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Es gibt tausende Einkommensquellen. Doch welche sind tatsächlich empfehlenswert und seriös? Und welche eigenen sich bestenfalls für die Tonne?
Hier einige Links zu Methoden, welche ich empfehlen kann und in der Vergangenheit schon den ein oder anderen finanzielle Unabhängigkeit beschert haben:
Wenn du gerne mehr und noch profitablere Lösungen suchst dann gib einfach deine Emailadresse an und ich sende dir völlig kostenfrei und unverbindlich gerne weitere Links und Infos bezüglich des Themas Einkommensquellen.
Außerdem findest du hier meinen Geheimtipp, welcher immer funktioniert, um schnell mal ein paar Kröten dazu zu verdienen:
An sonsten hätte ich hier noch für die englisch sprachigen einen Text über 7 passive Einkommensarten, welcher mir mal per Mail zugangen ist und recht interessant ist:
7 Passive Income Sources - Best Practices of Millionaires
How smart millionaires get and stay rich through passive income sources
Why is your salary not sufficient as a source of income? You may be wondering why multiple sources of income, and especially passive sources of income, should be so important and can even help to amass great wealth. To explain this to you, I would like to introduce you to Max.
Max has just finished his apprenticeship and earns €2500, for which he actively works and exchanges his time for money. He quickly builds up a nest egg of three months' salary so that he doesn't have to take out an expensive consumer loan when he gets into a tight financial situation. Max feels safe and works until he is 30.
You can also watch this post about “Passive Income Sources” as a video here:
Talerbox tip: Get a €20 Bitcoin start bonus with the Bison app
But suddenly Max loses his job. His nest egg is only enough for the next three months and he simply cannot find any new work afterwards because the market in his industry is losing demand. He is now dependent on the help of the state and will probably no longer achieve his dream of financial freedom.
Doesn't that sound realistic to you? This is exactly what happened to a lot of people in the 2008 financial crisis, when they couldn't pay their mortgages or loans after losing their jobs. The need for multiple sources of passive income was as evident then as it is today. And hopefully it doesn't have to come to this for people to understand that.
Passive sources of income for millionaires
Never rely on just one source of income
What does this short story teach us? Never rely on just one source of income, no matter how secure you think your job is. Future millionaires follow this method of success very early on. Ideally, they build up to seven sources of income even at a young age. In addition, they ensure that these sources of income become more and more automated and thus convert into passive sources of income.
Step by step, they ensure that they no longer trade time for money. Rather, they develop passive sources of income that exist independently of one another and that only initially require a great deal of time. But later only minimal work is necessary and from which they generate a stable, growing and passive income.
In this article I will bring you closer to seven sources of income for millionaires, give you concrete ideas on how these can be built up and show you how they can even be used for tax advantages.
Future Millionaire Max
7 sources of income 1 source of income
Passive income Active income (time for money = maximum 24 hours per day)
Low tax burden High tax burden
Hamster Wheel vs. Financial Freedom
Using Max as an example, you saw that even with a supposedly secure job, you can quickly find yourself in a financially critical situation. Max only had one source of income, which he was able to generate a solid income from, but which brought him to his knees when it dried up. In English there is therefore the definition: "JOB = Just Over Broke", which means that you live from hand to mouth and earn just enough to keep your head above water. You're stuck on the hamster wheel and you just can't get ahead financially.
Just Over Broke
Now imagine a young person who, through financial education early on, ensured that they were earning passive income from multiple sources of passive income. She may not earn as well as others in her main job. However, her existence is more and more secure from year to year through passive sources of income and soon losing her job will no longer affect her.
A NOTICE
Once the person has achieved financial freedom status, they are completely free in their choices and could even, for example, give up their main occupation. Therefore, we can establish the principle that we should build multiple sources of income in order to diversify our sources of income and create a financially secure future for ourselves.
But what does it actually mean to have a financially secure future? Imagine what you could do when you no longer depend on your 9-5 job for your additional source of income? what would you do with your time
You can use it to create the life you've always dreamed of. Having a vision of your life is immensely important if you're even going to make the decision to build passive income streams in the first place. Because where there's a will, there's a way.
I can show you the way in this article about different sources of income. But you have to define the goal for yourself.
The different sources of income
1. Salary through work
Yes, active income, but the foundation to build passive income streams. Probably the most well-known and widely used source of money is the salary from work. Our system prepares us for this while we are still at school, and even aspiring millionaires, who may not have had a great inheritance, start in this category. From the simple construction worker to the busy bank manager to the traveling freelancer, all these forms of work result from the exchange of time for money and restrict the freedom of the respective employee.
