, my book is a product. So is Scrooge Strategy. While products can generate passive revenue, they’re also higher risk, because you’re never sure how many people will buy them.

The Pros

  1. Generate revenue while you sleep.
  2. Scale your knowledge to a greater audience than freelancing (e.g., you can sell more ebooks than you can serve individual clients).
  3. Products allow you to dynamically test pricing and offers to find your sweet spot.

The Cons

  1. Most products are a piece of crap, especially online.
  2. It’s difficult to know who will buy your product, how many items you’ll sell, and what to price it at
  3. Logistics of selling products include payment processors, email software, blogging, social networks, etc.
  4. Hard to market products in a sea of other horrible products. Can be expensive to acquire customers.

How to earn money

  • Create a freemium model (like this blog: Thousands of people who like the free stuff go on to buy my book/Scrooge/my Boot Camp).
  • Charge for single products like books or ebooks.
  • Create a recurring product (like Scrooge Strategy).
  • Create value-added content and sell affiliate products. For example, when I wrote about how to hedge fuel costs and showed how I do so using my ING Direct account, it generated massive interest and massive signups for ING accounts… each of which sent me a $20 fee.

Examples

I Will Teach You To Be Rich (book), Scrooge Strategy (btw not to plug my own stuff, but it’s worth buying products not only for their benefit, but to closely study how they deliver material, increase conversions, manage retention, deliver an amazing customer experience, etc. Ok, that was totally a plug for my own stuff.), SE0 Pro Tools, any of the extreme travel guides at UnconventionalGuides.com, stuff by Tony Robbins, GTD training courses, etc.

Getting a higher salary

Since the vast majority of us earn our primary income from our job, this is an obvious strategy. Obvious — yet few of us do it. You can earn a higher salary by improving your skills at work and translating that into more responsibility and a higher salary, switching jobs, or switching entire industries.

The Pros

  1. If you don’t know what it takes to get a higher salary, there’s one person who does know: your boss.
  2. Salary increases are cumulative and tend to follow you through your career, so someone earning $60 or $80k in their 20s already has a high salary relative to peers – and that will likely continue through their lifetimes.
  3. You already know what to do to get a salary increase: Get better at your job and make your boss’s life easier.

The Cons

  1. You might not like the result of digging into this closely. For example, if you’re an entry-level employee at an art gallery and you discover that it will take you 20 years to earn even $55k, will you switch industries?
  2. You’re dealing with something out of your control — your company’s budget and your boss’s discretion — so putting more effort into your job doesn’t always pay off.
  3. Hard to know exactly what proactive behavior will get you a raise vs. what will make your company nervous about you.

And there’s a basic overview that will teach you 90% of what you need to know about earning money online. Use this as an intellectual framework that you can plug future income-generating ideas into to see where they fall.

Of course, I hate presenting options without my specific recommendation, so stay tuned — more to come on how to earn money, I Will Teach You To Be Rich style, soon.

Join my free email list to learn my secrets to earning more, starting a business, all while keeping your day job
100% privacy. No games, no B.S., no spam.
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164 Comments

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  1. Hey Ramit, you spelled “generate” with an “m” in the first bubble of “productizing.”

    • No he didn’t. s/he spelt it correctly, get your eyes tested man.

    • Hey Bill, I think it is not letter “m” but it is “n”. Maybe it is on your computer screen, cause sometimes it gone blurred when our eyes where tired.

      By the way, I love points you hit here Ramit. Very detail. Now I know what numbers I am doing right now and it is on number 2. Productizing is a much work at start but when you finish the product, it’s like snow ball effect.

      CheerS

      EVE of BloggerBux

    • this one helped me a lot as amateur i m lol
      http://publishersxmoney.blogspot.com/
      nice guides methods to make money without investing a dime

    • Sir I am Ashok Dixit and I want to rich man

    • just do networking business

    • Vincent joseph Gadacho Link to this comment

      Is the spelling really more important, or the content for the readers?

