21 Income Generating Assets that will Make You Rich [2022]

The Millennial Money Woman blog post "Best Income Generating Assets"

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Want to know what the secret is to financial success?

The answer is investing in income generating assets today so that you will have the cash flow tomorrow to live the life you want.

So if you want to make passive income with cash flowing assets, then this article will be your go-to guide.

Sneak Peek: Best Assets to Buy

Private REITs

Alternative Assets 👇

Rental Real Estate 👇

What are Income Generating Assets?

Income generating assets are investments that produce consistent, recurring streams of cash flow over long periods of time. Common income generating assets include real estate, private lending, and dividend-paying stocks.

Especially in today’s volatile economy, it’s more important than ever to build income producing assets because we can no longer rely on our regular jobs. 

Diversifying your portfolio not only means you are hedging your investments (aka protecting your investments) but it also means that you would be receiving passive income across several different income generating assets.

When one passive income asset fails, you can still rely on your other passive income assets to make you money.

The Best Assets to Invest in

I’m about to show you some of the best income generating asset ideas, ranging from stocks to farmland. 

Remember: Each income generating asset idea comes with its own set of pros and cons, so make sure you take some time to evaluate whether the investment is the best option for you. 

You’ll want to consider:

  • Risks Involved
  • Potential Return
  • Time Commitment
  • Minimum Investment

…And of course, you’ll also want to consider whether these are the best assets to invest in for you and your particular situation. 

Let’s get started!

Income Generating Asset Rental Real Estate

1. Rental Real Estate

Have you ever wanted to invest in rental real estate without managing the property (and tenants) yourself?

Well, now you can!

Rental Real Estate


- Portfolio diversification

- Can start investing with just $100

- Potential to earn passive quarterly income


- Illiquid investment

- No secondary market (yet)

- Fees can be relatively complex and high

Potential Return

5.4% to 7.0%+

Time Commitment

5 to 7 years

Minimum Investment


Accredited Investors Only

No - anyone can invest

Best Resource

An income generating asset such as rental real estate can be a very lucrative investment.


Not only do you make money with the rental income, but you also make money when the property is sold.

How Investing in Commercial Real Estate Works

And this is where Arrived Homes comes into play 👇

Arrived Homes is an online real estate investment platform that uses crowdfunding to help everyday investors access rental real estate.

Your minimum investment? Just $100. 

And the best part is that you don’t have to:

  • Collect rent
  • Manage the property
  • Deal with unhappy tenants

…All you do is collect the quarterly passive income!

Investing in real estate as a long-term investment also pays off, as this chart clearly shows:

Real Estate vs Stocks vs Savings Account vs Gold

Over the long run, diversifying your portfolio and investing in real estate can make sense. 

Moreover, during stock market volatility and uncertain economic times (such as geopolitical tensions, rising inflation, etc.), real estate has proven to be more stable than stocks:

Stock Market Returns Volatility vs Real Estate Returns Volatility

One of the main reasons why real estate tends to be more stable is simply because people need a place to live and they will pay rent to put a roof over their heads. 

The confidence in the real estate market can be seen in the 2-decade graph below, illustrating annualized returns over the past 20 years.

SP500 vs Rental Property Investing Annual Returns 2001-2021

Now, don’t get me wrong: 

I am a very big believer in real estate investing – but I would never invest 100% of my portfolio in real estate.

The key to becoming successful with investing is diversification.

Recommended Reading: Arrived Homes Review

Income Generating Asset: Public Non-Traded REITs

2. Public Non-Traded REITs

Looking for the best asset to invest in, specifically real estate?

Do you want to find a way to avoid putting in the hard (and sometimes dirty) work, like dealing with tenants, making repairs, etc.? 

…Then you may want to look into investing in public non-traded REITs (aka real estate investment trusts).

Public Non-Traded REITs


- Low fees

- Anyone can invest

- Portfolio diversification

- Generate passive income


- Illiquid

- High risk

- May be difficult to understand

Potential Return

7% to 12.42% (assuming you reinvest)

Time Commitment


Minimum Investment


Accredited Investors Only


Best Resource

Keep in mind that investing in real estate is one of the top strategies used by the wealthy and famous.

Now you can too, thanks to modern technology.

Specifically, you can invest in what is known as real estate investment trust (aka REIT, pronounced “ree-t”) through popular apps like Fundrise 👇

As a REIT investor, you don’t really get to physically “see” or visit the investment properties (unless you decide to pay for a plane ticket to explore the properties).

You put your faith in the REIT.

Here is why Fundrise could be a good passive income asset for you:

  • You want to diversify your portfolio
  • You want to earn a passive income stream 
  • You want to protect your investments during a recession
  • You want to invest in real estate without putting in the hard work

What I like about Fundrise is that you can start your real estate investment journey with just $10, while most real estate investment deals start with minimums of $5,000+.

fundrise real estate portfolio

Based on the image above, Fundrise diversifies its REIT investments in 3 particular property types:

  • Apartments
  • Commercial
  • Single-family

Diversification, especially in the real estate sector, is key.

Over the past 6 years, Fundrise has performed right in line with other real estate portfolios like Vanguard, as you can see below:

fundrise vs vanguard total stock market ETF vs vanguard real estate ETF

Fundrise claims that its goal is to provide investors with consistent returns over the long term.

