Passive income has exactly two engines: capital that yields, and work you did once that keeps selling.

A portfolio yielding 4 percent needs about 150,000 behind it to pay you 500 a month.

Getting to that 150,000 by saving 500 a month takes roughly 14 years, which is the part nobody advertises.

The FTC says an earnings claim like up to 10,000 a month must come with written proof, and up to is not a loophole.

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