The Best Ways To Turn Your Money Into Passive Income

I often come across students with a chunk of savings who want to know the best way to turn that around into a passive income stream.
In our terminology we’d call that the FFA: the Financial Freedom Account. In that sense, it almost doesn’t matter what you do with a chunk of savings like that as long as it’s money that’s going to work for you.
If you know that your book publishing is going to be a passive income structure, then go ahead and use it. If you know you’re going to open up a business that’s going to be systematized and leveraged eventually, and you’re going to have passive income coming from there, go for it.
If you can create a situation where you’re investing and that works, then use some of it there. Anything you can do that creates financial freedom through passive income or capitalized investment income is fine.
Now let’s get to the longer part of the story here. People lose money and make money in all kinds of investing, whether in a business, stocks, real estate, etc. Everyone is different.
There’s no system of investing that will work for everyone. Why? In my experience, people are the ones who screw up the system–it’s not the system that’s so bad.
A lot of people lose money in the system because a lot of people have terrible ways of thinking around money. They sabotage themselves and don’t follow the system.
Eighty percent of people in business lose everything. Is it the business or them? It’s them. Eighty percent of people who do anything fail at it. Is it the thing or them? It’s them.
So the answer is decide on something you want to get good at.
Here’s how you decide on how to turn your money into passive income:
1. Are other people doing well? The only way to know if a system works is if its developers are making money. If there are some people making money with it, then it works. “Yes, but it’s not the majority.” That’s right. If you notice, the majority is broke.
2. Does it resonate with you? What do you feel? If you don’t want to invest in stocks, don’t do it. My investment in stocks themselves is minimal in comparison to other investments that I’ve done.
Why? I’m just not the biggest fan of stocks. Some people love ’em. I just don’t have time to do a system, run it properly and all that. I have other favorite investments that resonate with me. They’re not for everybody.
Let me give you one investment that I like that you might hate: real estate. First of all, it’s generally not as manipulated as the stock market. Manipulated means these massive companies manipulating stock prices based on whether they’re buying or selling.
I’m not saying they’re bad or good, but some of these big companies will tell all their brokers around the world to sell XYZ stock today, and they all do. Then when it’s down, they buy it.
I don’t like that whole game. I’m not saying everybody does it. Can you still make money with stocks? Absolutely you can. A lot of people do, but I like real estate.
I like real estate because first of all, I can touch it. Second, I like looking at it. Third, over the long run it will always go up. It’s a passive income structure if you buy it for positive cash flow right from the very beginning.
You say, “I don’t have a lot of money for that.” Learn how to buy positive cash flow real estate. Then learn how to buy it with very little of your own money.
The key word here is LEARN. You can learn anything and a lot of times you can learn enough for free or next to nothing.
So LEARN real estate. It’s not that hard.
LEARN stock systems. Find one’s that people do well with.
LEARN how to systemize your business.
A journey of a thousand miles starts with ONE STEP. Learning for most is the first one.
What are your thoughts and experiences with investments? If you want to invest but don’t, what holds you back?
While these sharings aren’t intended as sound investing advice, there’s a lot we can learn from each other that can perhaps guide us along our collective journey to greater financial freedom. We want to hear from you!
On September 15th, we held a T. Harv Eker Signature Class:
“Zero To MultiMillionaire: The Ultimate Business Success Formula”
If you didn’t make it to the event, click here to watch the replay.
For Your Freedom,







Thanks Harv.
I did not have such a good experience with Real estate. Lot of work and hassles with tenants n letting! You know of a betterway, do share.
And yes, I have bought the course/s last night. And am looking forward to learning/applying it. I would like to get really bright ideas on getting/running a systemised business. I am a Medical holistic practitioner and do not wish to be just doing one-to-one anymore. Would like a change of direction which is lucrative.
Thanks
I so agree with you. I rely on one to one business & after listening to you Harv, I realised you’re right! I am in a job, albeit a job I love, but it’s still a job.
I think the key to figuring out which methods works best for you is getting to know yourself very well. Take a personality test online and learn about your strengths and weaknesses. That’ll give you a pretty good idea as to why what works for Harv for example won’t necessarily work for you. It will also give you an insight to what you’re ideal vehicle could be for passive income. You’re most likely to succeed in something you’re good at not what seems to be making people money at the moment
Passive income is the best path to financial freedom. This actually resonates with me. I have just perfected saving system. A.d this is coming g at the right time. Thanks so much.