    • Earn money not Easy but if you can learn our article it,s increase your experience..Than experience make easy way to earn money online.s Are you want to earn money Easily .Plz…visit http://experiencemakemoney.tk It,s relay helpful for beginner…………

  2. Ramit, you should consider those of us that work on salary plus earn overtime. With most companies “right-sizing”, asking to take on more responsibility and assignments allows for more hours to be worked, and also looks good in the eyes of management who ultimately control your upwards mobility.

    It has the upside of freelancing and a job, with less downside.

    • Hey guys just for your own info, I think the best and the easiest of all ways to earn online is through watching ads or clicking ads , less work with a strategy and quite good earnings too , they aren’t get rich quick schemes or nonsense typoos but if u learn the strategy you will get good cash for less time , I am working with these sites http://topbestptc.n.nu and roughly I earn like $56 daily, it might not be much but I reached this with no much work really

  3. Nice graphic Ramit and great information. Thanks!

  4. I’m happy for you that your blog and book have done well, Ramit. I own a copy of your book, and I like it. But your blog stopped being fun to read not long after your book came out, or maybe even a little bit before. It’s like it’s lost its soul or something.

  5. Clear and concise. I like it.

  6. Nicely presented!!

  7. I think freelancing is a good idea however unless your skills or portfolio are really good there is a lot of people to compete with, just do a search on elance to see how many graphic designers are out there… Need to have a unique selling point.

    With a bit of research, creativity and work a product like an e-book can be a great way to make money online.

  8. Sexy graphic, well done. I especially like the “most products are a piece of crap, especially online.” Low barriers to entry mean flooded markets. Obviously, someone can combine these strategies to make an income cocktail that gets stronger over time. Future post?

  9. A problem a lot of US freelancers face is competing with people from lower cost countries. One of my best tips for US freelancers is to look for clients who are making enough money to afford to pay for quality.

    If your clients are beginner Internet marketers, they are not going to be able to afford to pay you a lot. However, clients who are already malimg more money can afford to pay for higher quality services.

  10. My goal for 2010 is to beef up my freelance income to half of my office job by December 1.

  11. I just wanted to point out that doing one of these can often lead to doing another. I started out trying to productize knowledge (and still intend to do so), but was approached by a company wanting me to freelance…for 2.5x the hourly wage I make at the hellhole I currently call “my real job”. Yeah, guess who didn’t say no to that offer. 🙂

    We’ll have to see if it’ll be a one-off project or a more consistent relationship, but if we develop the latter I can replace my entire 9-5 income by working only Monday and Tuesday each week. In a currency that’s stronger than my own.

  12. Spot on for the big CON on getting a raise: make sure you can. Some people work their butts off the get better at their job, take on more responsibility, etc. And then they finally ask for a reward and are either told “no” or aren’t given what they thought they’d get.
    Massive letdown.

  13. rasteroids needs an editor.

  14. The spelling error pretty well cancels out the neat-o graphic.

    I was going for route #3, but yesterday my bosses informed me the company has no money for raises this year. I’m interested in #1 and #2 and will be checking out the new site.

    Thanks Ramit.

  15. I disagree that working for a raise is a con. Agreed, nothing is guaranteed, but doing better work with increase responsibility will make you more valuable. If the company you’re with doesn’t want to pay you your market rate, take your work somewhere else. Freelancing and productizing aren’t guarantees either. Ramit puts up a lot of free content on this blog in hopes that a small fraction of the visitors will actually pay for something. I imagine that when he started this blog, Ramit’s hourly wage was pretty low.

    Of course, the big caveat in working for a raise is that you are as valuable as you think you are. Unfortunately, as Ramit likes to point out, the odds are that you are average. And as an average employee, you will get average raises and bonuses.

    “But my boss has never said anything negative to me ever, he always praises my work!” Yes, you probably have an average boss too–one that likes giving out positive feedback and doesn’t like to give out negative feedback. Negative feedback is awkward and normally not taken well, so most supervisors avoid giving it.

