40 Brilliant Strategies Millennials Can Use To Afford Life

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It’s the age of information, the internet, political unrest, insane living expenses, and rapid change… and times are constantly changing. Quickly. So fast, in fact, that we have 2 generations worth of new adults, soon to be adults, and children world-wide who live in extreme uncertainty. The common theme… millennial sources of income are lacking and ultimately not enough to fund their lives, even when living a minimalistic lifestyle… let alone provide a millennial disposable income.

There is no doubt millennials have been handed the short stick.

The UK has announced their withdrawal from the EU. The US’s social security program is nearly bankrupt. Governments are in debt up to their eye balls… many are totally submerged in unfathomable amounts of debt. The average start-up business permanently closes their doors after an average 3-5 years. Cost of living is out of control.

Millennials are now stuck asking themselves:

  • Will I have job stability?
  • Will I even be able to get a job that will actually be able to pay my living expenses?
  • Will I be able to keep a job, once that job is acquired?
  • Will I be able to afford to live on the wages I am able to earn?
  • Will I be able to afford future retirement?
  • How will I pay back student loans?
  • Will my country’s society collapse because of the trillions of dollars of debt that my generation will be forced to pay for to afford things of the past my generation had no control over?

Those are all legitimate, unanswerable questions. Times are definitely different for the Millennial generation than endured by previous generations. Today, hard work and a drive to succeed are not the only factors to success. Today, you will likely see an average of 7 different jobs throughout your life, vice your parents and grandparents working for one company for 40 years.

Who is responsible for the Millennial struggle?

Whether you want to blame generations of people before you, the left-wing liberals, or the extreme conservatives, the fact of the matter remains that what has been done is done, and in our global political climate, relief isn’t coming any time soon. There is no going back to change your circumstances. Personally, I blame both sides of government – they all seem to be obsessed with personal gain, which is apparent by the lack of any federal anti-corruption laws and their love of lobbyists’ deep pockets.

Why is this important? Because once you realize that, regardless who is to blame, you can still succeed, life becomes so much more manageable. You can still make something of your life. You still have opportunities available to you that weren’t available to previous generations. Despite all the crazy uncertainty and rising prices, you can still work a satisfying career and earn your freedom.

Do Millennials have any chance at success?

Absolutely! Just like in previous generations, success is not at all guaranteed. It wasn’t for your grandparents, your parents, or your ancestors; and it’s not guaranteed for you either. That doesn’t mean you won’t be successful. That just means you need to work for it, just like they did – just in a different manner.

  • You may not have a company contribute to a 401K
  • You might not have access to a traditional retirement program (or you might not have a retirement program at all, unless you create your own)
  • You might not have job security
  • You might have trouble finding a job that pays enough to cover cost of living

Your personal situation might be completely full of hardships, and you may be feeling on the hook for paying for the older generation’s ideals with money you’ll never make because opportunities they had will never be afforded to you.
HOWEVER, do not let that hold you back from seeking opportunities today that weren’t available to them.

What benefits millennials have that previous generations didn’t:

To sum it up in two words: The internet.

More specifically: the networking abilities that come with the modern internet capabilities.
You have the ability to reach an unprecedented number of people. Put that together with your own personal talents, and you’ve reached any entrepreneur’s dream!

Entrepreneur? YES!! It has never been easier to be your boss. Today you can start your own business for as little as no investment (or only investing time), or as much as a couple million dollars, depending on where your interests are. There is no limit on what you can do and how much you can earn.

Your grandparents didn’t have that opportunity. Your parents might have, but likely overlooked opportunities, or didn’t have the mindset needed. But you. You are in such a unique position. Don’t squander it.

Whether you are passionate about makeup, fashion, traveling, nontoxic living, essential oils, food, jewelry, scrapbooking, other crafts, or pets… you can create your own line of work based on what you enjoy. Whether you enjoy networking with people, or like to hang out solo… you can create your own income flow that no one can take away from you (as long as its legal).

What can Millennials do about it?


Seriously, dream. Every droplet of success originated with a dream. Dream big. That giant dream that scares you to your core – dream it, write out a plan to get there, and go for it!
While your peers are planning their next party, change your life’s circumstances by diving into personal development. Work towards building your dreams by changing your mind set to take responsibility for forging your future.

