Expand your income, go online earn money without investment

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We receive a lot of advice from financial advisors whose aim is to invest a portion of our gross monthly income in a Pension Fund, Retirement Annuity Fund or Provident Fund. The purpose in 99% of all cases is to enable us to retire comfortably in our old age. But what if I don’t want to work my butt off in a job I hate for the rest of my life? What if the “pie in the sky” to retire rich one day does not resonate well with me? What if I want to make extra money right now, moving in the direction I want, doing what I love and live a fulfilling life? What are my options and can I achieve this?

The good news is: You do have options to make additional income

With the traditional investment method, to receive a decent return, you need to invest a decent amount of money. Where do you get this extra money from? If you are on a tight budget or even worse if you never had the opportunity to go to College and get a high paying job? You can be brave and borrow it, hoping that the return will be bigger than the cost of borrowing the funds. Given your current earnings who will anyway borrow you funds to play with?
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“The only thing standing between you and your goal is the bullshit story you keep telling yourself as to why you cannot achieve it” – Jordan Belfort
I find it fascinating that the Financial Services Companies, who carefully look after your funds, making it grow, are listed under the top 40 companies on the South African stock exchange. It does not matter where you are in the world, I bet that you will find an Investment Company in your country that is listed under the top companies. How do they make money? They make profits from the commission charged on investing funds for the poor plebs they are supposed to make rich. There are a lot of people in on that commission, from the Financial Advisor right through to the Fund Manager in charge of the funds. The business of Financial Services Companies is extremely complicated. And with certainty, you can know that they will not make you rich. If you have watched the movie “Wolf Of Wall Street”, then you should know exactly who is making all the money and who is having all the fun. In this article, I want to inform you of the good news. You do have options to make extra money right now. You don’t have to be stuck in the job that you hate for the rest of your life and that you do not have to wait for your retirement age before you can live comfortably and with ease. To make additional income, the only course of action you can take is to go online earn money without investment. The internet is the only marketplace where this is possible. The reason being: Ease of entry, low regulations and scale benefits. It is possible for anyone to go online and to earn money without investment. The biggest investment that will be required of you is your time.

The buck stops with you

If there is one thing that you should take away from this article it should be: That only you can only make you rich, the buck stops with you! This is an extremely important mindset to have. A number of years ago when I confronted the financial adviser with the principle that I would rather reinvest funds in my own business because I believe my own business would provide the highest rate of return. I was greeted with disbelieve that I would be capable of making such massive investment decisions myself. The person actually attempted to persuade me that I am not capable of handling my own business and that I should rather trust the Financial Services Company because of all the knowledge and skill that they have at their disposal. It strengthened my argument about the fees that I would have to pay for all that knowledge and skilled people. I have not come across any person that became rich by investing with an investment company.

Everything starts with your mindset

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Nothing in this world happens without a thought first. Before action, there is thinking. Therefore before one attempts to take action making extra money, you should pay attention to what you are thinking about and what thoughts precede your actions. Your thoughts originate from your mindsets and beliefs of your perception about your ability to take charge of your own destiny. Beliefs are only the same thoughts that you are thinking and reinforcing. If you believe you are capable, then you have the ability to make loads of additional income. I have also learned the hard lesson, through costly mistakes that nobody is going to make you rich. This is a task that only you are willing and able to perform. I have scrutinized many businesses during my career as a Chartered Accountant and I can truly say very few investors succeed with their investments in businesses where they are silent or uninvolved. I do not suggest that it is impossible it is only highly unlikely.

