My 5 Streams of Income (At 30 Years Old)
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- Опубликовано: 30 сен 2024
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1. day job
2. flipping items
3. RUclips
4. stock investments
5. high yield savings interest
I love how your approach works for even the smallest income levels and your personal is so inspiring! I’m working on FIRE and love how positive your videos are.
Hustler is as old as the hills. It has both negative and positive connotations. It’s not a “internet “ new term.
I’d love to know how much your housing cost are in comparison to ours here in the lower 48🇺🇸. (USA).
If I don't count child support, I have 2 streams of income, my day to day full time job and rental income from owning a 2 family house. I live in one side and rent out the other. I am looking into income generation for this summer because my job is 10 months a year but not in the summer.
Your community’s comments are impressive: quantity & quality.
Congratulations on your continued success!
I am self employed and yes I do worry but I also have a small part time job for security and tax reasons I also am trying to do more house calls for housebound people by trade I’m a hairdresser , mostly Custom coloring
As someone who spends like a drunken sailor and has no pot to piss in, I’m bingeing on your videos because they’re timely. Would love for you to do a video on the steps of starting a business - from your perspective, how you did it, and what you did.
I have several streams of income and have most of my working life (I started working at age 13; I think now you have to be 15 in order to get a worker's permit but when I was younger, the minimum age was 13).
1. My 9-to-5 job (I really enjoy the work I do and my co-workers are wonderful.) Full-time
2. Reselling business (Poshmark & Ebay)
3. Cleaning a leasing office 3x a week
4. My own business on Etsy selling crocheted and knitted creations
5. Part time job working as an administrative assistant for an interpreting company part time (~15-20 hours a week)
I have to say I've watched RUclips videos for a long time. First for game stuff, then for entertainment, but now I watch to better my life. As a late bloomer in my mid to late 40s, your no nonsense advice has given me a fresh perspective, so thank you for that. I appreciate the no bullshit approach. Thank you.
12:28 "Passive income is a thing but it's not accessible until you actually make active income first" you are so succinct, this was so accurate!
I live in Toronto too and I also have multiple ways of getting some of my money: job, selling old items (also flipping), bank interest and investment, take advantage of cashback from credit cards (I make sure i maximize my cashback and I use different cards depending on what I buy), invest in housing (I am a landlord) and I let someone pay for my mortgage. I came from a poor family so I started finding ways to help myself when i moved provinces at 21 years old. I think living a frugal life does really help a lot!
I am twice your age and have owned my own business for 20+ years, and I STILL worry about the future. Yeah, that never goes away. In handsight, while I've had slow months and even an entire year (thanks a lot, Covid), the worries have been mostly unfounded.
You are such a refreshing presence and model: you share actual info and don’t have a pound of make up on your face, among other things I like about you…
I have been flipping all my life. I enjoy it. I'm 68 and started at 16. My mistake was marrying a person that did not care about me. 47 years faithful and loyal did not mean a thing to her. I NEVER GOT MAD JUST WORKED UNTIL FINALLY I HAD ENOUGH.
I got kicked to the curb after 47 years. Weird ain’t it?
Happened to me after 27 years. Don’t regret it but a different decision would have been soo much better
About the instrument flipping, that’s what the Circle Jerks did when they toured in the 80s/90s. They’d see instruments in pawn shops costing a lot less in some parts of the country than others. So they’d buy them in the cheap areas and resell them in the higher areas
At the 2 minute mark: Busybody should be replaced with workaholic. (A busybody is a nosy gossip.)
I do wedding photography
I teach Salsa dance classes
I get revenue as a blogger
I get money from stock market investments
And this one is weird, I am a professional wedding witness (People hire me to witness their weddings).
I'm currently a full-time, stay-at-home mum, to a 7yr old with autism. I don't have a consistent stream of income, but I'm always interested in trying out new ideas. So far, the list has included: POD - Redbubble, Zazzle, Spreadshirt etc - all shite imo!