    What’s worked for me… (your results may vary).
    1.) Talking to my boss and team lead about what they need.
    2.) Asking for negative feedback, then sucking it up and taking it when its delivered. Trust me, no one likes to be criticized, even when you ask for it.
    3.) Letting my boss know what my goals are. He knew I was looking for a supervisor job, and he actually called up one of his friends in the organization to get me into a slot. I did good work for him, and he’s helping me take that next step. I should also note that I’m not getting a pay raise in the switch either. I just know that its good for my career and future earning potential so I’m taking the job, even though its more work for the same money in the short term.

  16. I love the graphic. Images can convey ideas much better sometimes.

    Moving abroad to teach English can also easily add an extra $1000 per month.

    Incomes are not always great but taxes are low and you will drastically reduce your living costs and consumption living in a foreign country. Japan, Korea and Taiwan are the best choices to save money.

  17. I like green, looks aesthetically pleasing to my eyes. Anyways, I tried looking for the webstream that I missed last night. Seems to just be a 1:07 video of your frozen face where you end saying you’ll restart the video. Is there a different video up of last night? Thanks~!

  18. I want to do a combination of options 1 and 2 so that I’ll never have to bother with 3 again.

    I’m actually avoiding a promotion because it will mean no increase in salary and going from hourly pay to salary pay, which means I’ll be at work nights and weekends with all of the other people on salary. They really overload people on salary with more work than they can get done in a 40-hour week, and time with my family is more important to me. I don’t intend to be a “lifer” at my job anyway.

    Can’t wait to hear more on this series.

  19. tamiko@rasteroids Link to this comment

    Sorry, folks. The spelling error was my mistake, not Ramit’s. I’m usually super critical about grammatical and spelling errors, but missed this one on the fast turnaround. Hope you enjoy the valuable information Ramit presents here!

  20. I like the presentation, I understand the need to keep the product side heavy on the selling portion. I’m super happy you didn’t include an “investing” bubble unless it was going to be buying into a real business and working to make it profitable (like a franchise).

  21. This reminds me of an article back in 2007 called the “Hierarchy of Earnings” by Daniel Tenner. According to Daniel the hierarchy is 1) Employment 2) Consulting 3) Productizing 4) Managing 1,2,&3. Basically, it says employment is probably an evil necessity before you can think about 2, before you can think about 3, and finally, 4. These are the logical steps to “smarter earnings.” However, my suspicious is that most people in this world are happy with just employment, so they’re stuck with step 1 all their lives.

    Great post Ramit. I love your blogs, it resonates so much with what’s been on my mind.

  22. Great information and loved the graphic.

  23. I can’t wait for the new site, Ramit! I have already been planning and working on earning more money on the side, and have only now started to overcome some of the psychological barriers that have been stopping me for months. However, I’m planning on making my 1k (or more) per month by buying & selling on eBay. I’m not sure where this fits in, but it probably doesn’t matter.

  24. @Kevin M: had a similar situation with a small business I am employed by. Rather than a traditional pay raise I now own ten percent of the business. Might be an alternative option to consider if you are entrepreneurial and know your stuff.

    @Kat: I see your point on the pay raise. Could it also be that with the extra responsibility you lose the time you could otherwise spend diversifying your income? If you had five freelance contracts paying your annual wage for a year and you lost one, it would be a lot more manageable than if you lost your job. Personally, I think both are good exercises, but which is more of a priority to your personal circumstance?

    @Ramit: like the post mate! Keep up the great work. Definitely will be implementing all three in my various business involvements this year.

  25. This is really good stuff presented in an easy to understand way. I’ve conquered 3 but want to do more with 1 and 2. Also the thing with 3 is the possibilities are still limited in terms of the money. Sure you can make millions but a salary is usually capped.

  26. @Dave Overtime and extra hours are not really ways of generating an alternative source of income, and relying on this is often a misstep in personal finances because you can never rely on making those hours.