Long-term consistency is more important than short-term gains.

Fundrise is actually one of the few real estate investing apps that offers a phone app, so your REIT portfolio becomes a lot more accessible.

Below are a few more facts and figures you may want to know before signing up with Fundrise:




Default Rate

7% to 12.42%

Average Fee


Real Estate Types

- Apartments

- Commercial

- Single family

Just remember to do your research before you jump head-over-heels into any income generating asset.

Recommended Reading: Fundrise Review

Income Generating Asset Local Businesses

3. Local Businesses

If you want to earn passive income from your investments, then consider investing in your local businesses.

That’s right – you can be an angel investor in your own community!

Local Businesses


- Fees are $0

- Can start investing with just $100

- Potential to earn passive quarterly income


- Illiquid investment

- No secondary market (yet)

- If a business defaults, you don’t get your investment back

Potential Return

10% to 25%

Time Commitment

5 to 7 years

Minimum Investment


Accredited Investors Only

No - anyone can invest

Best Resource

Investing in business start-ups used to be an activity for the “country club” investors.

Not anymore. 

Thanks to Mainvest, investing in your local businesses has now become more easy than ever – and you can start investing for just $100.

Mainvest is a crowdfunding platform where investors age 18+ can invest in local small business start-ups.

In fact, you can invest in businesses ranging in specialties such as:

  • Breweries
  • Restaurants
  • Cannabis dispensaries

Check out some of the top investment opportunities on the platform today:

Mainvest Businesses 2

Local businesses on Mainvest can rapidly appreciate in value, but the other benefit is that you can earn an additional income stream.

Mainvest Returns Example

In the example above, if you invested $100 in a business that offers a 1.5x investment multiple, then you can be repaid up to 1.5 times your original investment (so $150).  

And why wouldn’t you want to become an angel investor and invest in local businesses?

Investing in businesses in general – not just angel investing – can offer higher average returns than just investing in the stock market.

Recommended Reading: Mainvest Review

Income Generating Asset: High-Yield Savings Accounts

4. High-Yield Savings Accounts

Did you know that one of the easiest income generating assets is opening a high-yield savings account online?

Here’s how you can make passive income without moving a finger.

High-Yield Savings Account


- FDIC protected

- Earn passive income

- Great for emergency savings funds


- Compared to stock market returns, the yield is very low

Potential Return

Based on the yield of the savings account

Time Commitment


Minimum Investment


Best Resource

To build your financial future, it’s always a good idea to first prepare an emergency savings fund in case life throws you a curveball and you have to pay unexpected costs. 

The only time you should be using your emergency cash is… you guessed it… in the case of an emergency!

How much does your bank savings account pay you in interest?

Given the current low-interest-rate environment, I would probably assume you’re being paid around 0.01% to 0.10% = at the most.

If you’re ready to get started and open your own high-yield savings account, I would suggest checking out Axos Bank 👇

Here’s why I like Axos Bank:

  • FDIC insured
  • No maintenance fees
  • Interest is 10x the national average
  • No monthly minimum balance requirements

I should note that you’ll need $250 to open an account. 

If you want an income generating asset and are looking to stash $1,000’s of dollars in a safe and easily accessible place, then Axos Bank would be one of my top picks.

Income Generating Asset: Private Art Deals

5. Private Art Deals

Are you interested in multi-million dollar paintings?

Do you want to earn profits up to 30%+?

If you answered yes, then investing in blue-chip artwork could be the right option for you. 

Private Art Deals


- Portfolio diversification

- Protect yourself against inflation


- Illiquid

- Higher risk

- Fees are fairly high

Potential Return

8% to 30%+

Time Commitment


Minimum Investment

Depends on the specific investment offerings available

Accredited Investors Only


Best Resource

Masterworks is a blue-chip (aka high quality) art investing app that allows the average Joe to invest in fine art, worth up to $30 million+.

The reason why I’m not opposed to investing in blue-chip artwork is that art is typically seen as a hedge against inflation and stock market volatility.

Take a look at the chart below, which illustrates the correlation of contemporary art (which is what Masterworks specializes in) versus the ups and downs of the stock market:

graph of comtemporary art correlation factor 1995-2020

This chart shows that when the stock market goes down (represented by the S&P 500), the contemporary art market does not go down. 

Why is this a good thing?

If you’re in the middle of a recession, any investments you own that are in the stock market will go down. 

However, any investments you own that are in fine art, will probably not go down (based on the correlation chart, above). 

I should also note that the performance of fine art has exceeded the performance of the stock market over the past 25 years, from 1995 to 2020, as illustrated in the following chart:

graph of contemporary art annualized performance 1995-2020

From the 1995 to 2020 time period, contemporary art yielded an average annual return of 14% while the S&P 500 (representing the U.S. stock market) returned only 9.5%. 

To clarify, I’m not saying to go and sell every stock position you own and instead invest everything in Masterworks. That would be a pretty bad idea, especially because investing in the fine art market isn’t all rosy.

In fact, there are several cons if you’re looking to invest in the art world, including:

  • The fees are typically high
  • The art world is unregulated
  • Your money is locked for 3 to 10 years

I am, however, saying that investing in fine art could be a lucrative idea.