Trading gold online - kind of fun and would do again, funds permitting
Etsy - selling handmade items related to my hobbies (quilting, doll collecting), but quick burnout
Amazon MTurk - horrible pay if you can even call it pay
Amazon KDP - maybe some get lucky with it, I didn't
Ebay + Vinted - so far are the winners for me. Since September 2023, I've made over £400 on Vinted, and just under £500 on ebay in the last 3 months. That was largely due to my selling my own stuff, and the dolls I used to collect were not cheap. Even broken tech sells easily there.
Currently binge-watching your episodes (from London), and appreciate the no bs, straight delivery! ✊❤
The movie clips are annoying, I'm out
I've been self-employed for 31 yrs.....yes, I worry all the time. Over the years my main customers have been slowly bought out by big companies and they don't need my services. At my age (59) it is very scary to totally change my entire business.
I love how candid you are and don't change
people who have been self-employed (and survived) easily find a new job at a company
Thanks for sharing Nicole! I am 'just' an employee, but you have to realize, conditions in Europe (Belgium) are way different than those in the USA (where I think you live). I got fired this year, yes, but the company had to keep me paying for half a year (depending on how long you were working there - for me: over 8 years). I found a new job in 2 months, so I was litterally payed double salary for 4 months 💰. (Of course next year, tax authorities will demand their share of it 😅) I also have an insurance from my employer, if I would get disabled and become 100% unable to do any job, I will get paid my current (decent) salary for the rest of my 'working' career (i.e. before retirement). That's rather assuring. There are even other advantages on top of that.
Other streams of income for me: stock/shares (currently losing money with it due to the economical conditions, but that means this is the elected time to buy even more stock) and also interest of bank accounts (which is only like a dozen euros or so per year under current conditions in Europe). No RUclips (yet?), no flipping. Second after my job as an employee, I spend most of my time volunteering. That doesn't help me on financial level, but rather on social level, if you know what I mean (e.g. the people I know from volunteering, might help me if I get into some kind of trouble due to sickness or whatever).
I wish you good luck on creating extra streams of income over the next years 🙂.
Kudos to you, Nicole, for recognizing when one approach to something is not working. And then more kudos for actually taking action to find a different way to do it. The French author, Antoine decSaint-Exupéry, is reputed to have said, “a goal without a plan is just a wish.” I would add that a plan without action is just a fantasy.
Amazing video. I wish i could be as comfortable as you to go online with videos but I must be introvert 2.0 :( I will live vicariously through your videos :) Keep rockin. I do have another plan however with market free risk which seems like my path for now :)
I have a day job, some crypto, a brokerage account, I sell stuff on Facebook marketplace and earn gift cards and rewards. Of these, there are potentially 3 sources, I just need to carve out more time to study all my notes for the trading and investment and generate at least $1000 a month for starters before I can say that. I also have plans to get moving with software/web development, and get my music and photography copyrighted and then I can start really counting my streams of income. So, technically only one because I've never produced $1000 a month or more on anything else. And I do need a career change.
I’ve several income streams too, not by design mostly desperation. But they all have something in common, I’m using my personality in front of a group. Sometimes are really busy but mostly I’m not and I have plenty of free time.
You make your own luck Nicole. You need not worry. You are too conscientious, motivated and smart to end up with nothing. It is natural for you to think out of the box, I can see that. You are strong, pragmatic, sensible, lev-headed and brave - and look where it has gotten you. Flipping fabulous! Keep going as you do and never give up as you appear not to do either.
🎉
I would love to understand how RUclips monetizing works. Thank you for your videos.
Stay tuned!
You need 1000 subscribers and 4000 hours of watch time or yt shorts 0 views then you can apply to the partners program
You could “write” & even self publish a book by doing little to nothing more than getting the auto-generated transcripts of your RUclips videos typed up & giving them a decent editing, and never invest any more work in it ever again yet continue to collect sales revenue therefrom for probably the rest of your life.
People would totally buy such a book from you.
I agree with what you are saying. I always make sure I have money coming in from 4 different sources. That’s what I’m comfortable with. Thanks for sharing this with us.
Never thought I'd be thought of as part of your income. Does that mean I'm an employer? If that's the case keep up the good work.☺
I love smart people. They are such a turn on in life!