  27. The opportunity commenters are overlooking with #3 is the unexpected one. The standout employee in the group who wasn’t able to advance due to lack of mid level positions or get a raise due to budget will be the first one picked for a special assignment, transfer to a new program, or other “one time” opportunity. Don’t forget about these kind of opportunities! Similar to avoiding a layoff you need to have positioned yourself well (new skills, working outside your stated responsibilities, develop unique value, etc) before you know why you need it. Not to say you shouldn’t ask around and see what paths others have taken… just be aware that your company might have opportunities beyond traditional advancement. The lateral move is a power tool in your career both to escape a job you aren’t trilled with and to advance yourself.

    For people looking to get ahead at a 9-5 job, find a mentor! It doesn’t have to be an official thing. Just ask someone you connect well with who seems to have a job you might like someday out to lunch and ask them how they got there. Join a professional organization related to your field and ask someone at the next meeting about what they recommend for the next step. Ask your friends, parents, neighbors, etc if they know anyone who has done well in their field that you’re looking for some guidance. In other words tap into your network. If the first person you find gives you lousy advice find someone else! Also, a mentor can help you come up with the kinds of questions you need to be asking your boss and clear up confusing feedback.

    to sum up…
    1. don’t assume the obvious advancement path is the only path
    2. find a mentor!

  28. Ramit, great webcast last night. Thanks for the info.

    A point I think that should be mentioned is that each of these 3 ways to earn money can be viewed as stepping stones so that all strategies can be used, eventually. Freelancing is a great way to beef up your education on a particular topic, helping you define yourself as a guru. Your new-found guru status will most definitely be useful in productizing your ideas. Being able to deliver quality and value is key. Finally, a popular product may get you hired by a larger company where you can have a steady salary that increases over time.

    • Everybody read Vin’s comment because it’s excellent.

      Don’t think of these 3 methods as the “3 you MUST use.” I’ve used all three, but at different times. Now that I have experience in all of them, it’s like having deep experience with a set of tools — you know when to use a hammer or a wrench or simply get in there with your bare hands.

      How do you know which to start with? And how to get mastery of it? That’s what we’ll be covering in the coming weeks.

  29. I might be nuts, but I’m trying to do all three simultaneously. I’m an illustrator, and despite the starving artist stigma, I’m finding it to be an industry with a range of opportunities. I’m freelancing a children’s book (added 20% to my income), selling prints of my work through etsy, and I work full time at an animation studio.

    You’ve actually tackled the subject of women and money more than other blogs I’ve read, so any more ideas on that subject as it relates to full time jobs and raises would be helpful.

  30. I also like the idea of utilizing all three simultaneously or at different times of life. Will you also be speaking more to the business models proposed by @timferris in his books? More and more, in this economy, having your own personal brand and diversifying your profit centers is important. The key is not to become too scattered.

  31. I would like to let people know that I started receiving a lot of spam on my email account when I signed up for this web site. I do have a prof for it. So be careful when you give your email to this guy. I guess this is how you can get rich faster.

  32. Steve, I like the diversification of profit center thought. I guess it is similar or the same as the multiple streams of income but it makes me think about it more in the portfolio context.

  33. [Edit from Ramit: I deleted this comment after trying to reach out to the commenter and discovering it was a fake email address. I’m happy to have constructive criticism, but don’t hide behind anonymity — leave your real email address so I can get in touch, as I tried to do here, and learn how I can do better.]

  34. Nice work Ramit!

  35. It won’t earn you more money, but The Big Lebowski just came on and relaxing more will help you work up an appetite to get back to worrying about money!

  36. […] back to yesterday’s framework on the 3 easiest ways to earn money. In Elizabeth’s case, since the letterpress stationery is hand-made custom for each client, […]

  37. […] the original post: The 3 easiest ways to earn more money | I Will Teach You To Be Rich January 7th, 2010 in […]

  38. @Josh: I definitely agree with your point on diversifying income. In fact I had a friend who benefited from exactly what you brought up–she worked as a freelancer and had a part time job. When she was laid off from the part time job she still had income.

    Unfortunately, in the field I’m in (intelligence), and the field I’m interested in pursuing (law enforcement), freelancing is generally referred to as “espionage” and “vigilantism” respectively :-). Obviously, I could do other types of work on the side. However, I really want to become a senior manager in a federal law enforcement or intelligence agency. Therefore, it’s best for me to spend my time progressing that career, even if I could make more money spending that time elsewhere.

