How to Start an Online Business From Start to Finish

How to Start an Online Business From Start to Finish - Featured Image

The biggest challenge to becoming an entrepreneur is the battle within your mind.

Fear, doubt, and laziness will limit who you really are and who you are meant to be. If you want to change, you must be able to face these handicaps head on.

These elements will keep you small and deny the life you really want for yourself.

There is no one in your way except for you

It is easy to stay the same. It is easy not to change. Most people choose to stay the same all their lives. 

If you can find the strength to take on these elements, you will find the door to your passive income lifestyle.

The truth is, anyone can become an entrepreneur. This article is designed to show you how to start an online business from start to finish.

What is Your Why?

When entertaining the idea of becoming an entrepreneur many folks are compelled with the idea of striking it rich and becoming a millionaire overnight. Now, I can appreciate the ambition in this style of thinking, however, this is rarely the case. If ever. 

How to Start an Online Business From Start to Finish - Why

I’m not saying that it cannot happen, I’m merely stating that the cards are stacked against you. In fact, if you were to ask any successful business person how they did it, most likely their answer would include words such as time, dedication, and purpose.

Purpose, in my opinion, is the biggest factor.

I can tell you from personal experience if you are starting a business just to make money, you will live a meaningless life.  

That is why a “why statement” is important. Dig deep.

What is your purpose? Why do you do what you do?

At Digital Investor our ethos is “to create quality content and education, so that you can create a passive income lifestyle”. 

It’s really that simple for us, but it has made all the difference in our existence on this earth.

Planning is Essential

Before venturing off into the market with your idea, it’s good to have a plan. I highly recommend devising a business plan, marketing plan, and strategic plan.

Let me explain.

A business plan should be the overview of your business. In this plan you want to take a look at your  business from 30,000 feet and determine the overall direction. 

For example, your business plan should include such things as identity. Who are you? What do you do? Why do you do it?

Next, what problem are you going to solve? This is what an entrepreneur does, right? Solve problems, for a profit, yes? Now that you have identified the problem, what will be your solution? What is your better mouse trap?

Who is your target market? Who is the competition? You will want to know who you are going after and what type of competition exists.

Revenues, expenses, break-even, etc. Budgeting is the single most important factor in business, in my opinion. If you cannot create these forecasts, I would highly recommend hiring a professional to help you with the numbers. 

Stick to your budget, otherwise, you won’t be in business very long.

What does your future team look like? I suggest learning all aspects of your business intimately before hiring help or outsourcing.

A marketing plan is exactly what it sounds like. How will you market your business? Will you create digital business cards? Build a website? Attend meetups? Offer education? Host webinars? 

Remember the demographic of the target market within your business plan when considering these different marketing strategies.

Finally, a strategic plan is what consists of the actions you are taking and milestones you are achieving on a daily, weekly, or monthly basis. 

This is the plan we need to regularly visit and review to make sure our short-term actions are aligned with our long-term vision.

Create Your Online Side Hustle

How to Start an Online Business From Start to Finish - Hustle

Today’s business opportunities exist conveniently within a fingertips reach on a hand held device. We can literally connect with anybody in the world at any time of the day. The internet and technology have created this type of environment.

So then, doesn’t it make sense to utilize the internet and technology to build your business? There are countless opportunities in the cloud if you just take the time to engage in deep-thinking. 

If you are a service based business, you can market your skills on If you are a products business you may want to consider Amazon drop-shipments. 

Internet marketing can be very lucrative. That is why I’m a huge fan of finding high traffic keywords and building my marketing around this demographic.

To learn more about finding high traffic keywords Click Here 

Determine your fee structure using your budget and break-even analysis. This is why I’m such a huge fan about having accurate numbers. Obviously, if your fees are too low you will slowly go bankrupt and if your fees are too high you will not get the business.

Finally, don’t forget the customer service aspect of your business. How would you like to be treated if you were making this purchase?  

I can’t stress enough on the importance of doing what you say and saying what you do. I can tell you from personal experience when these two elements begin to deviate from one another, you could be in for a wild ride. 

As a savvy business person it’s important to build your reputation the right way, you will be rewarded in the long-run.

Work Your Ass Off

There is really no softer way to explain this process. If you think that being your own boss means that you’ll have more time off, I would urge you to keep your day job. 

The reality is that successful entrepreneurs are always working. There is no way around it. 

The key is finding your passion in your business, which stems from your “why statement”. There is a lot of power in viewing your business in this way because it no longer becomes work. When you are passionate about your business you are fulfilling your “why?”. And, when you are fulfilling your “why statement” you are aligning your purpose in life.

