The smartest investment you can make in 2020.

We all want to live a wealthy life or at least a significantly comfortable one right? Yet most people these days are stuck in older generation ways of thinking, and without realizing it they are shooting their present and their future in the foot!

Learning to make money online is possibly one of the smartest investments you can make in today’s digital world and I will get into why further down, but let’s start by addressing some of the most common investment mistakes the average person makes today and why.

The 4 most common investment mistakes that people make today.

  1. Go to university, get a degree,
  2. Get a job for a stable company, be loyal,
  3. Get a mortgage,
  4. Work hard, save 10% of your wages in a high-interest bank account.

Do all of this and you should be able to retire comfortably and self-funded right? Not necessarily.

 Let me explain

  1. Go to university, get a degree,

Don’t get me wrong, I am all for education, however, according to CNBC news, statistics in the USA show that well over 40% of the people that graduate with a degree, either end up not using it or in a job that doesn’t even require a degree anyway.

According to the Federal Reserve Bank of New York, outstanding student loan debt in the United States lies between $902 Billion and $1 Trillion with around $864 Billion in Federal student loan debt, and this is a common trend all over the world.

In other words, half of the people that go to Uni thinking it’s the smart and safe option for a secure future, end up not only struggling to get into the workforce but they also have a massive debt that they need to pay off.

I’m not saying these people completely wasted their time, however, I do believe that in most cases, it could have been spent better. 

2) Get a job for a stable company, be loyal,

Long are gone the days of employer-employee loyalty, I hate to say it but for many businesses, to survive in the competitive ever faster-changing markets, it often means “trimming the garden” on a regular basis.

In fact, studies show that companies all over the world are starting to see the value of contracting people from the “gig economy” over traditional employment roles, meaning traditional “job security” is becoming even less secure for those who don’t learn how to adapt and upskill to provide skillsets for the digital world.

You don’t want to be the 50-year old that has only ever worked one role for 30 years only to be laid off and not have any new relevant skills to help you get back into a decent paying job.

3) Get a mortgage,

Now as an investor in land myself this might sound hypocritical but I use my land to create an income stream that not only pays for the mortgage,  but also the maintenance, and even improvements of the property, what any savvy property investors would call a cashflow positive investment. 

A common mistake Australians make is thinking that “Negative gearing” is a smart investment strategy because of the tax benefits that they can claim against their income tax, which is complete stupidity. Aside from it still being a loss, what happens if you lose your job and don’t have an income to claim the tax benefits against? Let alone pay the mortgage repayments.

If you are going to take out a mortgage make sure you educate yourself first.

Often new homeowners are so excited by the “possibilities” that they take out the biggest loan they can get at the time based on the wage they are currently getting with high hopes that the property value will go up and everyone will live happily ever after, they don’t consider what would happen if they were to

a) lose their job because of the previously mentioned, unloyal business world that we live in or

b) Something like what we are seeing right now with Covid-19  happens and the world economy takes a nose dive meaning the value of the land may very well fall below the mortgage value meaning potentially massive loses very quickly.

It’s estimated that on average you will see at least 1 to 2 crashes in the economy within a lifetime yet the word mortgage is derived from a Law French term used in Britain in the Middle Ages meaning “death pledge” and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.

Mortgages are a long term commitment and shit happens, just ask our good friend Corona.

Again, I’m not saying getting a mortgage is a mistake, but doing it wrong definitely is.

4) Work hard, save 10% of your wages in a high-interest bank account.


Taking into account all 4 mistakes mentioned above, we are literally told to sacrifice the best years of our lives in the hope of a comfortable retirement and this is still considered to many as the “safe” option, or at least our parents still believe it to be.

This couldn’t be further from the truth, you see, this belief stems from an age where banks would give you anywhere between 10-15% interest on the money you put away in a savings account, (Historical CD Interest rates 1984-2020) which meant over your working life, with the interest and savings compounding you actually could save a significant amount of money in your bank account by retirement and then likely live off the interest in your old age.