  39. […] I Will Teach You To Be Rich looks at the 3 easiest ways to earn more money. […]

  40. @Elliot True, overtime is not an alternative source of income per se, but supplementary to your salary.

    For me, I work more overtime then I have time for. 80 hours is a slow week for me.

  41. My goals:

    1) short term (by end of February)–find stable source of freelance event planning work to earn $1,500/month and cut my hours at the full time job by 1/3.
    2) mid term (by August)–earn min of $1,000/month w/ consulting business and cut hours at job by 2/3.
    3) longer term (by 2011)–maintain freelance earnings and earn $3000/month w/ consulting business w/ clts and speaking engagements. Quit Job.

  42. RoadToFinancialFreedom Link to this comment

    Once I finish the police academy I am going to look for a parttime job at a local security agency. Since I will be POST certified they have to pay me $22/hour. 20 hours a week can bring in an extra $1760/mo before taxes. That would be wonderful! I need to beef up my emergency savings fund.

  43. Based on my personal experience, the best way to increase your earnings is to earn a higher salary. This will vary for each individual, but if you are in the right industry you NEED to be aware of opportunities elsewhere in your industry. Chances are you will never see significant pay increases staying at your company for the long term. You CAN however see accelerated promotions and pay increases by changing companies, which is what I did 4 months ago. I ignored the recruiting calls for over a year, but when I realized my company was not willing to give me the promotion I wanted, I finally started listening to the headhunters. I leveraged two separate opportunities against eachother and got the promotion I wanted and better than a 40% raise. These opportunities are out there for the right people, you just have to be willing to consider leaving your company for the right opportunity, and possibly even relocate (which I did). It would have taken me 3-5 more years at my previous company to gain the position and salary I now have.

  44. I agree with Aaron.
    From my experience and others’ too, the best way to increase your earnings is to earn a higher salary.
    And usually this is achieved by changing companies.

  45. Wow, this post explained SO MUCH to me!

    I have a friend who is trying to get me involved in a ‘get rich quick’ scheme that would involve me selling products to family and friends. I’m not comfortable doing that, but felt really confused when she asked me how I would reach my financial goals without it. Now I know the answer!

    I’m planning on investing a lot of time and effort at my brand new full-time job (I start tomorrow!) and focusing on that for a while.

    Thanks so much Ramit, keep up the awesome work.

  46. Folks, I’ve been signed up here for six months, and never had a problem with spam [it also seems common sense to have a separate e-mail address for signing up to stuff like this/Scott Young/Amazon whatever- you can always download Windows Live Mail to have your various e-mail accounts to your desktop].

    Ramit, just bought the British edition of your book and loving it, although it is a bit disconcerting to see you write about having a few ‘quid’- guess I’ve just been reading this site too long [I’m sure it will be a big help that you’ve tailored the product to a British market].
    Thanks man!

  47. The internet has opened a lot of possible ways for us to make money online. I started my own free hosted blogsite and I also joined affiliate programs. Getting paid to write is also a good way to have a part time job. If you have great collectibles, selling on ebay is also a cool way to make money.

    Thanks for the share.

  48. […] The 3 easiest ways to earn money: An infographic. […]

  49. clear and concise I’ll put it to test

  50. Great post! Very clear overview of some feasible options.

    I just signed up for http://www.earn1k.com and can’t wait!

  51. embedding a link to ING within a popular article is pretty clever!

  52. Okay, I want to work on all three–but I did successfully go through point #3! Last year my salary was frozen; I leveraged for a new position (leverage is a very good word here , , ,), and got a 12% raise! Now to work on the other two points . . !

  53. […] of the 3 easiest ways to earn money, we think the easiest way to earn money on the side is to freelance. You can start earning money […]

  54. I agree Ramit, making money in your sleep is the way to go. In my free time I research keywords and create blogs and write good content for them. These sites can created residual income for me or what I can Websidual income.