This is the true beauty of being an entrepreneur! You’ll spend every single day doing what you love.

How to Start an Online Business From Start to Finish - Hustle

Scaling your business and developing a team can be scary. Of course, nobody else can do the task better than you, they will probably fail miserably. 

In building a team for my businesses I’ve learned to add slowly and subtract quickly. The truth is that most people will not be tuned in the same fashion as you are and they will not have the same passion as you do. 

That’s just the reality of it.

I’ve learned to start with delegating small tasks and slowly work on adding more sophisticated tasks after a potential teammate has proved themselves.

That is the only way, make them earn it. You will quickly be able to recognize talent.

On the flip side, if you notice less desirable traits, be quick to move on. There is always another, trust me.

Remain Teachable

The two most dangerous words in the English dictionary are “I know”. The truth is that most people don’t know, however, we as humans don’t want to admit the fact. 

Honestly, It just doesn’t look good to the outside world.

I’ll be the first to admit that I don’t know, in fact, I take pride in it. When I admit that I don’t know it keeps me humble. And when I am humble I remain teachable. This is a key factor to success. 

I constantly use Google and YouTube to research topics.

I invest in continuing education. If you are interested in learning about high traffic keywords Click Here

I have a personal goal to read 24 books per year, that’s 2 books per month.

I attend 2 – 4 seminars per year. 

And, I constantly ask questions about ideas I do not understand. That is the only way to learn and continue to learn.

Don’t be afraid to admit you don’t understand. 

Lastly, I want to end this article with some sage advice. Don’t give up. Ever.

The road to success does not happen overnight and Rome was not built in a day. And, now you have a better understanding on how to start an online business from start to finish.

If you have found this article helpful, please leave comments below and/or share on social media.

If you are interested in subscribing to Digital Investor Click Here

To your passive income lifestyle,

How to Start an Online Business From Start to Finish - Signature

Justin Ash, Founder/ Member

Digital Investor

Experience the World – How to Make Money as a Digital Nomad

How to Make Money as a Digital Nomad - Featured Image

During the Hunter-Gatherer Age a nomad was considered a member of a tribe that travels, constantly moving to different locations for survival purposes. The term was used to describe a culture that existed way before the internet or even civilization as we know it today.

With the coming of the Information Age it has become necessary to re-define the term “nomad” in the context of today’s digital nomad movement. Digital nomads are not driven by necessity, fleeing the elements, or chasing the promise of a different region.

Conversely, digital nomads are motivated by freedom and an inner urge for exploration, discovery, and experience.

If you seek this type of lifestyle, it is important to learn how to make money as a digital nomad.

What is a Digital Nomad?

Digital nomads are tech-savvy entrepreneurs make their money in the cloud through utilizing highly effective technologies. More generally, they conduct their life while traveling nomadically – From any location in the world.

A solid internet connection and a dependable laptop are the only physical tools of this culture.

Seek the Right Education

This type of lifestyle is not common. In fact, most people simply cannot even grasp the idea of working and living remotely.

how to make money as a digital nomad - education

This is because most people have never been exposed to a financial education.

The test of a good education is what can be done with it – If you are seeking a high paying job, a college education can get you that. I say “can” because it seems even graduates today face harder and harder challenges regarding job placement, nothing is guaranteed after you graduate from college.

If you want to be a digital nomad entrepreneur, I highly suggest seeking a financial education outside the traditional halls of academia. A financial education can teach you real-world practical skills of how to build an online business, how to acquire real estate for cash flow, and how to trade the financial markets.

This type of work can be done from anywhere in the world with a laptop and internet connection – The cool part is that even the costliest investment courses are usually less than what you would pay to attend a big-name university.

Know Your Budget

As with any business venture it all begins your budget, more specifically, knowing the exact amount you need each month to survive. When you become an entrepreneur this is the amount, in addition to normal business expenses, that your business venture will need to generate.

It’s really that simple, for example:

It costs you $1,000 per month to live and you have $500 per month in operating expenses for an online business, thus, you would need to create $1,500 per month in revenue.

Take it a step further, you earn $20 on each service you sell on your website. If you take $1,500 and divide by $20 you get 75, in other words, you need 75 sales at $20 per sale to make $1,500. This is called your break-even point, it is a good number to know.

Now lets say that your website has a 10% conversion rate, meaning that 10% of all visitors to your website actually buy the product or service. To create 75 sales you would need 750 visitors – Boom!