Millennials have unique opportunities available to them in the age of the internet that previous generations would have never dreamed of having. So before you continue wallowing in the crazy state of the world the older generations have provided to you, understand that your life isn’t over… your life is just beginning… embrace it!

40 Brilliant Ways Millennials Can Earn An Income

There are as many ways to earn an income online and offline as your imagination will allow you to conceive. And they don’t have to involve taking surveys or compromising your privacy by sharing receipts.

1. Millennials may Sell Photography

If you love photography, start by taking pictures, even if you have to start with using your smartphone or borrowing a camera.

There is a huge market for “stock photography” where you can sell your photographic or digital art creations… especially if you include photographs of people that includes a variety of ethnicities.

Many realtors do not make good photographers. It would be very easy to take your eye for design and assist a local realtor or two (or more) in photographing houses for sale to include in the listing.

Love scary stuff? Link up with people in your area who host haunted houses during the fall season and set up a camera system to photograph attendee’s reactions. You could sell your services to the hosts, or share the profits with the host.

2. Millennials may Create Online Courses

What are you knowledgable about? What “useless information” do you have floating in your mind? Turn it into a course!

Whether you love to dance, write, draw, sew, play games, or teach… anything you enjoy can be turned into a course and sold to people wanting your information.

You can start for free on websites like Thinkific… though I host mine over at Podia because the email services are much better and everything I could possibly need is all integrated for a much more reasonable price.

3. Millennials may Create and Sell Digital Products

Love organizing? Finances? Parenting? Teaching? Dancing? Design? Think about what you are knowledgable and passionate about, and turn it into a digital product to sell.

Create spreadsheets and/or workbooks about your organizing tips to sell on your own website or through other websites like Etsy or Amazon.

I sell my digital products through Podia, the same website that also manages my email marketing. They offer a program that is simple to use, and provides everything you need for having an online presence.

4. Millennials may Set Up A Network Marketing Business

Network Marketing is extremely controversial, but it is a legitimate way to make a supplemental income, or even make a very comfortable living. Unfortunately, network marketing (MLM) often has a poor reputation because of people promoting their companies in obnoxious, spammy ways.

And yes, network marketing is a *real* business. It is a marketing, coaching, and consulting business.

And there is quite literally a company for every Millennial interest!

  • If you love natural health, consider a network marketing business centered around selling essential oils or supplements where you can also coach your customers on how to use them and incorporate a healthy lifestyle into a wellness regimen.
  • Love makeup? There are a few excellent skincare and cosmetic companies with a passion for tougher safety regulations across the beauty industry.
  • If you love cooking… check out Pampered Chef
  • If you love fun jewelry… check out Keep Collective
  • Love playing games with your kids? There is a company that you can earn an income promoting educational board games.
  • There is even one for scrapbooking, car oil, and just about any hobby you can think of!

Quite literally something for everyone!

If you choose to do network marketing, be extra cautious about the company you choose AND the team you choose. Be sure to choose a high quality team too that teaches modern authentic marketing practices that focuses on YOUR strengths, experiences, and knowledge.

If you need help finding a reputable company and team, you’re welcome to contact me. I do have many connections involved in network marketing who also teach proper marketing methods that won’t ruin your relationships. I’d love to provide you with those connections!

5. Millennials may Blog

Running a blog doesn’t have to be complicated. You can literally write about anything your heart desires… and there are specific things you can do to increase your blog page views.

Once you gain enough traffic, you’ll be able to add advertisements to earn some passive income while you focus on content creation.

You’ll also have one location where you can compile numerous streams of income (like I do)… like hosting sales pages for your online courses and digital products, write articles and include affiliate links (where you’ll gain commissions on each purchase using your link), collect emails for email marketing, and provide links to any product or drop shipping pages you may choose to have.

If you need help getting started with blogging, I have an article for you specifically for creating a new blog.

6. Millennials may Start Affiliate Marketing

Affiliate marketing allows you to make a commission off products or services purchased by people using your link. You can use social media, emails, and blog articles to help promote your affiliate links.

Some of my favorite affiliate programs:

7. Millennials may Set Up Email Marketing

Emailing your list is a great way to stay in touch with the people who want to hear from you. This is a great way to promote affiliate links, blog articles, products you have for sale, and services you offer.

