🪙 Millionaires use these 7 streams

Discover how to create the 7 income streams of millionaires.

Hey Ambitious,

It’s a problem.

I was scrolling through my news feed this morning…

And I saw a stat that nearly made me spit out my coffee:

“73% of people rely on ONE income stream.”

Let that sink in for a second.

For the majority, that one stream is their full-time job. It feels stable. Predictable. Safe.

But here’s the truth:

If you rely on a single income stream — especially one you don’t control — you’re playing with fire.

Because you’re just one bad day away from zero.

A bad performance review.

A sudden layoff.

An unexpected economic downturn.

And poof — your entire livelihood is gone in a 15-minute Zoom call.

That’s not security.

That’s survival.

But here’s the good news: The rich don’t play that game.

They don’t rely on one job, one client, or one paycheck.

They build income ecosystems.

And if you want to escape the paycheck trap, achieve real financial independence, and stop being scared of “what ifs,” then you need to start building your own ecosystem too.

In today’s newsletter, I’ll show you how to do it — step by step — by borrowing a page from the playbook of millionaires.

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The Middle-Class Mindset Keeps You Broke

Most people are taught to chase promotions, climb the ladder, and stash a little in their 401(k).

That’s not wealth-building — that’s wage-chasing.

And it’s a system designed to keep you dependent, not independent.

Here’s what society got wrong:

• They taught you to work hard, but not to own.

• They told you to trade time for money, not value for leverage.

• They sold “security,” but handed you a single point of failure.

Let me tell you something millionaires know that most people don’t:

“Wealth isn’t built by earning more. It’s built by owning more.”

Millionaires rarely rely on a job. They rely on income streams — systems that bring in money whether they show up or not.

In fact, the average millionaire has 7 different income streams.

The 7 income streams include:

1. Rental Income – Income from rents

2. Dividend Income – Income from stocks

3. Earned Income – Income from jobs/side hustles

4. Royalties – Royalties from books, inventions, etc.

5. Business Income – Income from business profits

6. Interest Income – Income from savings accounts, bonds, etc.

7. Capital Gains – Capital gains from selling highly appreciated assets

They’ve created an Income Ecosystem — a money machine that keeps flowing, even when one part slows down.

That’s the key difference.

They don’t panic when markets shift or jobs disappear. Because they’ve built income that’s not tied to one paycheck, boss, or economy.

And guess what?

You can start building yours right now.

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Build Your Money Machine (One Stream at a Time)

Most people wait for a raise.

Wealthy people give themselves one by adding a new stream of income.

Here’s how to start building your own 7-stream ecosystem — even if you’re starting from scratch.

1. Rental Income

Rental income is one of the most popular income streams.

Why the popularity?

Because real estate can provide a steady stream of cash flow from rents.

Not only that but you can also:

• Get tax benefits

• Diversify your portfolio

• Profit from property appreciation

And it gets better:

You don’t need $100,000s to start investing in real estate.

In fact, you can earn rental income with as little as $100.

Here's how:

How to Earn Rental Income

Earning rental income is easy thanks to modern investment platforms.

Here’s how to get started:

1. Create a free account with Arrived

2. Connect your bank account

3. Fund your account

4. Determine your investment strategy

5. Execute your investment orders

6. Start earning passive quarterly income

Investing in real estate is a proven strategy to build wealth and earn passive income.

Make sure you do your research first before you commit financially.

2. Dividend Income

Dividend income is one of the best types of passive income.

You can earn dividend income by investing in dividend stocks.

With dividend stocks, you earn passive income from regular payouts from profitable companies.

And the more shares you own, the more dividends you earn.

With dividend stocks, you get:

• Tax advantages

• Capital appreciation

• A reliable source of passive income

And here's the best part:

Companies typically increase their dividends during a recession to keep their investors (like you) happy.

But don’t fall for dividend traps, where stocks offer excessive dividends.

How to Earn Dividend Income

Ready to start earning dividend income?

Here's the process:

1. Open an investment account (I use M1 Finance)

2. Find top-rated dividend stocks using Seeking Alpha

3. Research your dividend stocks

4. Decide how many shares to buy

5. Diversify your portfolio

6. Monitor and reinvest dividends

Investing in dividend stocks is one of the best ways to earn passive income.

Make sure you do your research first before you invest.