You now know your daily tasks should consist of generating 750 visitors each month – When you are equipped with the right knowledge it is not that difficult.

If this seems complicated, I urge to re-read this section because it is immensely powerful.

Choose an Income Source

how to make money as a digital nomad - income

There are so many ways to make money remotely these days If you choose to think creatively. The creation of the Information Age via the worldwide web has given us many more options regarding profession.

I have said it once, and I’ll say it again – If you can find a popular niche market, build out a high-performing website, consistently create quality content that demands high amounts of traffic – affiliate marketing is the best way to create passive income.

The good news is that you do not need to have any existing knowledge to get started. In fact, my buddies Kyle and Carson of Wealthy Affiliates make the process as beginner as you can possibly make it.

I literally knew nothing about affiliate marketing and now I am generating an income.

Learn more about Wealthy Affiliate Click Here

If you aren’t attracted to building an online business there are plenty of other ways, I also invest in real estate and trade the financial markets.

Passports, Visas, Residency, & Citizenship

Traveling to foreign countries can seem confusing and cumbersome if you have never traveled outside your home country.

Do not be discouraged, the process is simple – and many countries operate in the same manner.

It begins with obtaining your passport in your home country – If you are an American, congrats, because you have obtained the proverbial golden ticket to Willy Wonka’s Chocolate Factory.

The US passport gets you into many countries very easily.

After you have a passport you can travel to foreign countries with a visa. There are many types of visas including tourism, education, business, medical, etc. which allow you to say in country for anywhere from 1 – 12 months depending upon your home country’s relationship with the foreign country.

In many cases, you can travel to different countries visa-free or with a visa-exemption for a limited amount of time – Checkout entry requirements of foreign countries with a US passport.

If you are looking for a living situation that is more permanent, then residency would be your next option. Again, there are different types of residency, different amounts of time, and different types of qualifications.

With residency you can legally come and go as you please, obtain employment, build business, and make investments.

how to make money as a digital nomad - passport

Finally, depending upon the country, you can obtain a dual citizenship with another passport. This would give all legal rights above any type of residency including the ability to travel on a passport from a different country.

In all my adventures all over the globe I can tell you learning how to travel and live abroad has been greatly beneficial – physically, spiritually, and financially.

Do you want to become a digital nomad entrepreneur? The good news is that it is completely possible – I can personally attest to this statement.

If you would like to learn more about building on online business Click Here

Find your passion, work towards your goals relentlessly, avoid the naysayers, and start with small adventures – Soon you will be traveling all over the globe.

If you have found this article helpful, please leave comments below and/or share on social media.

If you are interested in subscribing to Digital Investor Click Here

To your passive income lifestyle,

Justin Ash, Founder/ Member

Digital Investor

Experience The World - Signature

What is the Best Online Marketing Business?

Best Online Marketing Business - Featured Image

Throughout the history of mankind, we have seen different stages of social and economic evolution. Each stage has yielded advancements far beyond what any human of the past could have ever imagined.

Dating back 2 million years ago was the Hunter-Gatherer Age where primitive hominins relied on nature to exclusively provide wealth. These nomadic tribes of people would travel to locations where the hunting was abundant, and the vegetation was plentiful. To survive, an individual must know how to hunt and gather – or you could not feed yourself.  For this Hunter-Gatherer class of humans, the tribe was the only social security.

Roughly 10,000 years ago technological advancements in working the land allowed humans the ability to produce food through agriculture. This rise in classes was known as the Agrarian Age. Due to these advancements in technology to plant and cultivate the land, those who owned the land and rode horses became royalty while those who worked the land and walked became peasants.

In 1492 Christopher Columbus set out to the New World for the purpose of finding new resources such as oil, copper, tin, rubber, and many others. This eventually led to the rise of factories and mass production of goods and services in the 1800’s. The period of discovering new resources and mass-producing goods and services was the Industrial Age. It was during this time that land no longer provided crops, but provided resources, which led to the land becoming much more valuable.

best online marketing business - product

Today, we are in the Information Age where access to any type of information is easily accessible at the touch of a finger on a smart phone. The world wide web has allowed us the benefit of communicating and conducting business with anybody in the world, at any time in the day. The expense of growing extremely wealthy has decreased substantially.

In fact, growing wealthy through building an online marketing business has become a popular profession today.

Which leads us to beg the question – what is the best online marketing business?

There are many ways to make money online with an online marketing business, let us examine them.