You can get started with email marketing for free, like the email plan I have,

8. Millennials may Make Money with Amazon

There are several ways to make money with Amazon…

  • Physical product sales where you ship it yourself or send it FBA (fulfilled by Amazon) and they’ll do all the shipping after you send it in to their warehouse,
  • Digital product sales,
  • Kindle eBook sales (or Kindle Unlimited),
  • Book sales (they’ll even print and ship it for you),
  • Mechanical Turk (selling your services),
  • Drop shipping (you design it, they’ll make it and ship it as it sells),
  • Affiliate Sales

9. Millennials may Start A Virtual Assistance Business

It isn’t difficult to network in the various social media groups designed for business owners to find simple work to do for small businesses. Virtual Assistants (VAs) basically virtually helps a business (meaning… not in person or on site, but through computer work) handle a variety of organizational tasks.

This can mean helping a business with social media needs, website design, submitting information on a website, formatting and editing information, writing, email management, replying to comments on the website or social media, answering questions, scheduling calls, or any other simple task that the business owner needs help with.

My absolute favorite virtual assistant is Kat from Katitude Cornerstone Agency

10. Millennials may Start A Website Design Business

Designing websites in today’s day isn’t as difficult as it used to be. Knowing how to write HTML code may be helpful, but with all the customizable themes out there for various website types, it isn’t difficult to unleash your creative mind and come up with some beautiful website options.

11. Millennials may Start A Graphic Design Business

Graphic design is huge… creating beautiful graphics, infographics, website graphics, social media graphics, altered photos, videos, logos… etc… for businesses to use in their marketing.

12. Millennials may Start Vlogging (blogging, but through video)

Vlogging is pretty much the same as blogging… only you use video. If you’re going to become a Vlogger, I highly recommend having your own website to embed your videos into, and to share your videos by uploading them across various social media channels.

13. Millennials may Provide Video Content Creation

Video content is projected to be the most viewed type of content in 2020, comparing to text, photos, and digital graphics. Many websites, including Facebook and YouTube, offer ways to make money by creating and publishing video content. You could also provide services to other businesses or bloggers to create video content for them as well. Or create courses centered around delivering your content through videos.

14. Millennials may Provide Video Editing

Providing editing work for people creating videos is a much needed venture. You can sell these services on a variety of websites, like Fivvr, 99designs, and Upwork.

15. Millennials may Sell Handmade Products

More and more people are flocking to handmade items made with love and care than factory made. It feels great to support families, paying them for their passion and crafts. You can sell your handmade items on your own website, social media, Amazon, eBay, and Etsy websites.

16. Millennials may Set Up A Social Media Management Business

One of the many services you can provide to businesses or bloggers is to help them manage their social media. Its often a daunting job not many business owners want to take on, especially when having a presence on more than one social media network.

17. Millennials may Start NonLinear Marketing (Social Media Promotion or Influencer Marketing)

Nonlinear marketing… influencer marketing… social media promotion… its all the same thing where you provide social media, website, and/or email updates to your followers including someone’s products or services in with how they integrate in your lifestyle. To help businesses with this, you’ll need a good sized following, and incorporate photos of you with the product or using the services with a mention on how it helps solve your problems or improve your quality of life.

18. Millennials may Sell Items on eBay

Whether you sell thrift store finds, or create your own products to sell, eBay is a thriving place to sell or auction off things.

19. Millennials may Write and Sell A Book

There are many ways to sell a book… with or without hiring a publisher

  • Online through various bookstores
  • In various bookstores
  • On Amazon (printed and shipped for you or through ebook)
  • Through Amazon Kindle Unlimited
  • On print on demand websites
  • Or on your own website (this is much easier if you also have an affiliate program where you pay marketers a commission to help promote your book)

20. Millennials may Start A Book Editing Business

My clients and I frequent Fivvr to hire people to help edit our books. With more published and self-published authors popping up, the need for a quality editor is continually increasing.

21. Millennials may Provide eBook Formatting Services

Writing and editing a book is one thing… formatting that book into a PDF or ePUB format is a different task… one that many writers struggle with. If you’re tech savvy, or willing to learn, there is a growing need for helping writers get their books into the proper format before they can sell.