As an amateur film composer I can say that a lot of people in this field are well off because of the royalties (along with the work itself). Do you have any advice for passive income from royalties in the music industry?
You transform life’s thank you
Thank you Harv for the wonderful Zero to Multi Millionaire Webinar yesterday, It felt so good to reconnect with my learnings from the MMI with you.
FFA & Passive Income was a new linkage as mentioned in your lesson this week. Identifying sound passive income structures is my focus right now. Thanks a ton for all your insight.
I watched your webinar and it’s making a lot of sense to me and even based on what you said of your expierence. It made smarter and stronger than ever when it comes to money and fiances.
Thank you, Harv, for this article and especially for the Zero to Multimillionaire course. I especially benefitted from the advice to FOCUS. I feel like we now have a good vehicle to start with. Positive cash flow real estate will be the next step after our Financial Freedom account has some time to grow and our new success habits build a solid foundation to support our growth. Thanks again from the bottom of my heart.
I would like go get involved in real estate, what’s stopping me is finding a training course on this
I am heavily invested in rental properties and if you use the best practices, (best product, best service, and best price) business model and do it right (proper screening process, great property management company eventually, reserve account for vacancy and capital expenditures etc..), you should make 10-20% passive tax deferred cash flow alone. If you then 1031 exchange your properties (deferring taxes again), you can grow your cash flow in a matter of 5 years to replace all your W2 earnings and become financially free. Here is the kicker. Hold on to your hat here. You can defer, defer, defer, defer, defer, and die. Then, your kid(s) inherit properties at a stepped up basis and depreciation starts all over again. That is how multigenerational wealth or financial freedom occurs for 70% of the wealthiest people in America. If a lowly paid Catholic School P.E./Reading teacher and part time community college teacher can do this, anybody can. If you change the way you look at things, the things you look at change right before your eyes. The traditional path, get a good job, make money, invest in 401K and depend on social security is leaving America with an average of $65,000 in net worth upon retirement. That is crazy!!
Swanny
I agree 100% with you Swanny. Investing in real estate has been my way to financial freedom also. I also adopt the same model: Best Product, Best Price, Best People. There is a system to running any business, and I love the buy-and-hold game of real estate…and the tax-deferred cash flow created. I am invested heavily in real estate also: middle-income houses and Class-B apartments. Harv has hit it on the head that real estate is an awesome way to build passive income and wealth…Warmest Regards and Happy Investing…Van 🙂
It sounds like you are a real estate master. Are you accepting any students? 🙂 I have seven children, and I would love to have investments that I could leave to them one day. (And also raise our standard of living in the meantime!)
I love your if you change the way you look at things, the things change right before your eyes! So true, and your advise on realestate is solid ….the defer defer i havent looked at …..but we have accidently just gotten into buliding buying new properties and noticed they are out performing older properties we have had for years and thats without depreciation being factored in ….intersting …..
hi swanny,
i am looking for a mentor. Is there a way you might want to connect and see if i am the right fit for you as a mentee? 🙂
I prefered real estate from my start in 1975. I bought a house and a summerhouse. 40 years later they are dobble 10 times and loans payed down. As I always was a saver, my saving account exeed a house no two. But I am single and do not need another house! Taxe rules will take 40-60% of revenue for rent and for earning on sales. Today the bank interest rate are almost zero. What other alternatives should be considered?
Cordial saludo.
He aprendido mucho de todo el material escrito que puedo traducir. Muchas gracias. Anoche en la conferencia de cero a multimillonario, aunque sí asistí, no entendí mucho porque en ese idioma hablan muy rápido. A veces en YouTube ayuda un poco la traducción simultánea, pero este no fue el caso. Gracias de todas maneras. Sin embargo, debo compartir dos temas que me inquietan. El primero es que llevo varios años haciendo redes de multinivel (buscando ese ingreso pasivo) y no me va tan mal… a mis invitados no les va tan bien como se espera tampoco (actualmente desarrollo uno de Club de Compradores y uno de salud y bienestar). El segundo tema es que tengo un cancionero con recopilación de 1.200 canciones hispanoamericanas (en español) de varios géneros musicales, toda música vieja, enfocado en baladas, boleros, latinoamericana, canción social y algunas de Rock and Roll… pero no he encontrado la persona o empresa que me ayude a concretar este proyecto que puede generar también ingresos pasivos. Ahí es dónde necesito guía y ayuda. Hasta una próxima oportunidad. Gracias.
U_are_amazing!!!!!
Thanks_for_nice_ideas!