Sell a Product

The easiest way to get started with an online business is through selling a product that you already own.

Consider having a virtual garage sale!

In fact, my very first online sale consisted of placing a photo and description of a snowboard on Craigslist, communicating with a buyer, and then meeting to exchange the snowboard for cash.


If you are in the business of producing and selling products you may want to use a more professional and sophisticated platform such as Amazon.

There are many other directions you could go and the online marketplace for products is massive.

Sell a Service

Another way to begin with an online business is through selling a service in which you are a professional.


This is truly one of the best ways to build an online business because it can allow you to create a passive income lifestyle.

You do not have to be physically present in any one location – travel freedom!

If you have a skill set in design, digital marketing, writing, video, music, programming, etc. check out Fiverr – this platform is geared towards short-term business relationships.

If your skill set is geared more towards building long-term business relationships in development, sales, customer support, finance, accounting, etc. check out Upwork.

These are both excellent websites to market yourself and build a customer base.

Amazon FBA

best online marketing business - amazon fba

If you are savvy with Amazon you can build an online business with Fulfillment by Amazon – FBA.

Think of flipping hot selling items with Amazon.

This process allows you to utilize Amazon’s numerous huge warehouses to store and ship products you sell through the Amazon website.

Amazon FBA is a great way for you to realize the huge benefit of economies of scale with Amazon’s resources.

In most cases customers are completely unaware that they are making a purchase from a 3rd part seller using Amazon FBA.

Affiliate Marketing

By far the best way to build an online business is through affiliate marketing.

I personally prefer affiliate marketing because there is no need to create your own product or service, you can easily become an expert in any given niche market through research, and the costs attached to initial start-up and recurring operating expenses are extremely low.

You will be amazed with the results when you are adequately equipped with the knowledge of building out an authority website that consistently drives traffic through your unique content creation.

I am a member of a community called Wealth Affiliate where I have learned how to do just what I described above.

Learn more about Wealthy Affiliate Click Here

The results have been amazing – no joke!

Even if you are a complete novice the training is simplified – complete with countless videos, tutorial training, live classrooms, and in-depth courses. The community consists of over 900k members who offer live and interactive help 24/7.

And, you can build out your first website with hosting completely for free.

I have not had a bad experience with Wealthy Affiliate – true professionals!

Assess Your Risks

As the world re-emerges from the depths of the COVID-19 pandemic I think now, more than ever, mankind is forced to reassess the major risks to livelihood.

Is it safe to rely on mainstream media for guidance? Is it safe to rely on governments for safety? Is it safe to rely on our employers for income?

I have always been a fan of building a passive income lifestyle to mitigate these certain risks – it doesn’t matter where I go in the world with this lifestyle!

Building an online marketing business is the first step in a passive income lifestyle.

best online marketing business - affiliate marketing

Without a doubt, one thousand percent!

Affiliate marketing is by far the best type of online business and you can learn affiliate marketing with Wealthy Affiliate.

Here’s the exact affiliate marketing training I purchased Click Here

If you have found this article helpful please leave comments below and/or share on social media.

If you are interested in subscribing to Digital Investor Click Here

To your passive income lifestyle,

Justin Ash, Founder/ Member

Digital Investor

What is the Best Online Marketing Business - Signature

How to Earn Passive Income Online and Pay Less Tax

How to Earn Passive Income Online and Pay Less Tax - Featured Image

In 1928 Evelyn Gregory was the 100% owner of United Mortgage Company. United Mortgage Company owned 1,000 shares of a Monitor Securities Corporation. To comply with the law of a tax-free corporate reorganization, Gregory created Averill Corp, transferred the 1,000 shares into Averill, dissolved Averill, distributed and sold the 1,000 shares for roughly $133,333 while avoiding $10,000 in tax.

Brilliant – in my opinion!

To the contrary, the Commissioner of Internal Revenue, Guy T. Helvering argued that there was no business reorganization and that Gregory had simply used legal forms to understate her tax liability by $10,000.

In 1932, upon review, the Board of Tax Appeals initially ruled in favor of Gregory allowing the tax-free organization.

Interesting precedent!

In 1935, to Gregory’s dismay, both appellate courts of the Second Circuit and Supreme Court ruled Gregory v. Helvering
in favor of Helvering the IRS Commissioner.

Judge Learned Hand of the Second Circuit Court of Appeals, however, did make the following statement: “…a transaction… does not lose it’s immunity because it is actuated by a desire to avoid or evade taxation. Anyone may so arrange his affairs that his taxes shall be as low as possible; he is not bound to choose the pattern which will best pay the Treasury; there is not even a patriotic duty to increase one’s taxes.”