I like that your ideas & advice are more realistic & accessible than other financial channels I've watched. I've seen so many videos where they'll be like 'buy real estate, then rent it out & use that to pay the mortgage, & then use the extra & invest in xyz stocks that pay x in dividends, then use that to start a business...',etc. And it's not that it's bad advice, just not the most realistic plan for a lot of people.
Oh for sure. In Toronto that’s impossible unless you’re already a millionaire.
Nice to see a financially savy Canadian woman on a RUclips channel!!
Lol yeah like the 0.00001% of all Canadian women.
I am self employed and I almost always have enough clients to get by financially but sometimes it does get scary when you get less than usual so I am right there with you.
Another great video Nicole. You are one of my favorite youtubers....I am so glad I found your channel because you seem authentic and I love how you tell it like it is. I joined when you had 4k subs....It's fun to watch your channel grow so quickly :) Dog lover here too and my Benji (in profile pic) says say hi (bark) to your Levi 🐕🐶
this g'ma looks forward to your vids every Sunday at 1030, after CBS Sunday morning. the two programs are both informative, entertaining, and well done, they even sequay well! at least for me! thank you for your dedication to offering others a path to tap their own patience for the future with solid advice while obviously walking the walk you talk.
i am definitely "your people".. tho i am much older, my life and living philosophy has mirrored yours- (i even lived in your city for a few years back in the 90's).. if i may, some advice, if you want to guarantee future income, concentrate on number 4- but yes, first you need to earn actively before earning passively, and the one way to guarantee that is to stay where you are..a place like Toronto will never run dry of ways to make active income, if it did, that would mean everything's gone to shit and it wouldnt matter anyhow.. when you are able to live anywhere you wish, without money worries, that is when you've made it- according to our philosophy..
love your vids..
thanks Nicole
I have 1 job n it pays all my bills n I get to be at home more to just work out n relax n live comfortably without killing myself at a job all the time
I dig your channel, thank you.
Video idea about what financial books helped you achieve better financial well being for yourself. Please take about RUclips channel money.
Your money or your life and the automatic millionaire!
Nicole, you are so smart and so well-spoken and inspiring! I am totally binge watching your videos 😎. Also, I am hitting that like button and diligently watching the ads, to support as I can. Great job and this channel just became one of my favorites!
After paying attention to your videos and seeing why you do the things you do, you can be summed up in three words...High-Value Woman.
Very interested in RUclips monetization please I'm so happy to see your growing steadily. You deserve growth. You add value to RUclips and especially to your subscribers.
I have a regular job and yes, it's not a secure feeling at all!!! I'm constantly looking for what other options I may be able to look into.....yeah. I love your videos Nicole.
These kind of videos were the reason why I started to follow your channel. I don't have a side income at the moment but I'm trying to create one.
I find bartering is helpful and not in the usual sense. (although I do that too). I can barter something I love to do, like redecorate homes and the homeowner will give me a gift card or some items (chairs, etc) that I can flip. I have been self employed for 40 years. When there are lean years, it's amazing how much one can cut back on spending.
Buy Canadian bank stocks. Self manage. DONT use a broker or buy into mutual or even ETFs. Take all dividends and roll over to buy more stocks. It’s not fancy but extremely effective long term fairly safe strategy.
I own a vegan housekeeping business and I have to hustle everyday to get clients. When we have a slow week I stress out so badly even though I know some weeks are crazy and some are slow.
That's so interesting! I'd love to know more about it. Keep going and I'm sure you'll see more growth ☺️
@@nicoleavery7238 Everything we use is non toxic, eco friendly and not tested on animals! I absolutely love what I do and especially that I get to incorporate my lifestyle into my cleaning services. We also choose a local rescue every month and for every new client we get we donate $20 towards the rescue. It makes me really proud to hit that donate button at the end of the month to help the doggies.
@@andreabellini6796 wow really nice 🐕🐈💛
I only have one stream of income and one big client, the level of work I do for them doesn’t leave much time for anything else, but it worries me a-lot. I am interested in readying everyone comments to learn other ideas :-).