Below are a few more facts and figures you may want to know about Masterworks:




Average Fee

1.5% per year + 20% of artwork sale

Income Generating Asset Type

Blue-Chip Art

Just remember to do your research before you jump head-over-heels into any income generating asset.

Recommended Reading: Masterworks Review

Income Generating Asset: Private Real Estate Loans

6. Private Real Estate Loans

If you’re an accredited investor and want to earn passive income, then you might want to consider investing in private real estate loans.

Private Real Estate Loans


- Transparent website

- Earn passive income

- Portfolio diversification


- Debt only investments

- High minimum investment

- For accredited investors only

Potential Return

6% to 8%

Time Commitment


Minimum Investment


Accredited Investors Only


Best Resource

PeerStreet is a debt-only online real estate investing platform for accredited investors to invest in high-quality private real estate loans.

Before you keep reading – I do want to mention that PeerStreet is a real estate investing platform that is strictly meant for accredited investors.

If you don’t qualify under these 2 definitions, then skip this section and move on to the next income generating asset idea.

If you qualify as an accredited investor, then keep reading.

PeerStreet could be an optimal real estate investing platform for you, if you’re:

  • A real estate investor
  • A long-term investor
  • A high-risk investor

Just remember that because you’re investing in real estate debt, you are taking a slightly higher risk versus if you just invested in physical real estate assets.

The process to set up your PeerStreet investing account (and ultimately get paid) is actually pretty simple:

how peerstreet works

PeerStreet’s default rate (aka the number of times you won’t get your money back) is a bit higher than other real estate investing platforms.

However, in the grand scheme of things, 96% of PeerStreet loans were paid off to investors, so the platform itself is relatively reliable.

I should also note that PeerStreet has paid out over $225 million in interest payments to its investors.

peerstreet interest returned

While PeerStreet in general is a little bit more high risk for investors, the platform does offer countless data points for you to analyze, research, and ultimately determine whether a particular real estate investment is, in fact, a good fit for you.

PeerStreet’s transparency is something that I, as a potential investor, truly appreciate.

Finally, there are a few additional points you should keep in mind before investing with PeerStreet:




Default Rate

6% to 8%

Average Fee

0.25% to 1%

Real Estate Types

- Refinancing

- Industrial loans

- Multi-family loans

- Rental investments

- Residential acquisitions

- Commercial real estate loans

Just remember to do your research before you jump head-over-heels into any income generating asset.

Income Generating Asset: Dividend Paying Stocks

7. Dividend Paying Stocks

One of my favorite income generating assets is receiving dividends from stocks

Dividend Paying Stocks


- Form of passive income

- Attracts high-quality investors

- Indicate the company is likely profitable


- Are taxed

- Dividend cuts could decrease stock prices

- Could reduce companies funding sources

Potential Return


Time Commitment


Minimum Investment


Best Resource

It might make sense for you to invest your money into dividend paying stocks that can help build long-term wealth.

In fact, from 1927 to 2014, dividend stocks saw annual growth rates of 10.4%, while growth stocks that did not pay dividends only saw a growth rate of about 8.5%.

dividend stocks grew at 10.4 percent from 1927 to 2014

Source: Fool

This study certainly underlines why it might be advantageous to having dividend paying stocks as a part of your investment portfolio.

Let’s back up a little.

What is a dividend?

Basically, a dividend is the company’s way of thanking its investors for owning the company stock and not selling it.

Dividend growth rates are typically more stable than stock market growth.

Cutting a company’s dividend is typically a last resort because that means a company is facing financial stress.

And for that reason, I’m a pretty big fan of investing in dividend stocks.

One of the best ways to invest in dividend stocks is by opening an account through one of the most popular investing apps, M1 Finance 👇

M1 is an awesome investing app for those investors who are committed to the long term.

Once you’ve opened your M1 account and linked it with your bank account, you can start investing in dividend producing stocks – or even dividend focused ETFs (aka exchange traded funds).

With M1, you can either build your own portfolio or you can choose a premade portfolio from the M1 Finance investment team.

Instead of calling it portfolio, however, M1 Finance calls it a “pie.”

m1 finance "the pie"

If you’re serious about opening an account with M1 Finance, then I would suggest you focus on investing automatically and for the long term. 

Your bank accounts will thank me later.

Income Generating Asset: Your Car

8. Your Car

Do you have a spare or unused car?

If you do, then you can earn up to $1,200 per month simply by renting out your car!

Renting Out Your Car


- Earn passive income on your unused car


- You may be liable in the case of a crash

- You don’t know how the renter will treat your car

Potential Return


Time Commitment


Minimum Investment

None – assuming you already have a car

Best Resource

HyreCar is a car rental app that allows you to make passive income by renting out your unused car to ride-sharing service drivers like those working for Uber/Lyft.

HyreCar’s focus is to help plug the gap for the ridesharing marketplace (think: there are not enough drivers with suitable cars for Uber and/or Lyft, and Hyrecar is looking to rent out cars to Uber/Lyft drivers).

Talk about side hustling!

The reason why I’m particularly excited about HyreCar is that cars, in general, are depreciating assets – aka, you lose money virtually the second you purchase a new car.

