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.

Why more people are trading the 9-5 grind to earn an income online than ever before.

It’s simple really, who wouldn’t want to stay “goodbye” to the 9-5 grind, the long and painful commute to and from work to a job that’s not fulfilling and replace that with hours of your choice whilst working from where ever the hell you like on something that you’re passionate about?

Earning an income from your laptop is certainly an attractive idea, and advances in technology have made it much easier for the average person to start their own online business, seriously, just google “best ways to make money online” and you’ll find a plethora of ideas, here are just a few.

  • Affiliate marketing.
  • Content creator.
  • Social media manager.
  • trading bonds or stock.
  • Amazon FBA.
  • Blogger, YouTuber, Vlogger.
  • Freelancer in the “Gig” economy through sites like Fiverr, UpWork or other similar sites where Artists, designers, copywriters, musicians and just about anyone can offer their skills for short contract work from their laptop.

These days you don’t even have to be that great with computers! I know of a 12-year-old who makes more money than most doctors because he started a youtube channel cutting things in half for crying out loud! yes, you’ve probably seen some of his videos. That said there are a few things that you should know before you quit your day job and dive into the world of making money online.

Lol, I’m not actually in my bed, I’m in a hotel lobby in a cute village called Beddgelert in Wales, this is me right now.

Now before you go on I want to be 100% transparent, the links in this post are affiliate links. This means that if you buy anything from those links, I’ll earn a small commission at no extra cost to you. I only link to stuff I’ve actually used and never endorse crap. I’m more than happy to help you learn how to do this yourself and of course, your support helps me keep the site going and to continue writing useful content from the comfort of my bed 😉

1. It’s not easy, especially in the beginning.

Beware of anyone telling you otherwise. It took me 6 months of invested time and money to learn how to earn my first dollar online, so if you’re looking for a get rich quick scheme, chances are you are going to find a “get ripped off quick” scheme.

For me, it was the idea of geographical freedom that kept me going!

If you’re not willing to put that effort in, I honestly suggest you stick to your 9-5, however like anything that you invest time and effort into, it does get easier with time, you just need to make sure your reason is strong enough to get momentum going, for some people that might be to get out of the rat race or simply being their own boss and living life on their own terms!

Either way, once you’ve mastered the skills, the content you put out there is working for you 24/7 all over the world, for example, this blog, once uploaded it’s there forever, and as long as people see value in what you post about and continue to purchase products through the links you share, you can literally earn money whilst you sleep, and from anywhere in the world!

2. Beware of scams!.

Some are pretty obvious but you would be surprised how convincing some of these scams can be, so how do you know which is a legitimate opportunity and which is a scam?

  1. Don’t fall for fear of loss trick- A common technique used to scare you into action is what’s called “fear of loss”, basically the idea is to give you the impression that if you don’t act there and then, you’ll “miss out on this amazing opportunity”. If an opportunity really is that good, they should be able to inspire you to act, not give you the impression that it’s now or never. If they don’t give you enough time to do a quick google search to find out what others have said about the company/product or opportunity then the chances are it isn’t worth doing anyway or, it’s simply a scam.
  2. Do your due diligence. –One skill that everyone needs to get good at in this day and age is fact-checking, it isn’t hard, we have all the information we need literally at our fingertips. Before you buy into anything, simply do a bit of googling.
  3. Use your common sense – It is worth noting that people do put bad reviews on good products, so read between the lines and, you will find enough information to use your own judgment and at least make a more rounded, less emotional, educated decision. Here are a few reasons why a bad review might be on a good product-
  • A competitor trying to unfairly tarnish the product, this will often be followed up with them adding a link to “a real opportunity”.
  • Someone hoping it was going to make them rich with little effort.
  • They aren’t the sharpest tool in the shed. You can often tell by the way they speak.

“If something seems too good to be true then chances are it is

3. Great opportunities do exist.

To some people the idea of being able to make money whilst you sleep or from your laptop from the comfort of… where ever the hell you like, may seem too good to be true, but I assure you it’s not. like I mentioned earlier, if you click on links in blogs or content that I create, not always but often I may have an affiliate agreement with those sites, meaning if you buy something from them, they will pay me a small commission for anything that you buy at no extra cost to you, yes, even if I’m asleep.

For example, ever shopped on Amazon or eBay? I’m guessing yes, now;

a) You can go directly to Amazon, purchase something and let’s say it costs you $50, Amazon will charge the product provider a cut for selling the item on their platform and for fulfilling the order or;

b) You might click on a link through a youtube channel or a blog like this one doing a review on that product and buy the same thing, still only pay $50, Amazon will still charge the same fee to the product provider, however the person who did the review or blog (like me) that directed you to the Amazon or eBay page will automatically receive a small commission out of the fee Amazons charged the supplier.

Pretty cool hey? In essence, it’s just one form of online marketing and sales.

On that note, if you like what I’ve just taught you, and have been thinking about buying something on Amazon or eBay, maybe some electronics or something for your kitchen? if you go through one of my links here, it’s the best way you can thank me 😉 cheeky I know, but hey, it comes out of Amazon’s pocket not yours, and you’re helping me to continue creating useful content and live the dream! just being honest 🙂

Watch out for the “Cookies” monster

One last thing, you may notice that once you start researching this topic, all of a sudden you will start seeing ads for similar or related opportunities being advertised all over your social media or computer screen, this is due to the “cookies” which are messages that web servers pass to your web browser when you search or visit Internet sites meaning companies AND SCAMMERS will know when you are looking for “ways to make money online“, so remember what I’ve told you, be vigilant have fun and come join the digital economy movement.

With Peace, Love, and Purpose

Tom Wright

Of course, if you wish to get in touch, I’m a real person and am always open to chat, you can DM me on my personal page here