TIP
This active income requires what is probably the fairest and at the same time most precious commodity of every human being: time. Each person has exactly 24 hours a day and is therefore limited in their maximum income from active work. In addition, up to 42% tax is deducted from this salary.
Although there will be taxes on all income, different sources of income allow us to benefit from different tax rates. In the end, there is always more left for you.
We can state that only very few people are able to become financially free with this source of income. Free in the sense that if one day you are no longer actively working, you will still earn money. That doesn't mean per se that you should just quit your job now. But on the contrary. The first step to becoming financially independent is to save as much as possible. You need to have your spending under control if you can't passively increase your income at first. This is how you earn capital that you can use for investing. This has the decisive advantage that you may not have to take out a loan with interest for your first business ideas in order to generate passive income. Take a close look at where you can save money. Maybe you don't need the new car after all.
TIP
The expensive vacation with your girlfriend might have to wait for now. If you want to achieve financial freedom through multiple incomes, you need to prioritize. This is called "delaying gratification", in German postponing a reward later, not always getting everything immediately. Without this millionaire mindset, you won't get anywhere and the hamster wheel keeps turning. So now you've decided to make passive income a priority.
But what better sources of income are there?
2. Income through profits
This is where the revenue stream of profits comes into play. Many millionaires derive income from profits. In this second category, one goes from employee to entrepreneur and sells a product or service to make a profit.
With globalization and the internet, building your own profitable business has never been easier. It doesn't matter whether it's a physical or virtual product, with the right methods you can make money here both online and offline. For example, self-made products can be sold or you can set up a business and make a profit with the services that your employees carry out.
Active and passive income through profits
The activities of an entrepreneur can be divided into active and passive. For example, an entrepreneur generates an active profit by buying and selling goods, which always requires his labor. This makes it easier to get started in this area.
INFO
An entrepreneur who is active in the passive area couples his product to his active work activity and automates the entire process from product generation to sales and marketing. The product can of course vary freely and be physical as well as digital.
That doesn't mean you'll just get extra income overnight. Here, too, a lot of work and time must be put into it at the beginning. After that, the profit can increase many times over.
Develop your own income generation business
For example, it can be a t-shirt business, such as that operated very successfully by YouTuber Aron from the Homo Oeconomicus channel. Or you create a digital product such as a video course or an e-book and distribute it fully automatically on the Internet. Your own workforce is becoming less and less important, since such a product can be infinitely scaled and sold better and better depending on the market and niche.
INFO
If you do not operate this business model as a self-employed person, but found a GmbH, for example, you also benefit from considerable tax advantages, since the total tax burden here is a maximum of 31% on the profit made. In addition, this business model can be scaled very well and, with these two advantages, is one of the most frequently used sources of income for millionaires.
Are you already wondering how you should do this in addition to your full-time job? It won't be easy either, but the question is again how much do you want it? Are you willing to invest 1-2 hours every day after work or on weekends in your dream of financial independence? Everyone has this time and it must be worth it if you seriously want to build up an additional source of income.
3. Royalties Revenue
Very special and not widespread, but this source of income has great potential for a stable passive income. It doesn't matter whether it's photos, films, books or music, as long as these one-off creations are in constant demand, you'll earn money with them through license fees. What such a book can look like and which I can recommend you to read at the same time is retirement at 40.
Here you exchange your intellectual property for money. Amazon Kindle, Spotify, or stock photo sites offer you almost endless marketplaces for your products and ensure that there is a steady stream of demand. All you have to do is invest time in the beginning and from then on you have passive sources of income.
Sources of income from royalties
This category also includes patents, business ideas and, for example, franchise models such as McDonalds. Another interesting business area in the area of income from license fees is currently cooperation with influencers.
In the best case, you look for a creator who has already written a successful book and have the audio book based on it produced for him. This is then distributed on Audible and advertised by the influencer. With this audio book you secure lifelong sales profits and have another passive income from then on without much effort.
4. Rental income
When most of you think of this topic, you may only think of rental income from real estate rentals. But the fourth category of millionaires' income involves much more and does not have to start with the high capital expenditure of a real estate purchase.
You can start much smaller and, for example, start renting your camera, car or other objects. If you have saved capital and find an object that many others do not have the discipline to afford and still want to use, you have an additional source of income again. Now you also see how important it is to save money and not live from hand to mouth.
And even renting out real estate is now child's play with providers like Airbnb. For example, the entrepreneur Bastian von Officeaway has built up a fully automated, worldwide real estate rental business. And that without having bought real estate yourself. You can find out how this works in detail at Officeaway.
TIP
And in this area, too, many tax advantages can be used and make the rental of residential or commercial space, as well as the rental of products extremely attractive.