In fact, if you buy a brand new car, by the end of the first year, your car would have likely already depreciated up to 30%.

your new car would have depreciated up to 30 percent by the end of year 1

Source: Nerdwallet

Below is a chart outlining the gradual depreciation of a car:

New Car Depreciation

New Car Value


Value After 1 Minute


Value After 1 Year


Value After 2 Years


Value After 3 Years


Value After 4 Years


Value After 5 Years


So, if you bought a brand new car, then 5 years from now, your car would have lost over an estimated value of $29,167 – or it would have made a negative return of -58.33%.

Clearly, new cars lose value over time.

I would caution both drivers and people renting out their cars through HyreCar to take a look at your insurance policies.

Here’s how the insurance policies work for HyreCar drivers:

HyreCar Insurance Policy

You’re driving the car but not yet working for Uber/Lyft

HyreCar’s insurance policy covers you

You’re working for Uber/Lyft

Uber/Lyft’s insurance policy covers you

While HyreCar doesn’t require the driver to maintain a personal auto insurance policy, Uber/Lyft does, so technically speaking, you wouldn’t be able to get around the insurance side. 

You can rent cars anywhere from $20 to $50+ per day, depending on the type of car that you’re driving.

Here’s how you can rent a car on HyreCar and start earning money:

  • Create a HyreCar account
  • Submit your application for the car you’re looking for HyreCar suggests to apply between 5 to 10 cars, and you’ll only get charged for the car that you’re actually driving
  • Pass a background check
  • Receive & upload documents – You’ll receive 3 documents (vehicle registration, 19-point inspection report, HyreCar rideshare insurance) that you’ll have to upload to your Uber/Lyft accounts
  • Pick-up/Drop-off the car

Whether you’re the person renting out your car, or whether you’re the person renting a HyreCar to drive for Uber/Lyft, this is a great opportunity to earn money and build wealth.

Income Generating Asset: Yourself

9. Yourself

Did you know that arguably one of the highest-yielding income generating assets is you? 

It happens when you start investing in yourself.

Investing in Yourself


- Unlimited income

- Work from anywhere


- High upfront time commitment

- Potential high upfront financial cost

Potential Return


Time Commitment

High upfront

Minimum Investment


Best Resources

I can’t say how many times I’ve heard the saying that you should always invest in yourself first.

You know what? The saying is true.

When you invest in yourself, you earn the highest ROI.

That’s because knowledge is power.
And power means money.

In fact, a general rule of thumb I have both read and heard about is to invest about 3% of your gross income back into yourself.

3% of your gross income should be invested back into yourself

Source: 48 Days

Remember that success doesn’t come with shortcuts – you will have to put in the time, energy, and money to achieve your goals.

When you invest money and time in yourself, you are virtually guaranteeing your own future success. You just have to start.

However, I am saying that you should consider some education alternatives, like investing your time and money in programs like Masterclass 👇

Recognize any of the instructors?

Masterclass is a subscription service (as of September 2021, starting costs begin at $15 per month) and offers you access to some of the coolest classes with some of the coolest instructors. 

Take a peek at what classes they offer:

  • Writing
  • Entrepreneurship
  • Economics & Society
  • Business Leadership
  • Art of Communication

…And the list just keeps going.

While Masterclass drops some serious celeb names, the classes that are offered may not go into the nitty-gritty details – and they also aren’t structured as an online MBA.

If you’re looking to learn about something that goes into much more depth – as in, you’d like to complete an online MBA for a fraction of the cost of a college MBA – then you may want to check out Udemy 👇 

Udemy offers in-depth courses including:

  • JavaScript
  • Blockchain
  • Deep Learning
  • Ethical Hacking
  • Real Estate Investing
  • Lots more

The point is this: When you start investing in yourself, your ROI will be unlimited.

Income Generating Asset: Index Funds

10. Index Funds

Another one of my favorites is 
investing in index funds to earn passive income.

Index Funds


- Very liquid

- Low-cost fees

- Long term growth


- Less flexibility

- May have limited gains

- Very unlikely to outperform the market

Potential Return


Time Commitment


Minimum Investment


Best Resource

Have you ever heard of the Buffett challenge?

Warren Buffett, one of the richest men in the world, is very well known for his stance on investing: Invest in low-cost, unsexy, index funds.

According to Warren, index fund investing is cheaper, better, and more profitable than investing in “sexy” investment products like in hedge funds.

Did the hedge fund industry win?


Here are the results:

S&P 500 Return Hedge Fund Return



Why does it seem like the S&P 500 index fund outperforms the “upper class” and glitzy hedge funds almost every time?

The main reason is due to the astronomically priced fees that come along with hedge funds.

If you want to have the privilege to invest in hedge funds, you need to pay up – and typically that means you’re paying the typical “2 and 20” fee structure:

  • 2% per year based on the assets under management 
  • 20% performance fee, charged on the profits generated

Arguably, you’re already looking at a -22% return – before you even start investing with hedge funds!

On the other hand, index funds can save you – and make you – a lot of money.

s&p 500 2017-2021

Source: Google Finance

As you can see, over the past 5 years, the S&P 500 index fund has been steadily increasing in value.