I agree with Judge Hand – there is no reason to pay more tax than what we are legally obligated, and there are many tax strategies that we can use to make this happen.

That is why it’s important to learn how to earn passive income online and pay less tax – because it’s not about how much you make, it’s about how much you keep!

3 Types of Income

how to earn passive income and pay less tax - courthouse

Before you can begin to deploy any type of tax strategy it’s important to understand the 3 different types of income that the IRS recognizes. This is an especially important step in the process because each of these different types of income is taxed differently.

The 3 types of income are:




Earned income is income that is produced in your normal day-to-day activities such as your job, W-2 wages, salaries, tips, small business, 1099 commissions, consulting, products, and many others. It is important to remember that the the production of earned income requires a substantial amount of participation from the individual – commonly referred to as “material participation”.

Portfolio income is income that is produced outside of your normal day-to-day activities and is not created through your normal business activity such as interest, dividends, and capital gains.

Passive income is income that is produced from an investment such as a rental property or a limited partnership in which you do not materially participate. According to the IRS, there are only two different kinds of passive income:

Net rental income from real estate or equipment.

Business income in which you do not materially participate.

Passive income does not require a substantial amount of participation from the individual.

How Each Type of Income is Taxed

Earned income is the highest taxed form of income and subject to an additional 15.3% of SE tax. If you are a W-2 employee, you are extremely limited in nature to the amount of tax deductions that are allowable. If you have a small business the taxability of the income is the same as a W-2 employee, however, you have many more tax deductions.

Portfolio income is generally taxed lower than earned income. There are many factors involved such as filing status, tax bracket, the amount of time the investment held, etc. There are very few tax deductions that are involved with portfolio income.

Passive income is the lowest taxed form of income with the most amount of tax deductions.

Thus, you can see why it’s important to have a good base-camp understanding of the 3 types of income and how they are each taxed.

Earn Passive Income Online

As I’ve mentioned before, there are many benefits to aligning yourself with the future of technology and building an online business. There are literally 100’s of ways to make money online, but I personally believe that focusing on affiliate marketing is the best choice. Through researching a profitable niche, learning how to build a website, and maximizing traffic through providing keyword rich content you can build a passive income stream.

There are many niche markets in which you can profit, and the cool part is that you don’t have to be an immediate expert in that certain field. Realistically, all that it takes is a desire to grow and learn, you will soon become well-versed in your niche market.

Technology advancements today have allowed just about anybody with a pulse to build a website. The business start-up cost to build a website is by far the lowest start-up cost that exists in any industry. For less than $100 you can get a domain name, hosting, plugins, support, and many other features that go into building a website. In fact there is a free start-up option, I would suggest checking out a company named Wealthy Affiliate.

Learn more about Wealthy Affiliate Click Here

Generating traffic to your website can be accomplished through keyword research and quality content creation. The keyword research is vital in determining how to drive traffic to your website. I have found a company called Jaaxy is by far the best at giving you the information that you will need to accomplish this task. After you have pieced together an amazing piece of content you can convey the piece with a blog, video, or podcast.

Over time, the more content you create, the more traffic you will generate which opens the doors for many ways to provide value to your visitors and monetize the flow.

Pay Less Tax with an Online Business

Yes! Building an online business does mean creating passive income that continues to pay dividends into the future. For tax purposes, however, there is nothing passive about building any type of business. If you are creating the income stream and working in the business daily, thus, you are materially participating in the business.

For this reason, an online business would be classified as earned income which subject to the highest tax rates.

how to earn passive income and pay less tax - online business

The tax strategy to use with an earned income business is by incorporating the business into an S-Corp, or, an LLC taxed as an S-Corp. When you utilize the S-Corp strategy correctly you can forego paying the additional 15.3% SE tax on the profits of the business.

For example, if your business profits $100,000 in a single year, you would essentially save $15,300 in tax with an S-Corp.

Such a profound strategy!

With the favorable tax treatment, however, the IRS does require additional regulations.  You will only be able to take advantage of the S-Corp strategy as of the day of incorporation moving forward. In addition, corporate officers are also considered employees in which a reasonable salary will have to be setup to take the first monies out of the business.

The good news though is that after the reasonable salary is paid, the owner can distribute the remaining profits of the business with a tax-free distribution.

If you desire a true passive income lifestyle, building an online business through affiliate marketing is a great way to accomplish this goal. As you begin to earn more, however, there will be tax consequences.