The Tai Lopez formula to earn additional income

Tai lopez iamWe have all come across an online advert of Tai Lopez somewhere. Tai Lopez has 2.9 million followers on Instagram, 6.2 million fans on Facebook, 1m subscribers on YouTube, and 1.2m followers on Twitter.  He is an advisor to over 20 multi-million dollar businesses. Through his popular book club and podcasts ”The Tai Lopez Show” he gets around 800,000 downloads per month making him one of the most successful online marketers. Tai has shared a formula for the ideal Lifestyle which I would like to present here because it is so relevant to the topic. Your Goal is Your Lifestyle: L According to Tai, you should not strive to only make money. The reason being that he knows many people who are filthy rich in whose shoes he would not want to live for one day. Tai talks about this chap who is a billionaire but the guy is too fat to be able to get up from bed and walk! This guy cannot enjoy the fruits of his wealth. Very few people would willingly exchange their life to be a billionaire but chained to a bed. This is an example of “how money is not everything in life”. One should rather strive for a balanced lifestyle. Each person’s ideal lifestyle is different, for some it is being able to travel the world, for others it might be to be able to work from home and be your own boss and others it might be to be able to comfortably provide for your family. To make a success of earning a sufficient income, one has to consider not only the money but the ideal lifestyle goal. Passive income (P) leads to the ideal Lifestyle  Having a sustainable passive income will result in the free ideal lifestyle everybody is yearning for. The objective is to contribute to your passive income endeavor, up to the point where your passive income exceeds your active income. You can think of your passive income as ” the goose that lays the golden eggs”. Keep feeding the goose and it will continue to lay those golden eggs. In practical terms it can be property investments from where you earn monthly rental income, it can be Bitcoin, it can be Domains that you have invested in. The definition of passive income is that it makes you money while you sleep. 3 Active incomes: A1, A2 and A3 As soon as you spend any time on your income it becomes your Active income (A). Your first active income is your current job A1. Your 9-5 job. A1 pays all the bills, taxes and livelihood. For many, it is what they have studied for years as a career. An engineer, an accountant, law, human resource manager, driver, Mcdonalds cook etc. This is your day job. Many spend years mastering it, just to find that they do not end up with sufficient passive income or the ideal Lifestyle. This may be a dead-end of salary slavery with very little fun and the prospect of escape from. You do not want A1 to be your only income, because you will be stuck in the same position for a very long time. Albert Einstein is broadly credited with exclaiming “The definition of insanity is doing the same thing over and over again, but expecting different results”. There are options to generate another active source of income (A2): You can start an additional job, such as waitering after hours, walking dogs, babysitting, do private tutoring or giving extra math classes. These are the traditional ways of generating A2. A proven way to generate more A2‘s is to go online and earn money without investment. In my previous article, I provided 9 possible ways of making extra money online. Read it here <=== iam-go online earn moneyTo summarise ways of making extra money online:
  • Affiliate marketing
  • Your own online services or products
  • Online education
  • YouTube
  • Websites
  • Outsourcing your skill
  • Transcribing
  • Marketing agency
  • Domains
You can specialize in one of these aspects or you can combine it into A2. Once you have mastered this, it may have the potential to surpass your A1 and even generate sufficient funds to increase your passive income (P). A2 can even generate more money than A1 which will enable you to leave that hateful, unfulfilling job. This will result in getting closer to your ideal lifestyle L. A2 can be done in your spare time, after hours. A2 requires minimum funds but commitment. Wealthy Affiliate is the ideal platform that can be used to start the A2 because there is no risk of losing money. A free Wealthy Affiliate lifetime member provides you access to 2 free websites, an affiliate program, beginner training course, video walkthroughs, Live help and 1 on 1 coaching for the first 7 days. Read all about my review of Wealthy Affiliate right here <=== Once you become competent with A2 your third active income A3 will be a natural progression as more online opportunities will be presented to you. During this stage, you have the confidence and you are more receptive to opportunities about what would work for you and what would not. Ideally, you should not pursue all 3 active incomes at the same time because of split energies. As an example, you can pursue A2 part time, after hours, during weekends. Once that is running smoothly it will require less time. You can even appoint someone else to perform functions for you. Then you start your A3. For example, your A2 can be E-commerce: selling amazon products on the internet, your A3 can be a social media agency.


Task 1: Spend some time and write down your lifestyle goals. Carefully think it through and be clear. Task 2: Decide what type of online business resonate with you, your personality, passions and fits into your Lifestyle Goals. Task 3: Sign up for the free membership of Wealthy Affiliate and start to go online making money without investment.    

About Louis Munro

Louis is the founder of Infinite Affiliate Marketing. Louis is a qualified Chartered Accountant (SA) and an entrepreneur for the past 16 years. Louis is passionate about helping people to become successful online entrepreneurs. 

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