I do not actually consider my money in the bank earning interest, a source of income because, the inflation is usually higher than what I can get from the bank. I do not deny that, compound interest is a great thing but, in my country the economy is unpredictable and the inflation is extremely high.
I have been a "hustler" for the most part of my working life just out of necessity. As a musician, I could say that regular, high paying jobs are nearly non existent...so multiple sources of income are always a good thing! :)
I totally agree! Even though I've been self employed for the past 8 years, there is always this fear in my mind: "what if people stop requesting my services?" It's wonderful to have the freedom that self employment gives me but it's certainly stressful at times, when the income is not as consistent. 😓
Next video: all about your car, expenses and how you took care of it. Hopefully 🙏…
LOVED THIS VIDEO!!! I'm so glad I've found your channel (and a kindred spirit haha)! LIke you, I'm also self-employed and am working hard to build up multiple streams of income. I totally get what you said about the constant anxiety that you get when you're self-employed - it's definitely the same for me. In fact, it got so bad that I recently started a part-time (thankfully WFH remote) job that supplements my freelance income and gives me some stability. I also self-published a book on KDP back in 2021, which is now generating a small income every month, for which I'm super grateful. I started my own YT channel last year as a "marketing tool" for my KDP business, I suppose, but I've discovered a real passion for it and I love how it enables me to interact with people I would never otherwise have met in my life. Maybe my channel will, one day, lead to another source of income, but for now I'm just super grateful that people are watching my content and getting value from it. I really love your content so much - keep it up!! xxx
The majority (85%) of let's say 5 income streams comes from 8-17 daily job.
2nd is a very small rent that I collect once a year.
3rd is investment in T-bills, i still have with high interest but is dropping fast.
4th is stock picking, buy cheaper and then sell with a little bit of profit.
5th stock dividends
My portfolio is being comprised by stocks that give dividends at least 5% yield.
Loved the Mr Burns as a boss thing. I suffered 24 yrs in a shitty job that paid the bills till I saved enough to quit in 2001. Boss would tell me there's 400 people waiting outside the gate to take your job if you don't like it.
Major brokerage firms like Charles Schwab have MM funds that pay 4.48% in and out in a day if you want to buy stks or need the dough. 3mo t-bills at 4.85% and 6 mo now paying 5.02%.
I'm from Toronto and really enjoy the channel. Keep up the good work!
I've made about 6K extra reselling stuff. It's FUN and I have a very large inventory or items that I sell a portion of every day for the last 5 months or so. I casually add to it on the weekends to make up for the things I sold out. Keep about 500 things for sale on a constant basis in my ebay store at all times. I do crypto investing and have done very well with that as well. I made 30k in 2020 and put all that back into the crypto market when everything went down 90+%. Teh return on that move will me HUGE to where I can take that money and pay cash for a property to move into. This move will free up about a thousand a month in living cost (rent) . Making moves!! Thanks for the video. It is motivating!!
Not telling us what your primary job is just makes me imagine crazy professions you could be a part of; masseuse, hitman/hit person, personal trainer, physical therapist, drug dealer, high-end hair styling, event coordinator, photographerr, porn star...etc. 😊😅
I agree I haven't had one job that hasn't folded up or changed hands. Extra income is crucial 👍🇨🇦😊☕
Absolutely!!
Yes make a monetized youtube video. thank you.
back when i was your age: salaried job, house mate, income from savings
now as semiretired 60+: income & cap gains from savings, part time substitute teacher - social security perhaps next year
also don't forget that a penny saved is a penny earned: never buy a new car. total scam!
As for me my main source is full time law enforcement, with a pension from Pryor law enforcement career that I retired from in 2005, receiving pension currently, getting ready to retire for a second time from new department not putting in as much time but walking away with a nice pension for life with a nice lump sum payment as well. We also have rental properties 4 family house that we are rehabbing now soon to sell. Fidelity investments and deferred compensation investments offered as a state worker. We only have a few years till we pull the plug. So I beginning my you tube channel as we speak, I’m getting my ducks in a row and I’m hoping to blow up on this RUclips platform. I love your candid and honest delivery of your life and experiences. I wish you continued success!!!