As you can see, there are no limits to your imagination. You can build a successful rental income with a little creativity in your niche. It is not for nothing that almost every millionaire owns real estate or operates other rental business models. Real estate is also a relatively crisis-proof source of income. People will always have to live somewhere. So if you are also thinking about where you can invest your money in the future to protect its value, learn more about buying and renting real estate.
5. Money through interest
In this income range, you hardly have to sacrifice your precious time at all. In the fifth category, you make your money work for you. And no, of course, the minimum interest rates from the bank are not meant here, some of which are already going into the red.
Rather, I am talking about interest earned by lending money. Regardless of whether it is for private individuals, companies or governments, better interest rates can be generated everywhere than at the bank. The P2P lending sector is currently an emerging market and is developing into an asset class of its own. Here money is lent by mostly private but also institutional investors to private as well as commercial borrowers. You can find out about my previous experiences with the various platforms, my returns and much more in this video:
The best P2P platforms
I too have been an investor in this market for a long time and can recommend you some platforms with which I have had consistently positive experiences. On the one hand, that would be the provider Bondora*. There is an interesting model here, especially for beginners, which always leaves the invested capital liquid and does not tie it to a fixed term.
There is also the very successful Mintos platform, which has now been in existence for over 4 years and is one of the largest marketplaces for loans in the world. Impressive growth and revenue figures consistently put Mintos* in a good light. In addition, the company is constantly expanding and has e.g. B. also in Berlin new offices. At Mintos I earn more than 10% return per year.
Of course, the whole thing also works with real estate loans that can be granted. And that from minimal amounts per loan. Platforms like Estateguru* offer the market for this.
stack of coins
You can develop your very own strategy here, I personally invest in a mix of all three. One of the advantages of this asset class is that you can start building passive income from interest income from just a few hundred euros. In addition, the tax burden is very low at around 26% capital gains tax, plus a tax allowance of €801 per year. Incidentally, double the tax allowance of €1602 applies to married couples.
6. Capital gains
This is where most millionaires and billionaires make the biggest profits. The sixth category revolves around increasing the price or value of assets such as E.g. stocks, real estate or entire companies. The primary focus here is on the stock market. You buy 10 shares for €100 each. A total of €1000 has thus been invested and speculation is now being made on the increase in the value of the share. After a time X, the value of the share is no longer €100, but €200 and you have doubled your stake.
Of course, this also works with properties that you buy cheaply and that are worth more than double a few years later. The list of valuables can be continued indefinitely and people are always coming up with new ideas. It doesn't matter whether it's vintage cars, watches or even virtual objects from the most popular computer games.
The reduced tax rate for capital gains tax of around 26% also applies here. I prefer to invest in so-called ETFs with a specific strategy*. But it also works with stocks, real estate and other asset classes. As always, many roads lead to Rome.
If you would like to start investing in the stock market right away and generate passive income from stock investments, I can recommend the free securities account at Consorsbank. I also have my deposit there and you can save on a share or ETF savings plan from as little as €25. Now also with a starting bonus of €20.
7. Income from Dividends
Dividends are the sources of income that pay you money when you invest in a particular stock or stock index and whose companies pay out their profits to investors.
As an example, you can see here how these two investments in the dividend DAX 30 with €71.91 and in the MSCI World with €16.33 generate a continuous, passive income.
income from dividends
This source of income is also subject to capital gains tax and therefore has a tax burden of around 26%. The dividends are usually paid out annually, but sometimes at shorter intervals and even monthly, as with a classic income. A video that shows you step by step how you can build up sources of income through dividends from just €1000 can be found here: How to build passive income with €1000*
Here I can also recommend the free securities account at the Consorsbank. I also have my free custody account* there and you can save on a share or ETF savings plan from as little as €25, which pays you ongoing dividends.
Bonus: Passive income with cryptos
There is now another exciting source of passive income and that is with cryptocurrencies. No matter how the market moves, you can build passive income with Bitcoin and Co. How exactly this works and where you get the most interest, we will show you in our large crypto interest rate comparison.
patience and discipline
In conclusion, we can state that multiple sources of income are not only important for financial security, but are also an essential aspect for financial freedom and ultimately for becoming rich. It is much more difficult for Max to get out of his current situation. But I am sure that you can manage to build up solid sources of income and create your financial security for the future.
However, you should keep in mind that this does not happen overnight. Even a Warren Buffet started small and, above all, built up his wealth and sources of income step by step.
TIP
An important tip I can give you is that you should not try to build up all sources of income at the same time. Take the categories step by step and don't rush into anything. You should also note that every investment involves risk. The higher the return, the higher the risk – up to and including total loss.