3. Earned Income

Earned income is the most common income stream.

Here are the different types:

• Tips

• Overtime pay

• Wages and salaries

• Contractor payments

• Bonuses and commissions

Now you might be wondering:

"What's the best income stream outside of my 9 to 5?"

The answer is starting a side hustle.

And it's not impossible for your side hustle to out-earn your 9 to 5.

In fact, the potential money you can make from a side hustle is unlimited.

How to Earn Income with a Side Hustle

Starting a side hustle is the easiest way to upgrade your life.

If you’re selling a service like consulting, you could earn an extra $1k to $2k per month.

Is this easier said than done?

Yes. But if it was easy, everyone would do it.

To be above average, do what the average won’t do.

4. Royalties

Royalties are one of the most underrated income streams.

What are royalties?

Royalties are payments made to creators for each sale of your book, music, public performance, etc.

But here's the thing:

You have to put in the upfront work with royalties, to reap the rewards for years after.

How to Earn Royalties

Writing an eBook is one of the best ways to earn a recurring income stream.

Here’s how to write and sell your own eBook:

1. Think about a topic to write about

2. Write your eBook outline

3. Start writing your eBook

4. Edit

5. Re-edit

6. Re-re-edit

7. Use actual publishers or a free self-publishing platform (like Gumroad or Amazon KDP)

8. Promote your book via your email list, social media, word of mouth, influencers, etc.

9. Start selling your eBook

You’ll have to put in hard work in the beginning of your eBook journey.

But as long as you market and promote your product properly, then you can expect consistent income in the future.

5. Business Income

The highest chance of becoming a millionaire is if you are a business owner.

In fact, if you are self-employed, you are 4 times more likely to become a millionaire than if you worked for someone else.

Yet only 18% of American households are run by business owners.

Of course, being a business owner can have its own ups and downs.

For example:

• 100% responsibility

• No guarantee of success

• Extreme financial pressure

• More demanding work hours

• No consistent income stream

As you can see, owning a business might not be for everyone.

But if you want to give it a try, keep reading.

How to Earn Business Income

Starting your own business is simple nowadays.

In fact, you can even start your own business online, from your home.

If you’re building an affiliate marketing business, you could earn an extra $2k+ per month.

Is this easier said than done?

Absolutely. But if it was easy, everyone would do it.

To be above average, do what the average won’t do.

6. Interest Income

Interest income is one of the easiest income streams to get.

And I'm about to reveal a trick to earn you the most interest income.

Here it is:

Instead of storing your cash in a savings account that will earn you 0.1% APY...

Consider using a HYSA (aka a high-yield savings account).

With the current interest rates, you can get over 5% APY in a HYSA.

A 5% rate on $10,000 of cash would earn you $500.

For doing absolutely NOTHING.

Talk about making your money work for you!

How to Earn Interest Income

Are you ready to start earning interest income?

Here’s the process:

1. Browse the highest-yielding accounts on Raisin (I use Raisin myself)

2. Select one of the available savings accounts

3. Open your savings account

4. Stash 3 to 6 months’ worth of living expenses in your savings account

As long as you don’t touch the cash in your account, over time, you’ll see your money grow.

7. Capital Gains

Capital gains are one of the most powerful income streams.

What are capital gains?

A capital gain is the profit earned from selling an asset for more than its original purchase price.

Now you might be wondering:

"What assets go up in value so I can sell it later and make a profit?"

Well, the good news is many assets appreciate in value.

And one of the highest-appreciating assets is fine art.

In fact, the art market has outperformed the S&P 500 by 165% in the past 25 years.

The best part?

You don’t need to be ultra-wealthy to invest in fine art anymore.

Thanks to fractional investing, anyone can buy fractional shares of million-dollar artwork.

How to Earn Capital Gains

Here’s how to get started with fine art investing:

1. Join Masterworks

2. Connect your bank account

3. Browse the available investments

4. Fund your Masterworks account

5. Execute your investment order

While fine art investing can be extremely profitable, keep in mind that you will have to keep the money invested over a long timeframe (7+ years).

Closing Thoughts

Creating multiple income streams isn't easy.

But the short-term sacrifice is worth the long-term gains.

Start today.

Your bank account will thank you later,

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Stay wealthy,

Be Wealth Operator