  55. […] great resources, like those mentioned above on his site. For example, check out this graphic on the 3 Easiests Ways to Make More Money: Clean + Simple. Gotta love that […]

  56. I don’t agree with all of the cons listed for productizing. If you create a great product, it will shine among the crap products. Customer acquisition doesn’t have to be too pricey, either. Instead of payment processors, you can go with paypal like a lot of internet marketers do.

    Also, until you come up with your own product, you can try affiliate marketing. You can pick up a popular, highly converting product from a digital product marketplace such as clickbankl and paydotcom, download some nice free report related to its niche, and give that away as a bonus if they puchase from your affiliate site. You can gewt people to opt-in to get the freebies, collect their email addresses (an autoresponder such as aweber, which Ramit also uses costs about $17/month) and upsell other products to them later.

    Web hosting can be as cheap as $4.95/mo and a domain registration is less than $10. It costs next to nothing to set the whole system up and start selling. Once you build a sizeable mailing list, you can promote your own product to your list.

    You can also learn to do keyword research, find hot niches with very low competition, launch some blog sites related to those niches, post aa bunch of informative articles, monetize the blog by sprinkling affiliate links and adsense in it, once you get some traffic and $1-$2/day income turn it around and sell it for a decent profit on flippa.com. I have seen such sites sell anywhere between $300 and $1500 on flippa. If the site has potential to bring more income, you can sell it for the higher price. Rinse and repeat, make 50 sites like that, and you won’t need a day job again.

    You can take this very comment I wrote, add some more information to it, turn it into a nice pdf report and start building your list in the internet marketing niche, for example. All of the work will not take longer than a few hours of your time 🙂

  57. Ramit, you forgot one thing when taking into account working for a higher salary. Im not sure how the tax system works in the states, but surely you have to consider the tax implication for working more just to purely increase your disposable income.

    Since Im an Australian, we work off a progressive tax system i.e. you get taxed higher for the higher income you earn. I think people should also consider tax situation specially when considering doing freelancing and higher income.

    Is the extra 4 hours of work, worth an extra $2k a year i.e. $38 a week?

    Food for thought

  58. I agree, the best way to save more money is to EARN more money. My wife and I used to argue incessantly about all the little things we did that costed money. The funny thing about it is, the more money you make, the easier it is to make more money. I believe it is linked with what Ramit calls ‘barriers’, ie. when you make little money, you psychologically program yourself to not be open to making much more than that. Our income has increased almost exponentially from 40K to over 190K) over the past 4 years due to focusing on excellence, asking for more responsibility (my wife), and doing outside consulting (myself). Earning more money, while keeping expenses mostly the same, is the ticket to having LOTS of savings available.
    Great article Ramit!

  59. I loved your graphic and how you broke the topic into very clear and distinct areas.

  60. I’m really loving these articles so far. Thank you for the hard work you are putting into this. 🙂

  61. Hi Ramit, I can’t see the whole graphic – could you please re-post? Thank you very much!

  62. I have written over 100 lyrics and poems. I could use this talent to earn some money.

  63. Just wanted to say great stuff, just bought your book and love it : )

  64. […] The result? There’s amazing content in the course alright. Freelancing is not necessarily an easy route, but it is supposedly faster than productizing and more rewarding  than getting a higher salary. […]

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  67. Great points Ramit. I totally agree with the idea that the next big inventors are lying at the side of the road. Its something I struggled with in my initial days, trying to invent new stuff, the next big thing and all. Time and experience taught me that improvising things is the best way to move ahead and earn more money from.

  68. I’d recommend surveys like the others, I do surveys all day, not back to back but ill leave my computer running with a survey up to go grab a bite to eat or do something then come back and finish up like 4 or 5 surveys. You do need a decent amount of time on your hands but it does pay off at least the site I use pay off they have a lot of surveys over $1 thats what i try to go for no less than $.70 and your cash out point is $10 its pretty easy to get to that if you fill out the basic info and take the survey that will qualify you for more surveys so you wont waste your time filling out prequalifying surveys. I started off doing about $3 worth of surveys everyday thats about $100 per month thats not much but its $100 extra per month, again i didnt sit in front of my comp all day I left and came back to finish up surveys just took my time you’ll be surprised how many you get done and I did a lot of surveys on my phone whenever I am on the move, you also get paid by getting referrals also. I have a lot of time most of the week so Im persistent with surveys I just do them and get a small check every month, when I busy I just do them from my phone.

