If you are old enough to take on student debt to go to college, you’re old enough to get a credit card. And if you’re old enough to get a credit card, you’re old enough to learn about financial literacy. (Really, financial literacy is something that needs to be taught in school from a young age.) Here are 10 reasons why I advise young adults to consider getting a credit card.read more

It’s pretty surprising, a lot of singers, producers, songwriters, rappers, music artists in general on YouTube are missing out on making passive income with their music. I certainly missed out for over 3 years of passive income with some old song covers, simply because I didn’t know what the heck I was doing. To start off, I am considered an independent artist. I am unsigned. I’ve never been part of a record label. I don’tread more

Soooo… I’ve been running Google AdSense on my blog for years. I don’t know when I actually started using it, but if I had to guess, definitely 5-6 years ago for sure. I’ve also been part of the YouTube Partner Program for some time, maybe a year or so. And despite being a part of both programs for so long, I haven’t yet even cashed out a single penny. Both programs require you to hitread more

After years of avoiding investing due to beginner mistakes in my early twenties, I decided to give investing a shot again. When I first started investing, it was after completing my internship in uni. I took $2500 and put it toward a Roth IRA, trying to take advantage of the savings since I didn’t owe any federal taxes from my limited income that year. I thought this was smart because I was essentially depositing after-taxread more

Today, I remember waking up, looking at the clock, and seeing that it was a little past 4:00 AM. I tried going back to sleep, closing my eyes, trying to get comfortable, but with no luck. I was like this for 2 1/2 hours. Then a little past 6:30 AM, I finally decided to just call it quits and get up. Usually even if I can’t sleep, I just stay in bed and try toread more

Something I’ve failed at multiple times is making a significant amount of passive income per month (at least $1000/month). It’s important to me still because I want to have enough to cover basic expenses without having to worry about trading in my time for money. I want to choose what I do each day rather than be forced to do something just to pay the bills. I know $1000/month isn’t a lot, but it’s aread more

One thing I didn’t do because I was afraid of spending the money was hiring other music producers to help me produce a song with my vocals. I was worried it wouldn’t sound great, or that I wouldn’t make the money back. I realize that these are kind of silly reasons. If I don’t like one producer’s work, I can always try another producer, or look at their reviews first. And also, it doesn’t haveread more

What’s important to me is to create passive income for myself over the next year or two. The types of people who I associate with making significant passive income are driven, ambitious, and highly motivated. Also, they enjoy what they do (e.g. blogging, publishing eBooks, making courses, etc.). I feel like the difference between me and these people is that I’m not that ambitious or driven. I think I’m lazier than these people. Either that,read more

Money doesn’t motivate me much. It’s nice to have, and it’s nice to see when I make money from something that I’ve created. But, I don’t find it to be a strong source of motivation. I think it’s because I’ve always had my needs fulfilled for my entire life. Of course, there were a few times when I worked for money, but it was more than that. I was exploring different career opportunities, trying toread more

I probably still have old links to Amazon products in old blog posts or old YouTube videos. I’ll have to take them down eventually because those links will no longer generate me any commissions. The reason I stopped (or well, they cancelled) my Amazon Associates account is because they have a time limit for when you must refer your first sale. If you don’t generate a sale within the first 6 months, your account getsread more