Thank you!, you are showing great progress in creating content worth watch. Kudos!
I am enjoying your candid content ❤❤❤
Yes, I feel that way too. I'm a freelancer and I fear that one day people wouldn't be reaching out to me for work and I'll be left with no source of income.
I’ve just subscribed to your channel and I love it! I’ve told my children who are all in their twenties to listen to your advice. I just retired at 54 and it was possible by being frugal all my life. I have had a financial adviser at BMO for thirty years and with that help and guidance has made my husband and I able to retire early. It amazes me that so many of our friends think they can manage their retirement savings portfolio on their own.
Thanks for the love. I’m glad that your portfolio worked out for you and allowed you to retire early, but I am indeed one of those people who would recommend skipping the big bank advisors in lieu of just passively buying index funds via DCA.
The truth is that you likely would have even more if you had not paid the high fees charged by the big 5 and the mediocre-at-best funds they push.
Very few people actually require a financial advisor, but those who do should seek out a fee-based advisor who they pay per hour for advice rather than paying 1% of their portfolio since this can amount to 5-6 figures over the span of their investing life.
Of course, none of this is financial advice 🙃🙃🙃
What is. DCA?
@@bonniebrown1305 dollar cost average
@@AccordingtoNicole I agree with investing it yourself, learn what it is and how it works. Don't let fear rule you. Diversify and long term
@@bonniebrown1305, Dollar Cost Average.
Practically means that you invest every e.g. month regardless of the price per stock or ETF so in a full year you have bought in down's and up's of the market.....
I have a day job that pays me more than enough to live by but i also have a lot of other sources of income. Also, I want to say that I admire your frugality. I can see that you barely have any furniture in your house, not saying it's a bad thing. In fact, it's admirable.
Another great video! I would be interested in hearing about your income from RUclips! (Because I’m nosy and have no idea how it works 😅).
Coming soon!
I retired! Invested, saved
I've been thinking about side hustles a lot but the thing that always stops me is the filing taxes for them. Could you do a video about that? What forms, when do you file them, is there an amount limit before you file them?
Its easier than you think. If you make less than 30K don't need to worry about GST and PST stuff for the business. Most of the tax programs allow you just add whatever you earned and add the expenses also and netfile all the paper work.
You get a 1099 from the companies you work for to send to the irs.
@@victorbaird8220 Do I file once a year in the same form as I would my day job taxes?
Yes once a year in April like normal taxes.
So, high yield savings accounts aren't much an income stream because a lot of the time, they don't keep up with inflation, which averages about 3% over the last 100 years. Even if you see an extra $200 in your account after a year, you've still lost value (or if you're lucky, have kept pace with inflation so you haven't lost value, or made a tiny, tiny profit.) So, for most people's purposes, HYS accounts are basically pots to pull money from when they need it. Stocks are more volatile, but they average about an 8% rate of return historically, so if you want your money to work for you long-term, they're superior.
That amount of bank interest is way too low Nicole (in my opinion). Not worth it in my opinion-the bank is taking your money (and the money of others) and investing it in the markets and making a lot of money and giving you your 3% or whatever. I think you are better off taking that money and buying more dividend stocks (investing through RRSP or TFSA) than putting it in a "high" interest bank account. Aside from that I agree with what you are saying. I am a subscriber and I watched several of your videos-they are really good!!!
Appreciate your channel. Thanks
When you flip things, what's the added value you are putting in? Have you tried scalping in-demand commodities or concert tickets?
Flipping musical instruments would be an awesome side hustle. My husband and i are both multi-instrument musicians, but we live in Newfoundland, so the market isn't as prolific here lol.
For streams of income, I work part time, my husband works full time and I just started flipping on the side. We have 2 toddlers, so once they're a bit older and in school, I'll be either working more or ramping up the flipping. This year, we decided to open a second bank account that's high interest. We're still deciding on which one.
rock on awesomesauce. SOOOOOO Inspiring. Thank you for being exactly you,
I use a credit card to pay for everything. Pay of the total every month and recieve a few hundred dollars every year in reward money from 1-5 % depending on purchases. I also have a military reserve pension union penision and socisl security.