While there will always be some sort of volatility when it comes to investing in the stock market, the good news is that if you zoom out and if you look at the bigger picture, chances are, you’ll make a positive return in the stock market.

When it comes to successful investing (just as Warren Buffett preaches), you need to zoom out and focus on the long term. 

And that’s where investing in income generating assets like index funds could get the job done.

Here is a list of the pros and cons of index fund investing:

Pros Cons


Not flexible


Could have tracking errors

Low fees

Can never outperform the market

Diversify your portfolio

May have management differences

Personally speaking, one of the most important reasons why you would want to invest in index funds like the S&P 500 is because of the:

  • Low-cost
  • High-quality

By low cost, I mean that because index funds are passively managed, you typically won’t be charged a high fee (aka expense ratio) for the privilege to invest in an index fund.

The lower the expense ratio, the more money in your pocket. 

M1 Finance is an awesome investment app for those of you who are serious about starting your long-term investing journey

Here’s a little about M1 Finance:

  • No trading fees
  • No management fees
  • Portfolio is customizable
  • Fractional share investing

You will need at least $100 to start investing in a regular, taxable account and you’ll need at least $500 to start investing in a retirement account (aka an IRA). 

The most important part is that you start investing today.

Income Generating Asset: Become a Business Owner

11. A Business

Have you ever dreamed of earning income even if you’re retired? 

One way is by investing in your own business and becoming your own boss.

Owning a Business


- Satisfaction

- Unlimited income potential

- Ability to become financially free

- Ability to build generational wealth


- Stressful

- Steep learning curve

- High upfront time commitment

- Often a high financial commitment

Potential Return


Time Commitment

Very high

Minimum Investment

Depends on the type of business

Do you want to know one of the fastest ways to becoming a millionaire in your lifetime? 

It’s called becoming a business owner. 

I’m not kidding: 66% of millionaires are business owners. 

66% of millionaires own their own business

Source: The Millionaire Next Door

In other words, if you start your own business (and if you put in 110% effort), then you have a much, much higher chance of becoming a millionaire versus if you “just” remained an employee for the rest of your life.

Of course, there is nothing wrong with being an employee.

In fact, being employed is often much less stressful than being a business owner, you have less responsibility, less liability, and arguably you also have less financial risk. 

However, running a business is not all rainbows and butterflies. 

Here are some red flags that may indicate you’re not cut out to be a business owner (which is totally fine, by the way!):

  • You procrastinate
  • You fail to take action
  • You enjoy the comfort zone
  • You’re not familiar with marketing
  • You aren’t willing to put in the extra work

If your goal is to become a business owner, you cannot let failure hold you back.

In fact, more than 50% of businesses fail after the first 5 years. 

50% of businesses fail after the first 5 years

Source: Statistic Brain

The statistics get even worse, indicating that over 70% of businesses fail after 10 years of starting.

70% of businesses fail after 10 years of starting

Source: Entrepreneur

If you’re really looking to become a business owner, then you’ll have to accept that becoming a millionaire isn’t going to be a linear process.

In fact, studies suggest that the average millionaire actually goes bankrupt 3.5 times on average before they become successful.

The average millionaire goes bankrupt 3.5 times before they become successful

Source: The Millionaire Next Door

While I’m not trying to discourage you from pursuing your dream of becoming a business owner, I also don’t want to make it sound like being a business owner is easy – because it’s not.

It’s going to take:

  • Time
  • Effort
  • Energy
  • Failure
  • Hard work

Instead of working a 9 to 5 job, you’ll probably be living, eating, and breathing your business because your business will likely consume almost every minute.

At least that’s what my business does to me. 

However, because I love what I do, I don’t mind it – in fact, I love working on weekends, holidays, etc. because I feel like I’m getting ahead while everyone else is taking a rest.

While passion is a key ingredient, it’s not everything.

To become a successful business owner, you’ll also have to start learning additional things, like:

  • Sales
  • Marketing
  • Advertising
  • Contract law
  • Leading teams
  • Managing your money
  • Understanding areas of liability

You have to become an expert in virtually every field of your business. 

Since most of us didn’t go to business school or received an MBA, understanding certain aspects of a business can become tricky – and demotivating. 

That’s why I suggest you take a course on the online teaching platform Udemy 👇

Udemy offers an online MBA course for a very low cost (relative to what most MBA’s would actually cost you).

This is where you can learn the ins and outs of running a business and how you can implement the tips to run your business successfully, too.

Income Generating Asset: Build and Sell a Course

12. Courses

Are you an expert on a specific topic?

Do you enjoy helping people excel in life?

If so, creating and selling a course could be the right next move for you.

Building & Selling Courses


- Income is unlimited

- Earn passive income

- Share your knowledge with others


- High upfront work

- Must provide in-depth value

- High upfront time commitment

Potential Return


Time Commitment


Minimum Investment


Best Resource

The first time that someone told me that they were earning $5,000+ per month just by selling their online course, I couldn’t help but grin a little.

They had to be exaggerating, right? 

The truth was, they were not exaggerating – in fact, just today I found out that the same person was earning over $10,000 per month now in passive income just by selling her course. 

You can create a course for just about anything and make money:

  • How to flip used items for cash
  • How to become the perfect gardener
  • How to build a better social media presence

So, how do you create a course and promote it? 

