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• Master your debt, Student Loan Debt can feel like a heavy burden on new college grads, particularly for young adults just starting a family.

• Whenever possible make Accelerated Payments, and use the extra principal to pay down your debts quickly.

• Creating multiple revenue streams doesn't mean taking 3 jobs, think smart, not harder to further your wealth building goals.  Passive revenue streams are a good way to start.

• Turn everyday skills like barbering, hair cutting, photography, craft-making and furniture repair into money-generating services in your local communities.  For example, using a large SUV to pick up workers for early morning or returning home from late evening shitfs for a weekly subscription or flat-rate service.  Or using an idle Delivery Van to transport medical supplies between hospitals.  You can even earn money using your native language skills in hospitals and other client service centers a few days a week to earn extra money, 

• Invest with online Real Estate to earn returns on real estate investments without becoming the landlord.  Investing in start-ups and peer-to-peer lending are exciting alternatives to consider.

Having multiple streams of income creates a crucial financial cushion, if you lose your primary job.  Gone are the days when you work one job for life.  Today's econmy can turn on a dime, so it's important to create multiple streams of income, not just a 2nd job.  Below are a few suggestions to help you generate real income, to hedge your bet against market downturns:

• Create a LLC and hire your KIds as employees.  In many cases you are write off up to $14,000 in tax deductions, while paying yourself for work you do at home.

• Consider teaching or creating an online training course and earn money from money subscriptions.  You can also earn extra money selling downloadable worksheets, resource lists, tutorials and other materials through your online courses.

• Turn your professional abilities such as accounting, bookkeeping, proof-reading, land surveying, or industrial cleaning into paid services without your community.  Advertise in local newletters, and include a phone number or email address so clients can get in touch with you.

• Teaming up is one of the best ways to Inflation-proof your income.  New skills and technologies come online everyday, but quality and good service never go out of style.  Team up with younger companies, designers and entrepreneurs to create winning teams offer a wide-array of services to business clients.   Such services could include a seasoned manager teaming up with a younger plumber or ground maintenance crew to develop new job leads and contracts for everyone.  Or a senior cook teaming up with interns to operate a ghost kitched supplying baked goods and snacks to a local school system.  Through cooperative economics you can create broader income opportunities than working alone.

• Learn new skills.  Don't be scared to go back to school or take online courses to brush up on your skills or even change careers altogether.  Flexibility and upgrading your skill sets can lead to exciting new opportunities to atrract both corporate and general consumer customers.

• Can you sew or fix meals, providing valuable services such as mending clothing or selling special dietary meals such as Vegan or Low-Salt dinners is an excellent way to provide value to your negihbors while standing out in the community.