Learn more about affiliate marketing Click Here

That’s why it’s important to learn how to earn passive income online and pay less in tax because the S-Corp strategy can save you a ton of tax!

If you found this article helpful please leave comments below and/or share on social media.

If you are interested in subscribing to Digital Investor Click Here

To your passive income lifestyle,

Justin Ash, Founder/ Member

Digital Investor

How to Earn Passive Income Online and Pay Less Tax - Signature

The Best Passive Income Ideas in 2021

Best Passive Income Ideas - Featured Image

As we turn the page into the 2021 new year, I could not help but to notice the various references on social media directed at the end of the 2020 year.

“2020 is in the past”, “So happy 2020 is finally over”, and “Goodbye to 2020, hello to 2021”, etc.

2020 was a year in which mankind will remember for eternity. A global pandemic, social unrest, Antifa protests, black lives matter, socialist reforms, presidential election, and the storming of the US capital.  

The rise of the Chinese economy, potential war with Iran, natural resources in the middle east, and a war on drugs brewing in South American countries can also be added to the list.

It saddens me that there is so much divide in our world today.

Unfortunately, I think we have only seen the tip of the iceberg, and to blindly say “So happy 2020 is finally over” is completely unrealistic and irrational.

As if the end of 2020 and the beginning of 2021 will magically make all the bad disappear.

best passive income ideas - 2020 meme

Humanity has been completely stunned and caught off guard by the multitude of worldwide events that happened in the 2020 year. In addition, the long-term consequences personally, emotionally, politically, and economically have not been afforded enough time to fully run their course.

The cool deal about being a rational human being is that we have the power of choice. And, if you are reading this article my guess is that you are a person who is ready to face these facts head on and examine your choices.

Building a passive income stream that generates cashflow regardless of uncertain economic times can be a gamechanger. That’s why I want to introduce you to the best passive income ideas in 2021 so that “Goodbye to 2020, hello to 2021” could have a different meaning altogether.

The Ugly Truth Behind Today’s Jobs Market

The U.S. economy has recovered more than 12 million jobs since the early days of the COVID-19 pandemic but is still a long way away from what the Federal Reserve would deem “peak employment” levels.

There still exists a myriad number of issues facing workers today and the pace of job creation has slowed considerably. Unfavorably, the rule of thumb goes that the longer a person is out of a job, the longer it takes them to find a new one.

Though the unemployment rate has fallen from its 2020 high of 14.8% to currently at 6.3%, nonfarm payrolls increased by a meager 49,000 jobs in January 2021 but fell by an astonishing 227,000 in December 2020. More than 10 million workers are still without jobs today – 4.4 million higher than before the pandemic.

In April 2020 initial jobless claims reached an all-time high of 6.6 million. Since that record high claims have trickled in just under 1 million per week – The highest the weekly jobless claims has ever been was 653k which was set back in 2009.

Misclassification errors have skewed the Labor Department’s numbers since the pandemic began back in March – the unemployment rate today should be much closer to 10%.

Many lives have been negatively affected causing feelings of fear, insecurity, and various unknowns about personal finance as a result in the recent change in the jobs market.

Why You May Be Stressed

According to PwC’s “2016 Employee Financial Wellness Survey”, as reported by U.S. News & World Report, “Among U.S. employees, 52% reported feeling stressed about their jobs and finances… among them, 28% reported that financial stress had impacted their health.”

Why does this happen?

Since we were kids growing up if we did not live in a household that taught financial education we would not even know better. How many of us were taught to go to school, get good grades, go to college, get a high-paying job, etc.?

Does that model really work?

According to the metrics outlined above, being an employee, whether high-paid or not, is a precarious position to be in if you want to build wealth, or even survive in today’s market.

As an employee you may be stressed because you literally have no control over your financial future, even if you feel the company you work for is making the wrong decisions. When you effectively sell your time, you may begin to start forming a money stress depression.

And, If you are not working – or are not able to work – you do not get paid!

This presents a real challenge if you become sick or injured, especially if you have no safety net or different source of income, especially passive income.

I can see the look of panic in people’s eyes when I go about my business during the day.

Best Passive Income Ideas

best passive income ideas - make money while sleeping

Passive income can be defined as “income that requires little to no effort to earn and maintain…”

Do not be confused, it’s not easy! There is more effort on the front end, but less on back end.