My grandson picks up scrap metal recycles it and buys gold.
Hi Nicole- I have 3. A small interest accruing account, govt job and seasonal gigging. The fun jobs are the ones that dont require phone calls because reception in Ontario is really poor! Sad
Wow! Great video. I’m currently looking for side hustle jobs! I’m also getting back into minimalism. Great channel ❤
I think you would be able to add writing to your income streams. Many of your videos feel like personal essays. You might want to try publishing on a site like Medium.
I'm sure I'm going to tell people to suck eggs but I just saw on RUclips (sorry, to lazy to get link) that one should invest in stocks and bonds according to knees age, i.e., the older one is the more bonds vs stocks one should have.
S.o.I: some shares , main ( could be ending next year, so I need to find something else...-why I'm a subscriber here) job, rent from house I couldn't tafford to live in (?)- er, finally earning some money ( until next interest rate increase) after not increasing the rent for years ( I'm such a Rockafella).
Cheers.
I'm a teacher in France so I feel pretty secure about my income but I could really use other streams of income as well...😅😅😅
i am 59 years old and if i had a job, I WOULD LOOSE MONEY!!!!!!!!!
Well.. Everyone who is the sole breadwinner has the lingering worry that they will lose their source(s) of income.. Which is a driving factor toward moving in with a romantic partner. I definitely had less anxiety when I knew that my wife's income could pay bills if something happens with my job.
Interesting young woman. Logical, a good thinker. communicative and yes, cute.
Hi Nicole I just subscribed recently to your channel and yes it would be interesting to hear about how RUclips pays you and the details of that. You have the perfect background of your clean nicely decorated house I’d like to say, it’s perfect for your channel. My father grew up extremely moderately and taught me all of this. Your ideas are wonderful and you are an excellent role model for so many young people and the like. You’ve given me a few tip so thank you for that. Thank you for putting this out there.
I have 4 streams of income.
Sewing business
Cat sitting
Certificates of deposit interest
Social security (US)
If i put all my savings in a high interest account that would be more than the $2 a year I get now.
I love working. I just don’t care for working with people who tend to be mentally unstable and don’t know how to stay in their lane. They need to just get the work done without the bullshit. I’m not their friend nor would I ever want to be. I have my own personal life and friends.
I wish to learn to do self employment again. I just can never come up with a proper idea. I did have a YT channel at one time, however it did not go anywhere as planned
I have 1 source, but I am always trying to find a 2nd to get rid of the 1st! Maybe, I should focus on more than 1 more and I can get rid of the 1st finally!
Thank you!
Have one source of income that being a teacher. However I am endorsed to teach Biology, General Science, Chemistry, and Physics. At least in my state these are the most in demand endorsements other than if your a special education teacher. They are the only ones that are needed more. So I am pretty much secure unless the whole education system dies which to be fair our Governor is trying really hard to do. Other than that though I would have little to know competition getting another position at another school.
I sell things on FB marketplace and get a lot of offers from lowballers. I hope you don't make low ball offers to be able to flip things. Otherwise, it's just very sad.
I am curious of how much you make on RUclips and maybe some tips to get started and what's a realistic timeframe to expect to break even.
The person who doesn't do thrift shopping or shop on Marketplace flips musical instruments? Are those used instruments that other people have touched? lol Aren't we who have standards about how we desire to live, clever at finding loopholes for certain things that break or at least skirt those standards? BTW, I am impressed that a 30 yo is wise about supporting themselves and living the life they want. (I surmise that you have some familly resources that you could turn if you really were in need. Nothing wrong with that. It is a nice to have that backing if only to know it is there. However, I think it makes taking risks a little more doable.
Great videos, impressive and good insight on many things. My only other comment is you really need some ART in that place. The bare walls would depress anyone.😁
What was her day job?
Fast food
Call center
Secretary
She never mentioned
Nicole , I have watched a few and more of your vids. enjoying the info. esp income , side hustles etc. subbed, smart cookie!
I supported myself for 20 years independently like you, and I knew someday it would end, but I had in my mind how I wanted to live and everything manifested!