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  71. Thank you for sharing the article. It’s very useful. Hope to hear more from you.

  72. Hi Guys , Hi Rammit

    In my case freelancing was just the first step. I startedd to subcontract some tasks and then I build up a small company. it was not easy at all. Getting your product in front of potential customers was a great challange.

    sometimes You can creat a great product or srvice but nobody knows about that…

  73. Amazing! Its genuinely awesome paragraph, I
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  74. Satya Ranjan Sikdar Link to this comment

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  75. Hi, Ramit!
    You know, I’ve been reading your blog, watching your videos, applying quite a few of your recommendations and so far it’s been going no great. I work an 8am to 6pm job as coordinator of business intelligence at a big beverage company. I’m very competent. I know how to read Nielsen ratings and create strategies from them that can boost results, I dig into our client base through data mining and find exactly where our sweet/sour spots are and act on them, I can do reports that are actually useful, etc, etc, etc. Also, I have absolutely no idea how I can use any of these skills to earn money on the side. I know you’ll say that I’m probably lazy and haven’t done my research, but I actually have. I know companies that’ll hire me for these skills, because they’re useful to big companies, but that’s not the point since I already work for a very good company (just not making enough). It doesn’t help that I’m a single mother that works full time, I know. Every idea I’ve had would take up too much time and not yield the best results.

    Maybe I’m being vague? Not specific enough? I know you don’t give your best advice for free. But maybe you’ll address this at some webcast soon?

    Really glad I’ve run into your work!

  76. Wow! That’s a really neat answre!

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  106. Many people doing these things from office job but some people try fiverr and freelancers website to make good money.

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  119. Very good information here! One thing I’d add is an emphasis on mastering your craft. Becoming highly skilled in a specific field would open up more doors for you in some of these categories, like getting a higher salary “productizing.” If you write a book, people would be much more likely to buy your book if you write about the subject you’ve mastered, and mastery would also reduce the risk of people not buying your book. I’m looking forward to reading your free book! Jaret Grossman, my favorite motivational speaker you may have heard of, is giving one out too. It’s called Cracking the Code, and it helps people become the best person they can become. Here’s his website if you want to check him out, he’s awesome: https://jaretgrossman.clickfunnels.com/order-form-9242124

  120. I have been tried some of these and making money from it. I will definitely use this on my blog http://blogginggyan.com
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  121. Oh, I really think that one of the best ways to make money is to play for example poker or blackjack in online casinos. I read on http://www.mobilecasinos24.com that there are plenty of different mobile casinos where people can play. Awesome!

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  125. Really wonderful post! I think blogging is one of the most underrated ways to make money from home. But too many people are intimidated by it. The best thing to do is juts get started!

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  143. It’s quite easy to make money online. You can start your own business easily. Just create a website. You’ll have access to the entire web and unlimited selling potential.

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  144. My Absolute favorite portion “get a higher salary”. Thats great. But on a serious note, what do you think of affiliate marketing as a whole? Considering you mentioned “productizing”, it seems the “training” products mant affiliate marketers put out leave much to be wanted. I understand you don’t want to give the farm away, but I notice the “secrets” they share in their products are merely already known things, like “buy this and put it on ebay or amazon”. Just seems like a shell game at times. One thing I as a new internet marketer am trying to do is out some of those terrible tactics, and provide true, valuable products that can really help people. Anyway thats my 2 cents. Great article btw.

  145. Productizing is number 1 for sure. What could be better than making a a living doing what you love?

  146. Hey Ramit,

    I agreed with your three core points about making money, but I am the little bit afraid regarding freelancing because you can’t make primary income instead of secondary income. I hope when you read my comment then you will response me.

    Thanks,
    Rameez

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