Fast forward to today and you are lucky to get 2%, on your money in the bank, In fact, as of late January, the average 1-year CD pays just 0.76 percent APY, according to Bankrate’s most recent national survey of banks and thrifts.

But 0.76% is still better than nothing right? WRONG!!!!

What most people don’t realize is that the current inflation rate is sitting at around 1.5% meaning that by saving money in the bank, it is technically losing value meaning, 

By saving money, you are losing money!

A large portion of society is starting to realize that we don’t live in the same age as our parents or grandparents so the same rules don’t apply.

Thanks to the internet and exponential growth in technology, times have changed dramatically, yet although we now spend most of our time and money online, for some reason most people still find it hard to believe that they can make a decent income on the internet, which would also give them the freedom to work from literally anywhere, as long as they have a laptop, smartphone, and an internet connection.

It’s just logical

From a business owner’s point of view.

The truth is, a lot of office tasks these days are done on a computer anyway, so why pay for a manager, staff, office space, and all the other overheads if you can get what you need to be done, on a task by task contractual basis with lower overheads and fewer liabilities?

From a worker’s point of view.

Why should you have to travel to and from a set location, costing you more time and money than it would if you have every ability to complete the task at hand from your computer at home?

It’s my mission and job to show you that there is a better way and that it’s probably a lot simpler than you think, you just need to open your mind and get out of your comfort zone.

I won’t promise that the transition will be easy, for some maybe but neither is paying tens or even hundreds of thousands of dollars over 4+ years to get a degree that you have a high chance of not using anyway!

Ask yourself these questions

If you could simply replace your current income and be able to do so from absolutely anywhere in the world, without having to organize international work visas, without having a boss telling you what to do, and without even having set time tables as long as you get the work done, what would that mean to the quality of your life?

What would you be willing to do? Would you go to uni for 4 years and pay thousands? The good news is you don’t have to.

You probably already have most of the skills you need.

In today’s digital world, developing skill sets that allow you to provide any kind of value online, is one of the smartest investments you can make, but in most cases, you probably already have the skills you need to earn a decent income online, all you lack is the right vehicle (business model or strategy) and some guidance.

Maybe you’re like I was just a few years ago and you’re a bit of a technophobe? No worries.

“If the goal is big and important enough, you’ll be able to see past the challenges standing in your way”

Some people are content with the typical 9-5 job, and there is nothing wrong with that but, If you’ve always wanted something more, or if you’ve ever run or plan to run a business, you must understand the importance of having an online presence, and in today’s digital world, even more so than ever!

How can you learn to adapt to the changing climate?

I (Tom Wright) am passionate about helping others who like myself do not wish to be tied down by the status quo and want to live life on their own terms, I believe you get what you give and the best way to learn is by teaching others.

For more free tips, and practical advice as to how you can improve your lifestyle, create more time, money, and geographical freedom, Subscribe to my Youtube channel,  follow me on Facebook, or registering your details on the website. 

And of course please feel free to direct message me and let’s have a genuine no BS chat about what opportunities are out there.

Thanks for your time and please share this with anyone you feel may benefit from it.

10 fulfilling Lifestyle jobs that allow you to travel the world.

It’s astonishing how many people will put up with a job they don’t like, to only just cover expenses in a lifestyle they’re not thrilled about either.

Too often we ignore our inner child and sacrifice our happiness for a “healthy” paycheque. Considering it’s been proven that happier people live longer and that we spend on average 1/3 of our life at work, most of which whilst we are fit and healthy, it just makes so much more sense to put job satisfaction before income.

If it came down to it I’d rather just get by, besides the ones I love, doing things I love, in places I’d rather be or preferably all three together, that’s said, with a bit of hard work, the right planning and advice, you don’t have to give up the healthy paycheque either.

Over the years I’ve learned to live quite comfortably and even make great money as you travel, all you need is a bit of courage, effort and a pocket full of knowledge, yes your smartphone will do 😉

There are a bunch of amazing lifestyle jobs that allow you to travel and enjoy the world before you’re too old, below you have 10, I personally have done more than half of these “jobs” and loved all of them, the others I have also investigated or have close friends or family that chose these lifestyles, love life and travel a lot, I will save my personal favorite until #10. Please feel free to get in touch or leave comments if you know any other great options that may be useful for other readers. Enjoy!