22. Millennials may Buy and Sell Domain Names

Have you ever had a website name in mind and went to go buy it, just to find its $40,000? I’ve run into this numerous times… having great ideas for a website, just to be turned off at needing to spend over $1,000 for the domain. The most expensive I’ve seen is $130,000. Its pretty crazy! Though it does take some strategy to come up with the ideas that aren’t already taken… and sometimes can take a while for a buyer. My favorite website domain that I’ve eyed down for 2 years is still for sale at $1,300… so I don’t see this as a quick turn around. Just make sure it is worth hanging on to for a couple years at the typical $15/year rate.

23. Millennials may Provide Online Coaching

Turn your skills and abilities into a coaching program. Whether you’re into fitness, business, product design, crafting, cooking, marketing, personal development, managing grief, or managing through various stages of life challenges…etc… there is a way to develop a coaching program around what you’re already good at.

Need help gaining students? Fivvr allows you to sell your services for $5 while you gain experience and testimonials. Market yourself on social media (Pinterest, for example, has been especially kind to me). Learn Search Engine Optimization to get noticed in internet searches (like Google or Bing).

24. Millennials may Provide Online Consulting

Consulting is very similar to coaching. Though instead of walking people through how to do what they’re doing… in consulting you identify what needs to change, help create a gameplay on how to implement those changes, and leave the implementation up to your client.

25. Millennials may Begin Drop Shipping

Drop Shipping has endured huge growth in the past couple years. IF you do it right, you could potentially make some really good money.

Many people suggest setting up a store filled with products created in China, and having the manufacturers do all the shipping for you… but everyone I’ve talked with who has done this end up having more items returned than makes it worthwhile.

For me, I use drop shipping through a couple manufacturers in the US and Europe who place my designs on their shirts and household items. When an item sells, they print it out, and ship it. They take the manufacturing costs, and I take the profits.

My favorite websites for drop shipping

26. Millennials may Provide SEO Management or Consulting

SEO is gaining popularity among website owners and bloggers. It stands for Search Engine Optimization and basically involves creating keywords that will help your website show up in Google at a higher rank, producing more visibility.

Pinterest is another search engine that has been massively popular in the past decade… but has recently been making updates that have bloggers scrambling trying to figure out how to compensate for severe (sometimes 50-80%) drops in traffic… which means severely lower ad revenue. Adding SEO to their website traffic strategy is a much needed task that leaves many website owners and bloggers confused, and spinning their wheels. Helping them helps you earn an income while providing them with a much needed service.

27. Millennials may Begin A Startup Company

Put your creative thinking skills to use and create an online service, tool, or marketplace that solves a growing need. Then you can turn around and automate as much of it as possible, hire a team to help you manage the project, or sell the entire project to an investor or firm.

28. Millennials may Provide Personal Shopping Services

Love to shop? People are busy, and not everyone enjoys running errands. Whether it is delivering groceries, shopping for gifts, or shopping for household items or clothing… becoming a personal shopper may be rewarding in more ways than one.

29. Millennials may Open A Franchise

Many companies are always looking to expand their brand by allowing you to open up one of their stores in a new location. Literally any type of business can be available for franchising… just make sure you read the rules of having a piece of that brand.

30. Millennials may Provide Online Translations

More and more companies are going international. We are too! We currently have consultants in the UK, Canada, US, Philippines, Singapore, Australia, and Mexico… and are always looking to expand. If you’re bilingual (or multilingual), you can easily put those skills to use by connecting with companies, coaches, consultants, network marketers, bloggers, and virtually anyone who offers a service or product and provide translation services.

31. Millennials may Provide Voice Services

Love to talk? Good at reading? Or need something to do to help pass the time? Many companies, marketers, coaches, consultants, and bloggers are looking for someone to help provide transcriptions back and forth between voice and text.

  • Voice to text transcriptions
  • Text to voice transcriptions
  • Voiceover services

32. Millennials may Host an Air BnB

Have room in your home? Maybe an apartment over your garage? Or some extra funds available to purchase additional property? You could easily rent it out to people on AirBnB… or network with a local realtor and provide short term or corporate rentals.