All serious investors will always advise you to invest in things you understand. If you don't know a market at all, let's say programming or commodities, then you'd better stay away from it. There are enough other areas in which you are certainly familiar and have a certain expertise.
Set your focus on the source of income that you are convinced of and give yourself enough time to approach it. As soon as there is a continuous flow of money, you will get a feeling for it yourself and draw your motivation for new projects from it.
You can store your picture of a permanent job and job description. As a future millionaire, you are versatile and define yourself by the fact that your job consists of recognizing opportunities and converting them into multiple sources of income. You have your future in your own hands!
I hope this article on Passive Income Sources has been helpful to you. Please leave me a comment.
9. Werden Sie Reiseberater
Homepage der Reco Trip Designers-Website
Methodenstatistik:
Einrichtungszeit: bis zu ein paar Stunden, um Ihre eigene Website einzurichten oder ein Profil auf Reiseberaterplattformen zu erstellen, wenn Sie bereits Reiseerfahrung haben
Altersgrenze: 18+
Zahlungszeitpunkt: variiert von Fall zu Fall
Da die Tourismusbranche boomt, besteht eine höhere Nachfrage nach Reiseberatern.
Reiseberater kuratieren das ideale Reiseerlebnis für Privatpersonen und Unternehmen. Dieser Job ist fantastisch für weit gereiste Einzelpersonen oder Einheimische, die es lieben, die besten Orte in der Stadt zu teilen, um online Geld zu verdienen.
Das durchschnittliche Grundgehalt für einen Reiseberater liegt in den Vereinigten Staaten bei etwa 70.000 $/Jahr. Zu den Vorteilen des Jobs gehören Telearbeit, flexible Arbeitszeiten und Reisemöglichkeiten.
Beginnen Sie Ihre Karriere, indem Sie sich mit beliebten Reisemanagement-Softwaretools vertraut machen. Erwägen Sie außerdem, Tourismus-, Gastgewerbe- oder Fremdsprachenkurse zu belegen, um Ihre Kompetenz zu verbessern.
Bewerben Sie Ihre Dienstleistungen auf Ihrer eigenen Website. Lassen Sie sich von Beratern wie Wanderlust Travel Consultants und TravelBoecker Adventures inspirieren. Melden Sie sich alternativ als Reiseberater oder Reisedesigner auf Plattformen wie Reco an.
10. Werbeflächen verkaufen
Die AdSense-Seite auf der Google-Website
Methodenstatistik:
Einrichtungszeit: einige Minuten, wenn Sie bereits eine funktionierende Website haben
Altersgrenze: 18+
Zahlungszeitpunkt: jeden Monat, jede Woche, 30 Tage nach dem Einreichen einer Anfrage oder dem Erreichen der Mindestauszahlungsgrenze – variiert je nach Website
Der Verkauf digitaler Werbeflächen ist eine der häufigsten Möglichkeiten, eine Website zu monetarisieren und passives Einkommen zu erzielen. Da Werbeeinnahmen anhand von Klicks oder Nutzerimpressionen gemessen werden, verdienen Sie umso mehr Geld, je mehr Interaktionen Sie erhalten.
Werbetreibende berücksichtigen die Inhaltskategorie einer Website, die Zielgruppendemografie und die Benutzergeräte, bevor sie eine Fläche kaufen. Daher sind die Erstellung qualitativ hochwertiger Inhalte und die Verbesserung von SEO-Strategien von entscheidender Bedeutung.
Melden Sie sich zum Verkauf von Werbeflächen bei einem Werbenetzwerk wie Google AdSense an und betten Sie den Anzeigencode auf Ihrer Website ein. Wenn Sie eine WordPress-Website betreiben, folgen Sie unserem Tutorial zum Hinzufügen von AdSense zu WordPress.
Überladen Sie die Website jedoch nicht mit Anzeigen und beeinträchtigen Sie die Benutzererfahrung nicht. Verwenden Sie stattdessen ein Heatmap-Softwaretool, um die besten Anzeigenplatzierungen für optimale Conversions zu ermitteln.
Hier sind weitere Werbenetzwerke, für die Sie sich anmelden können:
Adcash. Verwenden Sie eine Antiblockierfunktion, um die Werbeblocker der Benutzer zu umgehen und höhere Einnahmen zu erzielen.
PropellerAds. Unterstützt mehrere Anzeigenformate, einschließlich Interstitials und Push-Benachrichtigungen.
Media.net. Erhalten Sie Zugriff auf die Suchnachfrage von Yahoo! Bing-Netzwerk für Keyword-bezogene Anzeigen.
Kohlenstoff. Eine großartige Option für technologie- und designbasierte Anzeigen.
und weiter auf der nächsten Seite forum affiliate marketing.
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