Financial Freedom

These two words are very, very powerful words, and to me, they evoke a strong sense of independence and freedom, both in financial and literal sense.

And this word ties in very closely with the famed "passive income" - you cannot be financially free without passive income flowing into your bank account/pockets.

It seems that many people think that becoming financially free and building passive income is a very hard thing to do, but frankly, it isn't. Yes, there are many different methods which ranges from dividend stock investing to rental properties purchasing to licensing to making money online to intellectual property - there are so many roads that lead to passive income.

There is no right or wrong answer, there is only "your preferred" solution answer.

I pretty much don't really like handling and investing in rental real estate, so I don't go for that (needs too much money and too much management and too much related costs); I hadn't been able to do licensing or have intellectual property, so nothing there.

So I make my passive income from my dividend stock investing and make money online - these are my current two approaches, and even within each of them you can further "zoom in". I have different websites selling different things from different companies, because of differing interest as well as to spread out the risk and diversify.

Likewise for my dividend stock investing - I am vested in about 15 different dividend stocks that pay me anything from 5-9% per annum. Also to diversify and across different companies and sector.

Thing is, this means that I have about 15 passive income streams from my dividend income stocks; and 3 passive income streams from my online businesses. Collectively, as you can see from my passive income reports, they form my passive income, and I aim for them to hit $100K per annum, and that's when it's significant enough for me =D

That's my game plan to financial freedom at its lower level (Phase 1)

Phase 2 is to invest more deeper and with more diversity (or less) such that my passive income from my dividend stock investing hits $100K per annum. Once I hit Phase 2, I know that I am pretty much very safe and stable financially already - truly Financially Free.

And then if have much more surplus, all the surplus will be channeled to dividend stock investing, and we will live off the dividends.

For me, the easiest way to start is to learn how to make money online - the cost is low (you can sign up free membership with Wealthy Affiliate to learn how to build a profitable website) and it can truly grow and scale, rather than having to save or make thousands to put as downpayment to rental property etc.

What about yourself?

If you're a student, stay at home mum (SAHM), working full time or part time, or retired: you must build an online business on the side. Please don't quit your job yet, build it on the side until it's profitable enough to replace your salary, then you have more options.

It's not a luxury but truly a necessity for your future.

I've built multiple businesses (and lost multiple too) and I can tell you frankly that building a business on the internet is the cheapest/most cost-effective way to business. There are thousands of people who do so sharing on topics that they're passionate about (like how shares on passive income and online business, which is my passion…for years now).

I know I am making some money online (see my income reports), and I know my financial future is getting better and better. But it is not easy, and takes a lot of time to learn and apply but I am building my passive income internet businesses that will work for me day in, day out; serving readers and customers profitably and delivering value 24/7.

To learn how I to make money online, join my mailing list and visit my resources page to see all the tools I use actively to build money making online businesses.

Where to next?

Head to Home Page

Start with these:

  1. Start Here
  2. FIRE Manifesto
  3. FIRE 101 and
  4. The Passive Income Lifestyle Framework.

They are my recommended to start with articles that ties in the entire framework, philosophy and working model of FIRE Lifestyle

Save-Earn-Invest More Articles

  1. Ruthlessly Cull Unnecessary Expenses
  2. Respect The $10s
  3. Small Tweaks To More $10s
  4. $150K+ By 35 - Reality Or Delusion?
  5. Start An Online Side Hustle With Solo Build It
  6. Start Investing For Passive Dividend Income In Just 3 Days
  7. How To Retire With $3 Million
  8. Invest To Spend On Luxury & Liabilities (Whatever You Want*)
  9. Shocking Maths Of Early Retirement (It's Less Than You Think)

See more Save, Earn & Invest More articles here.


  1. Contact me by email at (even just to say hi) at
  2. See the latest articles and updates at the blog
  3. Check out my resource page to see the tools I use
  4. See my top two resources for online business below: Wealthy Affiliate (left) and Solo Build It (right) - both have very specific strengths and functions

Wealthy affiliate: #1 to learn how to build profitable wordpress online businesses

Wealthy Affiliate is my recommended for WordPress online businesses.

I've been a premium member of Wealthy Affiliate since 2015 and there are a number of pros to be with them, which you can read at my Wealthy Affiliate review here.

One of my favorite points of WA is that they have a try-before-you-buy forever-free membership which you can sign up here for free. No credit card needed.

solo build it (sbi): #1 for offline businesses local search engine ranking, traffic and lead generation

Solo Build It (SBI) is my #1 tool for local search engine optimization (SEO) domination as well for online marketing which I've been using since 2010 personally for multiple projects. Read why I chose Solo Build It...

...and more importantly, why I still stay with Solo Build It (SBI) till today and use them exclusively for all my SEO, traffic and e-lead generation.

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