Check out my steps below:

  1. Know what you’re good at
  2. Create your course
  3. Promote it
  4. Sell it

Let’s take a closer look at what I mean by these steps:

Step #1: Know What You’re Good At

Know your strengths, and know your weaknesses. 

To write an epic (and profitable) course, you need to know what you’re awesome at, and specifically what it is that people come to you for.

Here’s how you can start evaluating your strengths:

  • When do you people come to you for help?
  • What’s your area of expertise?
  • What do you enjoy doing?

One thing that I’ve learned the very hard way is that you won’t be successful at creating a course if you’re not passionate and excited about the subject. 

Step #2: Create Your Course

Now that you figured out what you’re good at, it’s time to start creating your own online course. 

You can build and sell courses in many different formats.

Below are some common formats:

  • Record a video
  • Write an eBook
  • Prepare a PowerPoint

Generally speaking, the most profitable courses that I’ve seen have been built on the online course platform, Teachable 👇

In fact, Teachable is the course platform that is used by the creator of Making Sense of Affiliate Marketing (and she earns over $50,000 per month just from selling this particular course!).

Step #3: Promote Your Course

You could create the most epic and the best course in the world, but without promoting your course, you probably won’t be successful in selling it. 

That’s why it’s critical to promote your course. 

Here are some ways you can promote your course:

  • Build a social media following
  • Promote your course on your website
  • Promote your course in your newsletter
  • Promote your course using paid advertising
  • Find others to affiliate for your course and promote it on their media platforms

Step #4: Sell Your Course Using an Online Platform

Once you’ve created and marketed your course, it’s time for the fun part – actually selling your course and pocketing the cash!

One of the best platforms is Teachable, but it’s not the only platform.

Other course platforms include:

  • Udemy
  • Gumroad
  • Skillshare

Depending on the type of platform you use, you might have to pay a small fee (typically a percent) of your overall sales, or you might have to pay a monthly subscription fee to use the online course platform.

Income Generating Asset: Your Property

13. Your Property

Do you have unused space in your home (aka you have an extra bedroom/guest bathroom)?

Do you want to convert that unused space into an income generating asset? 

If you said “yes”, then you might want to consider renting out your property.

Renting Out Property


- Earn passive income from your property

- Someone else pays off your mortgage for you

- Your property continues to appreciate


- Dealing with tenants

- Typically a lot of work

- Maintaining the property is your cost

Potential Return

Depends on local rent rates

Time Commitment


Minimum Investment

Depends on your property & maintenance fees

Unused space in your house can cost you money, time, and potentially energy cleaning the unnecessary space. 

Here’s how you can flip the script: Consider renting out the unused space. 

Did you know that 35.9% of US households rent out their homes?

35.9 percent of US households rent out their homes

Typically speaking, rental income is also a fairly stable source of income – everyone needs a place to live.

Below is a neat chart to show you how much you could charge for rent, just based on your geographic location:

median gross rent by state

While it might sound like renting out your unused space could be a fun and great income generating asset – I should caution you that there is much more than meets the eye when it comes to renting out property.

The worst-case scenario is when your tenant refuses to pay, and you cannot legally force them to leave without jumping through many costly and timely hoops.

Income Generating Asset: Money Market Accounts

14. Money Market Accounts

Want to know one of the easiest passive assets you can set up today and earn a little money on the side? 

Then setting up a money market account could be the right option for you.

Money Market Accounts


- Liquid

- Easily accessible

- Typically low fees

- Easy passive income stream

- Higher interest rates than savings accounts


- Does not earn high returns like the stock market

- Typically higher minimum balance requirements

- Typically withdrawals are limited

Potential Return

Depends on the interest rate

Time Commitment


Minimum Deposit

$100 (for CIT Bank)

Best Resource

The average savings account just doesn’t seem to cut it anymore.

Interest rates are below average (in the September 2021 interest rate environment, they’re hovering around 0.01%) and it’s important to get the biggest bang for your buck.

Enter CIT Bank’s Money Market fund 👇

Money market funds typically pay a higher interest rate than what your average savings account pays you.

If you’re interested to compare how this CIT Bank’s interest rate (0.45%) compares to your savings account interest rate, log into your savings account right now or call up your bank rep to check out your interest rate.

There is a very high chance that your savings account interest rate is lower than what a money market account could offer.

By FDIC insured, I mean that money market accounts offer you insurance of up to $250,000 per account owner in the case the bank fails.

Typically speaking, however, money markets often have minimum deposit requirements (in CIT Bank’s case, it’s $100), so just make sure you know what you’re signing up for first.

For example, in the case of CIT Bank, you are limited to 6 transactions per statement cycle. Anything over 6 transactions would be charged an excess activity fee.

Depending on your goals, a high-yield money market account could help you save for some big milestone goals.

If you’re ready to earn some passive income on your cash, while saving for major life milestones, then consider opening a money market account with CIT Bank.

Income Generating Asset: Write and Sell an eBook

15. eBooks

Did you know that one of the best income generating assets is your brain? 

You can earn $1,000’s extra each month if you decide to write your own eBook, for example. 