1 – Cruise Ships

Working on cruise ships has a reputation for being one of the more fun travel job lifestyles. Apart from getting paid to work in a holiday environment whilst you cruise around the world, you’ll often get time at each port to explore.
  • Cruise ships have pretty much every type of service onboard meaning they hire everything from the crew, labor work to hairdressers, entertainment, hospitality and much more.
  • A simple search for “cruise ship jobs” and you’ll be able to find a company that works from your home country and everything you need to get started.

2 – Yacht Crew

I prefer something a little more personal like the beautiful french schooner yacht that I just spent five weeks on in the Mediterranean. Sure you get the odd a’hole but from my experience, you have to be a little crazy, cool and generally good with money to own a boat, the kind of people I like to hang out with and learn from.
  • There are sites you can create a profile, where boat owners who need crew are looking for people who they might get along with and want to share their pride and joy (boat) with.
  • Once sailing around you often meet other interesting people with boats that you can connect with so, It does get easier once you get in the scene.
  • You may already know someone who knows someone with a boat but otherwise put some love into your profiles online. Below you have a few places you can start.
  • https://www.findacrew.net
  • https://www.crewseekers.net/
  • Another effective tactic is just going down to your local marina and asking around, show your character and show your keen, meeting in person always has more impact.

3 – Airline Industry

There are various airline jobs from the pilot, air hosts to handling luggage and more. Apart from some providing a decent income, it does come with obvious travel perks like cheap or free flights, not just for yourself but often your loved ones. I have flown various times for 10% of the actual flight cost simply because I have a close connection with someone who works for an airline.
  • Becoming a Pilot obviously requires a decent amount of discipline and investment of your time and money but the pay and perks reflect the investment.
  • There are a number of pros and cons with becoming an air host, here is an article that you might find interesting if you want to consider this as the job you’d like to go for.
  • Airline jobs that come with the travel perks aren’t only limited to the jobs just mentioned but these two positions certainly provide more travel as you work.

4 – Volunteer

When working overseas you will often require a working visa, however, in most countries volunteering for board and food is not only satisfying but a legal loophole, for example, in general, it is allowed to volunteer in the US when you are there on a B1 or B2 visa, or on visa waiver program, and for most other visas that do not permit paid employment. However there are some restrictions, and it is best to check them out. Volunteering at hostels, tour companies, foundations or farms for a few months at a time, can not only be fun but fulfilling and often means you really get to know a place, people and culture better.

5 – English Exchange

If your native tongue is English then you are in luck, English is widely used all over the world and non English speakers will happily trade everything from board and food to full-time pay, believe it or not but wealthy people will let you live with them all expenses paid in exchange that you speak to their children in English a few hours a day, leaving the rest of the day for exploring the area.
  • A certification to teach English like TEFL (Teach English to Foreign Language) will help open opportunities but isn’t always necessary.
  • https://www.diverbo.com/ is a good example of a site that will connect you with opportunities but just try googling “Native English Exchange” for the area you are interested in visiting.
  • https://culturegogo.com/ is a great site that allows you to exchange English for food and board.

6 – Tourist Guide

I did this professionally for about 3 years in Colombia (that’s me in the bottom left-hand corner) and although I wasn’t earning amazing money, the time I spent as a guide was some of best years of my life so feel free to get in touch with me for more info. I have some great contacts in Colombia within the adventure tourism industry, particularly around scuba diving, white water rafting, rock climbing, and mountain bike guiding but also if you want to volunteer in any hostels, a lot of hostels will even have their own products that they need English speaking guides for.
  • Having certifications that back up your experience will always get you more jobs but I got my first guiding job just simply by being confident with people, bikes and having my first aid certificate and then grew from there.
  • You can get pretty serious with guiding and make serious money along with it, but it really isn’t about the money for most guides, I have some friends that do it full time, but I also have friends that volunteer in adventure tour companies all over the world in exchange for board, food, a great time doing activities they love plus the occasional tips.