Initially, it will take a lot of hard work, dedication, and commitment on your part. It will mean sacrificing television, video games, or other leisure activities. I will promise you, however, after you have worked your butt off to create your very first passive income stream that pumps money into your bank account 24/7, you will be hooked.

As a successful entrepreneur I have multiple sources of passive income coming in 24 hours a day 7 days a week! Even if I am spending time with loved ones, surfing, traveling, or sleeping, I am still generating passive income.

That is true financial security, no stress!

In general, income is derived from business, real estate, and the stock market. Passive income is merely utilizing one of these sources to employ a certain strategy that makes it passive in nature.

In business you can build an online marketing business using the power of Google and the world wide web. By choosing a niche, building a website, and attracting visitors, you can build a passive income stream through affiliate marketing.

Learn more about affiliate marketing Click Here

With real estate you can negotiate a long-term lease with 4+ bedroom single family home and sublet individual bedrooms to traveling professionals on Airbnb. This strategy provides a low barrier entry to control a property, design an automated business system, and build a passive income stream through Airbnb arbitrage.

Through the stock market you can invest and trade an industry, country, commodity, etc. in which you are bullish or bearish. With stocks, ETF’s, reverse ETF’s, leveraged ETF’s, and options you can build a passive income stream by investing in the financial markets.

The Future of Business

If the thought of building passive income streams brings forth excitement this article is for you -Start thinking outside of the box!

Today, we are in the Information Age, where information is leveraged by technology and inexpensive resources like silicon that produce wealth. The price of getting wealthy has substantially decreased allowing a new class of super-rich.

In classrooms across the world the internet is readily available, and technology is second nature to most kids. For the first time in history, people can access information and learn about anything regardless of sex, race, religion, socio-economic status, and even geographic location. Information is free and abundant.

The world wide web has opened the door to endless opportunities, especially in business.

With the simple click of a mouse millions of dollars can be moved from one end of the world to the other, while delivery of anything can be made to your doorsteps the very next day.

Thus, it makes sense to align your business with the innovation of these internet technologies – Building an online business is the easy way to do this!

Building an Online Business through Affiliate Marketing

There are many different ways to build an online business, but let me give you a quick tip – Affiliate marketing is the easiest, hands down!

Affiliate marketing is a form of internet marketing in which you get paid a commission for driving buyers to a certain seller’s website to purchase a specific item. It may sound complicated, but it’s really simple.

Choose a niche market, build a website, attract visitors, and earn revenue!

best passive income ideas - affiliate marketing

Today, I choose educate myself with financial education that teaches me how to do things such as build an affiliate marketing business. I literally knew nothing about affiliate marketing and have successfully built a passive income stream using a company called Wealthy Affiliate.

If you have no experience in online marketing, building a website, or creating content do not worry. Wealthy Affiliate will walk you through the entire process and explain it to you as a novice beginner. If you are intermediate level to expert range, you will also find this website extremely useful.

Learn more about Wealthy Affiliate Click Here

In conclusion, 2020 was an extremely rough year in which we will all remember, but I do not think we have gotten through free and clear. In fact, I see more choppiness ahead.

But as rational human beings we have choices. As we move into 2021, make the choice to make this a new year of less stress by securing your finances.

Building a passive income stream through affiliate marketing would be a great start.

If you have found this article helpful please leave comments below and/or share on social media.

If you are interested in subscribing to Digital Investor Click Here

To your passive income lifestyle,

Justin Ash, Founder/ Member

Digital Investor

The Best Passive Income Ideas in 2021 - Signature

Now It’s A Time For A Change To Creative Thinking

Now It’s A Time For A Change - Featured Image

In 1899 a man named Charles H. Baker built the first underground hydroelectric power plant just at the bottom of Snoqualmie Falls in Washington State.

Unemployed and ravaged by the Panic of 1893, Baker, an engineer for the Seattle Lake Shore and Eastern Railways, wanted to exploit the drop in elevation of the falls for the purpose of producing energy. During these very tough economic times he managed to build the first completely underground hydroelectric power plant in the world.

Harnessing the velocity of the elevation drop and water current to produce electricity!

Such a novel concept! Such a triumph against all odds!

I cannot help but notice the parallels between Baker’s thinking of the past, and the Digital Investor ethos of today because now it’s a time for a change to creative thinking.

Thinking creatively and thinking outside of the box has a history of repeated success, that is a fact.


During the 1870’s – 1880’s the United States had undergone a vast economic growth and expansion due to higher than normal commodity prices.