33. Millennials may Provide Data Entry Services

Many companies and hospitals are looking for help entering data into their databases. It isn’t overly exciting work, but it is much needed, and doesn’t require dealing with people or making sales.

34. Millennials may Provide Grocery Delivery Services

More and more people are wanting to ditch the crowds and have their groceries delivered… especially stay at home moms, home-based entrepreneurs, and business owners. You can get paid by making their routines simpler with providing grocery delivery services.

35. Millennials may Sell Their Skills

Is there something you’re good at? Something you can use to help someone else? There is a market for you!

Whether you are good at design, creating things, writing, editing, teaching, organizing, problem solving, critical thinking, categorizing, scheduling, analysis, listening, talking, research, reporting, finances, humor, coordinating, event planning, photography, videography, marketing, personal development coaching, life coaching, cooking, baking, programming… etc…

My favorite websites to sell skills on include:

  • Fivvr,
  • Upwork,
  • 99designs,
  • having your own website

37. Millennials may Become A Virtual Tutor

There are many websites now that allow you to become a tutor online… meaning you can tutor other people without actually having to be there in person. Though you could also tutor people in person too. There are a variety of subjects that you could provide tutoring in… like math, reading, language, science, history, economics, social studies, civics, art, music, theater, technology, woodworking, robotics, animal husbandry, gardening, dance… etc. If you’re good with a certain subject, there will be people who could use your tutelage, and will be willing to pay you for your time and expertise.

36. Millennials may Do Odd-Jobs in Their Community

You’d be surprised to see how much your community needs… both online and offline. People are always looking for help… many willing to pay for quality help. Network with your local businesses and neighbors to see what you can do to help them achieve fulfilling a need.

38. Millennials may Provide Freelance Writing Services

Freelance (sometimes also called ghost writers) are in high demand. If you’re good at writing, you can get paid to write articles for other websites, books, brochures, pamphlets, or update their existing website pages.

39. Millennials may Assist local small businesses with increasing their online presence

Many business owners (especially of small businesses), nonprofits, and churches struggle with managing their online presence. If you have a knack for social media and knowledge in maintaining websites (or willing to learn), there are quite literally an unlimited amount of people you can help expand through increasing online awareness, and attracting new customers, members, and donors.

40. Millennials may Create A Membership Program

Do you like to create things? Are you filled with great ideas? Are you knowledgable in a specific topic? Filled with life or business wisdom you’d like to share? Creating a membership where people pay a monthly, quarterly, or yearly fee to be in your membership will give you the outlet you need to share your expertise and passions in.

How To Embrace This Crazy World and Make Money: The 2 Best Kept Secrets For Millennials To Earn An Income

Yes! Embrace this crazy world, and find your niche! Find yourself. Find what makes you happy. And then dive right in!

For me, this often looks like two things: blogging, and marketing… which often go hand in hand.

The easiest way: blog.

You can start a blog for free. Or start a Facebook page for free (or Pinterest… or YouTube/Vimeo… etc…). Though I’d suggest working your way to affording your own domain, if you’re serious about running your own business using the internet. Once you have enough followers, you’ll be able to monetize that blog with your own products (digital or physical). Selling physical products online has become incredibly easy with websites like Amazon, Etsy, Ebay, and many others. Don’t have a physical product? Put your knowledge to use and sell a digital product! There are literally endless ways to monetize a blog and generate additional income.

Digital Content Ideas:

Digital products are fairly simple to create, and can be free to make (aside from your time) and can be reused an infinite amount of times. You can also give away some digital content to acquire email subscribers that you can build relationships and market to as well. It doesn’t have to be anything fancy, and there is no shame on revamping newer versions to keep it fresh and relevant.

  • Digital Class (how to…)
  • Email Class
  • Digital Scrapbooks
  • Worksheets or digital downloads
  • Planners (financial, organizational, homeschool, studying, crafting, meal planning… etc)
  • eBooks

Affiliate Programs:

You can also monetize a website or social media page through programs like Amazon Affiliate, which has products that can be used in any niche. There are also nearly unlimited amount of companies out there who would be thrilled to pay you commissions for writing about or recommending their products. Fashion, jewelry, food, pets, crafts, travel, babies… I can’t think of a single topic that doesn’t have some sort of affiliate program that you could take advantage of. There are even blogger networks you can become a part of that provide exclusive access to companies seeking a blogger to help them market their products!