7 – Snowfields/Ski resort work

If you’re a keen snowboarder or skier, would like to be or love a good party culture, then the snow resort lifestyle is hilariously fun. I have a few close friends who now follow the snow seasons around the world full time and they absolutely love bouncing between the northern and southern hemisphere.
  • You don’t need to be a ski instructor to enjoy the slopes, one of my mates works as a Chef, follows the seasons and just snowboards in his time off, he gets paid well enough to keep bouncing from one side of the planet to another and gets staff discounts off everything from accommodation, food and lift passes.
  • You will almost definitely need a working visa to work in snowfields around the world, so it’s worth noting that in most places that become hard once you turn 30.
  • Here is a good article if you’re interested in looking into snow resort work https://www.snowseasoncentral.com/10-steps-to-finding-a-ski-resort-job

8 – Dive Instructor

The underwater world is a stunning and fascinating place and you can make good money as a professional diver, especially if you specialize in certain areas, it does require a lot of investing both time and money first, but aside from some of the theory, it’s an extremely fun qualification to obtain, and if it means you can travel to beautiful places all over the world guiding or teaching people how to dive…. well you can understand why it’s a popular lifestyle career. (Me on the left)
  • It depends on where you are and how long you intend to stay but you don’t always need visas to get work diving but you will need to be certified and have some experienced at least.
  • Feel free to get in touch as I have a few connections around the world with diving schools and shops
  • here’s one site that dive shops will post job positions on https://divezone.net/jobs
  • and a good article about what it takes and what it’s like traveling the world as a dive instructor https://www.aroundtheworldin80jobs.com/scuba-instructor-in-utila/

9 – Musician or Performer

Like my brother, Simon Wright, (above) you may have a gift for entertainment, if this is the case then the opportunities to travel are only as small as your imagination, apart from the obvious option to busk in the streets which you can pretty much fall back on in most parts of the world, with a bit of know-how, like my brother you can set up paid gigs around the world and only busk in between if you really want to or have to for extra cash.
  • You don’t have to be an amazing musician/artist to get started, whilst I was in Florida USA, short on cash I knew a few songs well enough on guitar to play them on repeat as people walked past on the boulevard, I made about $40 US in 2 hours, which doesn’t sound like much but you can definitely get by on $40 US a day.
  • Busking is a great way to improve your music as you travel and once you’re a more weathered entertainer, you can also start to book paid gigs.
  • Cruise ships often pay well for in house entertainers, the work is regular and comes with perks of food, accommodation and of course travel. This isn’t limited to just music, maybe you’re a dancer or magician.
  • Here’s a great article about how my brother has been traveling the world for 1500 days straight on his #looptheworld tour, all paid for by his music and how he gets gigs along the way. HOW TO GET GIGS ON THE ROAD (By Simon Wright)

10 – Online Income

I have done a lot of the lifestyles/”Jobs” on the list above, but everything has eventually led me to the desire to want to earn directly from my computer, as this is what I consider true geographical freedom.

The idea of being able to earn a great income from anywhere in the world or be with my loved ones when I want or when they need me was more than enough motivation to overcome my terrible computer skills and figure out how I could make an income with just a laptop and wifi signal.

How? Turns out in today’s ever-growing digital world there are plenty of ways, and the good news is that with a bit of discipline, as long as you can self motivate and follow simple instructions, then you don’t need to be a tech nerd anymore to make good money online. I literally taught myself to touch-type just a few years ago, why now? because geographical freedom aside, the truth is that online business is the future and I know it.

If you’d like to learn how to build a profitable online business from scratch and turn your skills or passions into an online income stream so that you too can start building a future with geographical freedom then feel free to get in touch or click here for more info.

Follow my journey from the 9-5 grind to geographical freedom with tips and advice along the way on Facebook and or Instagram.

Feel like this article might inspire someone that you know who isn’t happy in their current job and needs a change in direction? one way you can help me to continue investigating and writing useful content is by sharing and liking this article on your social media networks.

Until next time, be good to yourself and each other.

Tom Wright