However, as with every economic boom there is always an economic bust. Thus, economic problems began to present themselves.

now it's a time for a change

The Argentina wheat crop failure and coup in Buenos Aires abruptly ended any further investment in this market due to a crash in wheat prices.

Speculations in real estate collapsed in South Africa and Australia.

Uncertain about the future, European investors began a run on gold that was stored with the U.S. Treasury.

The result of the panic was shockingly unprecedented and would yield serious economic consequences.

Prices in the stock market declined.

500 banks were permanently closed.

15,000 businesses were shut down, never to open their doors again.

The unemployment rate hit as high as 43% in Michigan, 35% in New York, and 25% in Pennsylvania. 

The Panic of 1893 had caused a full-blown economic crisis within the United States of America and citizens had grown increasingly doubtful of any type of recovery.


During his employment years as an engineer, Charles H. Baker would routinely pass by Snoqualmie Falls. He imagined If there was a way to utilize the raw energy of the drop in elevation that the falls produced and he set out on a mission to expose it. 

When Baker lost his employment because of the Panic of 1893, he pitched the idea to his father, William T. Baker, to acquire the falls and surrounding lands.

Although the project may have seemed to be cumbersome, it proved to be rather simple to a highly skilled engineer such as Charles H. Baker.

First, a cofferdam intake was built to seal off the left bank of the falls to be used to block the water intake. Heavy-duty steam-powered drills were used to bore a vertical shaft from the intake to the cavern. A horizontal tunnel was also constructed which met the vertical shaft at the cavern.

The water from this shafting system was fed into four large Pelton turbines with 1.5 MW Westinghouse generators. One single generator produced enough energy to power several city blocks.  

The generators were online and began to transmit power to both Tacoma and Seattle by July 31, 1899.


In 1903 the Seattle Electric acquired Snoqualmie Falls Power Company. That same year Charles H. Baker’s lost his stake in the deal when his father William died, and he experienced financial difficulties.

It was the end of the road for Charles H. Baker, but not the end of the road for his idea.

By 1957 a second plant had been fully operational and upgraded to include a penstock system which flowed to three additional Francis-turbine generators.

In 2013 the plant and surrounding land were both upgraded and renovated to produce 54 megawatts of energy and promote recreational tourism with the Snoqualmie-Baker area. The hydroelectric power plant now has the generating capacity to power approximately 35,000+ homes.

After several business consolidations, Seattle Electric Company became Puget Sound Energy which now has full control of plant and generates approximately 32% of their energy through various hydroelectric sources.

Hard to believe that the succession of such a project began with one man’s willingness to simply change his thinking.


it's a time for a change - jobs

In March 2020, President Trump was touting the “best economy ever” and “record-low unemployment” when it was hovering around 3.5%.  By April, the US has lost over 20.5 million jobs. The preceding 10 years jobs market had expanded by roughly 20.2 million jobs. 

More than a decade of job gains erased in the month of April.

Last Thursday the Department of Labor announced the latest U.S. initial jobless claims at a whopping 860,000 per week. Although new jobless claims are well below the March anomaly of 7,000,000 per week, they remain to be historically higher than the pre-pandemic levels of 200,000 per week.

On Friday the official unemployment rate stood at a whopping 8.4%. The US has not seen unemployment rates this high since The Great Depression in 1939.

Now, I understand, nobody could have forecasted a global pandemic of this proportion. And, it’s truly sad seeing the number of infected and deaths mounting around the world. In addition, many will be returning to work once the quarantine is lifted and stay-at-home orders are relinquished.

But, many will not. 

There are many businesses that are closing their doors permanently and I don’t think life will be returning to normal in the foreseeable future.  We are living during unprecedented times, in which, I genuinely believe that any scenario is possible.


Just the same as Charles H. Baker changed in the past, now it’s a time for a change for many.

There are innovative ways for you to prepare yourself, regardless of any economic condition. And they make sense regardless of any type of outcome.

Through mastering the areas of education, finance, simulation, income, and travel you can turn innovative ideas into real-life examples, just like Charles H. Baker. The creation of passive income with an online business is very powerful.

In fact, I highly suggest building an affiliate marketing business. I used a platform Wealthy Affiliate to build a high traffic website in less than one year without knowing anything about the space before I started.

Change to creative thinking – Here’s the exact affiliate marketing training I purchased Click Here

If you have found this article helpful please leave a comment and/or share on social media.

If you are interested in subscribing to Digital Investor Click Here

To your passive income lifestyle.

Justin Ash, Founder/ Member

Digital Investor

Now It’s A Time For A Change To Creative Thinking - Signature