Hey there,

Let’s talk about financial freedom, because a lot of people talk about it... but very few people actually build it.

Most people say they want passive income because they want to work less and earn more.

Fair enough.

But the reality is that passive income isn’t about working less. It’s about setting things up right.

Passive income simply means that...
You earn money without having to be there every minute.
And if you do work, you work by choice, not by pressure.

There are only two ways to make this happen:

1) Money working for you
2) A business working for you

If you want real freedom, eventually you want both.

Let’s start with money working for you.

This part is not complicated, but it does require discipline.

You must save money. Period.
If you don’t save, you can’t invest.
If you can’t invest, money can’t work for you.

That’s why I teach putting at least 10% of your income aside specifically for investing.

Now, investing doesn’t mean gambling.
It means people pay you for the use of your money.

There are plenty of vehicles like stocks, real estate, businesses, funds, currencies, and more. You don’t need to do them all.
You need to choose one that fits you.

Here’s a simple filter for this:

• Pick something that feels interesting to you

• Make sure it has a reasonable chance of working

• Either get good at it or let a professional manage it

If you’re doing it yourself and you don’t know what you’re doing, you’re not investing, you’re donating.

I like a balance.

Split that investment money into two parts:

• One part stays safe and stable

• One part takes a calculated risk

If you’re young and starting small, that’s fine. Even $100 teaches the habit.
If your "safe" money isn’t earning around 5%, something’s off. That’s the low end.

Now let’s talk about the second path.

A business working for you.

This is where most people miss the point.

A business that needs you 10 hours a day forever is not freedom. It’s just another job... with more headaches.

A passive-income business is built once, then maintained occasionally.

Books with royalties.
Online systems.
Licensing intellectual property.
Businesses with teams and processes.

My book Secrets of the Millionaire Mind came out years ago, and it still sends checks. That’s not luck. That’s leverage.

Here’s a good test for this…

If your business can’t mostly run without you in three years, it’s not set up for freedom yet.

That doesn’t mean you do nothing.
It means you do a lot upfront, so you can do a lot less later.

That’s how freedom is built.

Not wishing.
Not hoping.
Not waiting.

Systems. Habits. Structure.

Build money that works.
Build systems that work.
And eventually... you don’t have to.

To your success,

T. Harv Eker

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