And if you don’t know how – or where – to start, then I have the perfect guide for you, below. 

Writing & Selling eBooks


- Unlimited income

- Low financial investment


- High upfront time commitment

Potential Return


Time Commitment

High upfront

Minimum Investment


Best Resource

The COVID-19 pandemic has changed our economy and work system likely forever.

One of the most critical lessons we learned from the pandemic was that relying on 1 job just won’t cut it anymore. You can be fired or let go at any time.

Relying on 1 income source is too risky.

And that’s especially true because about 78% of American workers are living paycheck to paycheck.

I should also note that those living paycheck to paycheck isn’t necessarily those people earning “just” 5-figure salaries. 

In fact, close to 10% of Americans with salaries of $100,000 or more are also living paycheck to paycheck.

10% of Americans with salaries of $100,000 or more are also living paycheck to paycheck

No wonder that many folks are stressed in the modern world – and money worries are never fun to have.

That’s why it’s so important to start building a side hustle income, and invest in an income generating asset, like an eBook, that can earn you money for many years into the future.

Now, I’m going to show how you can generate passive income by writing and selling your own eBook.

How to make money writing eBooks:

  • Think about what you’d like to write about (passion, niche, expert skill, etc.)
  • Download the course, How to Create & Sell eBooks for a Living
  • Start writing your first draft, even if you don’t feel ready
  • Ask someone else to edit your draft, then rewrite
  • Promote your eBook on social media

When I wrote my eBook, How to Get Rich from Nothing, I probably committed over 100 hours to the making of my eBook. 

It may sound like a lot of time, but in reality, I loved every minute of it, because I’m passionate about helping people improve their financial picture, and I’m already fairly skilled in writing (since I run a personal finance blog!). 

Now, 3 months later, I am still earning a modest amount of money from my eBook, without having to do anything. 

Talk about an awesome income generating asset!

Here’s why I love writing and selling ebooks:

  • No inventory costs
  • Low upfront expenses
  • Freedom to work anywhere
  • Passive income generation for years to come

If you want to earn extra money, then you should really consider writing an eBook.

Income Generating Asset: Build a Blog

16. Blogging

Have you ever dreamed of traveling the world 
while earning money at the same time?

What about making money while you sleep?

If you like the sound of those ideas, then blogging could be for you.



- You are your own boss

- You can work from your home

- Your income potential is unlimited


- Very high upfront time commitment

- Very steep learning curve

Potential Return


Time Commitment

Very high

Minimum Investment


Best Resource

Of course, I’m a little biased when it comes to this income generating asset idea, since I’m a blogger myself – and I absolutely love what I do. 

Do you feel like you’re stuck at your 9 to 5 job?

Do you feel like you’re ready to become a business owner and take on some risk, put in (a lot) of hard work, and focus on the big picture?

That’s honestly what blogging is all about. 

Before I started The Millennial Money Woman, I was working a corporate investment management job. Although my job description said it was a 9 to 5, it was more like an 8 to 8 job, with constant stress, worry, and doubt. 

Here’s why I never looked back after quitting my job and starting my blog:

  • I set my own schedule
  • I earn passive income in my sleep
  • I get to help people become financially literate

Of course, there are many, many other reasons why blogging is awesome, but if I had to pick my top 3 reasons, those would be it. 

In the US alone, there are about 31 million active bloggers who post at least once per month.

31 million active bloggers in the US post at least once per month

Source: GrowthBadger

Suffice it to say, blogging is very popular – which means it’s also very hard to shine through the crowd and make passive income.

In fact, 81% of bloggers don’t even make $100 from their blog.

81% of bloggers don’t even make $100 from their blog

Source: Blogging.org

Surprisingly, only 8% of US-based bloggers made enough money to support their families full-time with their blogging income.

8% of US-based bloggers earn enough money from their blog to support their family

Clearly, it’s not easy to make money blogging – mainly just because there are so many bloggers out there, and it’s going to take a lot of commitment and effort to set yourself apart from everyone else.

However, if you stick with blogging, you could make $100,000’s per month.

Now, I’m not saying that I’m earning $100,000 per month (yet), but I am in the top 19% of bloggers, as it relates to earning income.

Here are some tips that have worked for me when it comes to blogging:

  • Find your niche
  • Determine your brand
  • Pay for a web hosting service
  • Build a website through WordPress
  • Grow your audience on social media 
  • Create consistent and relevant content

When I started my blogging journey, I definitely did not have any idea what I was doing – so I just started and rolled with the punches. 

There is no such thing as a perfect blog because you’ll always find yourself making improvements and adjustments.

First, I decided that my niche was personal finance for millennials, because I love helping people, I’m a Millennial, and I have a Master of Science degree in Personal Financial Planning.

Next, I determined my brand.

It took me months of trial and error to determine what my branding would look like, how I would structure my logo, my profile picture, my font, etc.

The devil is in the details.

Take the time to figure out the right branding for you. 

Next, I determined that I would use WordPress and HostGator as my web hosting service 👇

HostGator is a shared web hosting platform and charges you a very small amount of money, relative to the services you get. 

Plus, they have a 24/7 tech service team (which I used virtually all the time when I was first getting started).

Now, it’s time to build your audience not just on your website but also through free marketing platforms like social media. 