I am keen to hear ways to start a passive income stream when you have no money or savings. Can anyone share?
Greetings looking for a way to accummulate passive income the answer is LEGALSHIELD
Network Marketing, MLM, Direct Selling, etc. call it what you want, I believe it’s the best way to accelerate your income when you don’t have much of it. I’m not here to pitch my business, but I believe you’ve got to find a product or service that resonates with you. Personal development is key. For things to change, you have to change. Otherwise, you’ll keep getting the same results. Presently, I’m in a MLM business that’s in the medical industry which I love. I paid a minimal start-up fee and a small price for hosting my website and that’s it. Everything else is up to me and my team. We have to get out there and actually work to build this business, but the best thing about it is we only need to do it once and the money continues to flow in. The big difference between traditional business and network marketing is you don’t get to share in the profits. You will always be limited to what you can earn in working for someone else. Last thought, you must invest in yourself. Stop making excuses and LEARN what you need to by taking courses like T Harv Eker. I’m not a representative of his company, but this is what he’s really saying. In order for your situation to change, you must change. Sorry for the rant, but I hope this helps.
That’s right.Without work or unemployed,without anymoney at all!!How do you make passive income streams???anybody tell you how!!always pay before
Thank you so much for the course “Zero to Multimillionaire” last night, it was very inspiring.
I have uninvested savings in the bank not doing anything and would like to invest it wisely to create passive income. Because of the difficult situation in Europe at the moment, I have the feeling that the real estate market in the cities might soon collapse, and that is why perhaps it is better to invest in somenthing in the countryside, although one doesn´t get as much for rents. Would love to learn how to buy real estate with only a little bit of ones own capital. Do you mean borrowing from banks? I am not so sure if to trust banks at the moment now…please advise a good strategy, would love to hear and learn from you! I guess I sounds a bit pessimistic and that is why I am stuck?
Thank You! I’m imprest. The video is extreemly poverfull!
THANKS AGAIN!
Zaiga
Thank you so much, you inspire me every time I read you!
Harv is awesome! Thank you for Zero to Multimillionaire class. We have so much in common. I never felt right just working at a job. I am going to be a MULTIMILLIONAIRE! 🙂
Thanks a million times ERKER I was school principal after learnining that real estate can easily pay me more than my salary;there was no reason to continue with the heache of undiscipline learners of today.
I really enjoyed your zero to multimillionaire seminar. It opened my eyes to a broader view of money , business, and financial freedom. I can’t wait to purchase books you’ve written.
PLEASE SUGGEST ME ANY ONE GOOD BOOK FOR REAL ESTATE INVESTMENT.
The Millionaire Real Estate Investor by Keller/Jenks/Papasan wwwkellerinkcom/mrei this will provide the best foundation.
Hi, Harv! I agree 100% with you about real estate, and for me what I’m doing right now is investing in what’s called land banking. It’s buying vacant land in Southern California that’s been very thoroughly subjected to 16 different factors and then holding it for 7-10 years. Yes, it’s a long term strategy, so I’m using old 401(k) money that my wife has and Roth funds that I have. We currently own 6 properties and even in just 2 years we’ve seen the surrounding land appreciate. Is it guaranteed? Of course not. But for us and our financial situation, age, risk tolerance, etc., it’s the perfect investment.
I have a question… How to be a millionaire if I don’t have money. And I don’t have a job. I had to come back to live with my parents. I can’t go outside my town because I need money. Yes, small money, but I no have job, so I can’t use Buses or so…
So, how can I make a job if I don’t have more than 5$ already?
I wonder The same!!!!with nothing at all how???
Thank you Harv for this wonderful eyeopener webby. Zero to Multimillionaire that is my exact goal. Currently i am doing a MLM biz which is thriving creating a passive income every month after month and its growing steadily. This biz fueled my self-confidence, by providing value to the society around me when i give them what they need to solve a particular serious problem of their life.. i was having thought to invest some of my hard earned cash in Real estate right then your webinar came show me what to do next.. Thanx a lot Mr T. Harv Eker.. i can utilise some of the knowledge you shared..
Great post Harv! Where would you recommend one learn about buying cash flow real estate without using their own money (or as little of it as possible)?
Check out Progressive Property Rob Moore & Mark Homer
so how long is the course (how many hours total) and how long will i have access to it if i buy it?
its super, that topic. thanks.
Thank you everyone
Thanks Harveker for insightful information.It surely helps.I am considering real estate investing. What looks feasible for right now is debt financing and getting the properties to pay for themselves.