Hey everyone 👋 I’m still working my 9–5, and honestly, when I first started that job, life was tough. There was a time I couldn’t even raise $100 for my daughter’s birthday, that memory stayed with me. A few months ago, I came across an ad about earning online through something called advanced reselling. I didn’t trust it at first, but I started slowly and learned bit by bit. Fast-forward to last week… my daughter’s birthday came again, and my online journey just hit 3 months. I ended up making a little over $11k total profit during that time. It felt good being able to do more for her this year 💛 I’m sharing this because I know many people here are trying to build something better for their families too. If you’re still at the beginning, trust me, I’ve been in that exact place. Curious though… what made you start looking for online income in the first place? I’d love to hear your stories 👇 (And if anyone wants to talk privately about how I balanced 9–5 with this, feel free to DM, I’m happy to share my experience.) Wishing everyone, wins this month.

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The best way to build passive income from scratch depends on several factors. Our credit score, skills, savings (if any), as well as prior experience all play a role. Why is the credit score important? It is only important in the US or in a country with a similar financial system. Without an average or better credit score it becomes a lot harder to get a real estate or business loan. Don't have a good credit score? No problem, there are still many ways to build passive income (I'll share one below). Passive income is not a get rich quick scheme. We need a solid strategy as well as good execution paired with patience to see results. When I bought my first real estate property, I did not have a good enough credit history nor a stable enough income to get a decent loan from a bank. My parents agreed to co-sign with me, since I had a proven track record with them on being true to my word. This might seem like a handout to some, but they did not help at all with paying my loan or other expenses. I was old enough to manage these responsibilities on my own. I do not recommend co-signing, even if family members are involved. This option should be reserved for very special and low risk circumstances. But I want to share it here as example. Sometimes we have to find an unusual path to acquire the first asset that can generate passive income for us. I did not buy my first property for the purpose of creating income. It was just a practical option I had seen work well for my parents. If I was trying to earn passive income from real estate today, I would look for an affordable property (maybe a condo) which is just good enough for me to live there. I would find a way to buy it for a good deal and rent all rooms except for mine out to roommates. There are two strategic reasons for doing it this way: 1. Banks are more likely to give you a good loan on a property you plan to occupy yourself. 2. Roommates help with freeing up cash flow, so I don't need to use all of my active income for paying bills.