Whether or not you have your own products to sell, affiliate programs can be very useful and encouraging, especially when those products fit in with what you’re writing about or selling.

The fastest way: network marketing.

This one can be tricky. You have to want to help other people, and you need to be plugged in with the right mentors and support system. Many people quit before they are successful, and many people either don’t follow or don’t have teams to provide them with the proper guidance to follow. But if you’re selective with who you join and are joining a company with a mission that truly resonates with you, there is no reason why you wouldn’t be successful. And you can be successful without bugging friends and family (blogs and social media come in handy here too)! Just like there is an affiliate program for every niche, there is also a network marketing company for every niche.

Network Marketing has a seemingly unlimited number of perks that range everywhere between:

  • tax benefits,
  • bonuses,
  • location and time freedom (you can literally work from anywhere at any time),
  • you are paid based on your accomplishments,
  • build a residual income that can set you up to actually be able to retire or enjoy maternity leave (meaning if you set it up right, you’ll continue to be paid even when you’re taking extended time off…),
  • your growth (and paycheck) potential is virtually unlimited,
  • choose who you work with,
  • meet a whole gaggle of people who are positive, encouraging, and completely enjoyable to be around.
  • learn some incredible marketing and business lessons that could enable you to expand a business in other directions outside of network marketing,
  • and often the products sold through network marketing companies are high quality.

Plus, what other business could you possibly be promoted or double your income every year, twice a year, or even every month??

Just make sure the company and team you choose are high quality.

How Can I Guarantee My Success In Network Marketing???

Find your motivation. Find your inspiration. Accept that you will have to work hard and sacrifice.

And most importantly… make sure you join a company who has high quality products that you actively use and love… with a team that teaches authentic marketing practices (which can be difficult to find).

The worst aspect of network marketing is all the people running around the internet spamming everything and everyone in their paths. Building a business the right way is crucial… and having a solid team who teaches the right way to build is the most important aspect next to the products or services that you’ll be providing.

Whether you work for someone else or you work for yourself, you will have to put in the hours, blood, sweat, and tears to accomplish your goals.

Working for yourself, however, provides unique situations that can provide a whole different life that would otherwise be impossible to achieve.

Either way, blogging and/or network marketing are two major examples of how you can pull yourself out of where you are today and work towards a better future. Two years from now you could go from having $7 in your bank account with a week left in the month, to having $34,000+ monthly checks.

Remove The Shackles

You’re not stuck. You do have options. Change can be scary, but it also can be worth it.

Don’t be afraid to take a dive into something different that has the potential to enhance your quality of life exponentially. Don’t feel cornered based on a previous generation’s decision. Don’t feel pigeonholed into your current status quo just because someone else has taken the reins on your life. Venture out and find your happy. Find what speaks to you, and run with it.

Be your own superhero and make your world a better place.

Where do you start?

Change begins with your mindset.

You have to choose to want something different. You have to choose to challenge yourself and to rise to the occasion to meet or exceed that challenge.

That really depends on what it is you want to do. You start by figuring out what you want, and answer these questions:

  • Where do you want to see your life in 5 years?
  • What makes you happy?
  • What have you dreamed of doing your whole life?
  • What do you enjoy?
  • WHY do you want to venture out doing your own thing?
  • WHEN do you want to see results by?

There truly is something for everyone in the online space where you can adapt what you do to include various ways to make money online.

Morale of the story: you decide your destiny.

You’re not destined to live a life of complete debt and hopelessness of achieving long-lost dreams… unless you choose to. There are so many different options out there you are able to seize and will your ideal future into existence if you take the initiative and put the work in. You can have a career you enjoy, with the ability to work from anywhere while maintaining the ability to take time off when you need it and maximize your time with family.

You can choose to live a meaningful life, and be paid for it based on YOUR worth, and not someone else’s perceived value of your work.

I’d like to challenge you to do this:

  • Dream up your best future
  • List out what you want to do
  • Create an action plan for getting there
  • Be bold and courageous enough to ask for help

Take a chance. Take the challenge. Invest in yourself.

Thank you for reading!

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