I’ve grown my following from 0 to 71,000 in just over 1 year on Twitter, which brings me over 11 million impressions per month.

Traffic from your social media accounts that are linked with your website could mean:

  • Link clicks
  • Conversions 
  • More revenue

The next step in becoming a well-known and trusted blogger (and social media influencer) is creating consistent and relevant content that captivates your audience. 

If you refine these basic steps, you’ll already be ahead of the pack. 

The last step is implementing a monetary method.

Here are some different ways to monetize a blog:

  • Ads
  • Coaching
  • Affiliate marketing
  • Sponsored content
  • Selling your own products

Affiliate marketing is one of the most popular monetization methods.

Here’s why affiliate marketing is awesome:

  • No inventory
  • Low startup cost
  • Freedom of location
  • You aren’t creating a product
  • Massive passive income potential 

Affiliate marketing is typically best for those who have a long-term mindset focus because to make substantial income with affiliate marketing, you’re going to have to work hard for virtually $0 in the beginning.

Here’s why affiliate marketing might not be so awesome:

  • Income is variable 
  • Lots of time and effort
  • Lots of upfront hard work
  • You don’t control the product itself
  • The market is saturated with competitors 

One of the primary reasons why many bloggers use affiliate marketing is likely because it costs virtually $0 to start.

The affiliate marketing upside is unlimited.

I’m not kidding when I say that there are bloggers who earn north of $350,000 per month (that’s $4.2 million per year) just from affiliate marketing.

The Making Sense of Affiliate Marketing course is the first guide I bought and downloaded 👇

This guide is for you, if you:

  • Are a beginner
  • Want to make passive income
  • Have no idea what you’re doing

The guide itself is pretty basic, but it breaks down the affiliate marketing steps into plain English, and it gives you proven and actionable advice. 

Once you have a good understanding of affiliate marketing, the next step is to apply to affiliate marketing networks (like Commission Junction).

Once you’ve applied to the network itself, next, you’ll want to sign-up to the individual companies (offered in the network) that you’re looking to affiliate for.

This process might take a few days or even a few weeks.

After you’ve been accepted to a company’s affiliate program, it’s time to start incorporating your affiliate links into your content.

Your content could include:

  • A blog post
  • Social media
  • A newsletter

The more traffic you gain to your blog (for example), the higher the chance that you’ll make a commission from an affiliate marketing product or service. 

Income Generating Asset Precious Metals

17. Precious Metals

Are you interested in owning precious metals like gold, silver, or platinum?

Here’s how.

Precious Metals


- Metals are stored and insured

- Ability to liquidate your gold 24/7

- Protection against market volatility


- Fees are relatively high

- Complex fee structure

- Withdrawal process can be slow

Potential Return

10.9% to 13.4%

Time Commitment


Minimum Investment


Accredited Investors Only

No - anyone can invest

Best Resource

At the first sign of stock market volatility and inflation, many investors tend to flock to other, potentially more stable assets such as gold.

But it hasn’t always been easy to find and invest in gold.

Not anymore.

Enter OneGold 👇

OneGold is one of the best precious metals trading and investment platforms. 

You can buy:

  • Gold
  • Silver
  • Platinum

And the best part? 

All of your transactions can be done 100% digitally, plus your precious metals are stored (and insured) in some of the safest locations across the world.

And, with OneGold, you can liquidate your assets anytime (but it might take several days for that money to be sent your way).

So why invest in gold? 

It’s simple: Gold is not correlated with the stock market.

Gold Price vs SP500 Index 1968 to 2020

From the chart above, you can see that the price of gold has typically not had any correlation to the price of the S&P 500.

Especially in times of heavy market volatility, the value of gold tends to rise as fear in the stock market rises.

Income Generating Asset Sports Memorabilia

18. Sports Memorabilia

Do you enjoy sports?

And do you like building your wealth?

If yes, then check out this unique way to make money by investing in sports memorabilia (you heard me right!).

Sports Memorabilia


- Portfolio diversification

- Hedge against inflation

- Protection against market volatility


- Fees are relatively high

- Available only in the US

- May take up to 5 days to withdraw your funds

Potential Return


Time Commitment


Minimum Investment


Accredited Investors Only

No - anyone can invest

Best Resource

Collectable is one of the first sports memorabilia investment platforms.

How cool is that?!

Virtually anyone can invest (as long as you’re 18+ years old and have a US Social Security number).

Since 2008, sports collectibles have outperformed the S&P 500 by 604% in returns!

PWCC 500 vs SP500

The chart above indicates how sports collectibles (light blue) have absolutely exploded in growth compared to the S&P 500 (dark blue).

In other words, if you really need to liquidate your investment, you can. 

Speaking of investments, check out some of the sports memorabilia Collectable offers:

Collectable Recent Exits

Setting up your Collectable investment account takes only a few minutes and you can start building wealth wisely.

Income Generating Asset Rare Wine

19. Rare Wine

Do you like wine?

Do you like making money?

If you answered yes to both questions, then you might want to consider investing in rare wines.

Rare Wine


- Open to all investors

- Hedge against inflation

- Protection against market volatility


- Fees are relatively high

- Long term investment

- Unregulated industry

Potential Return

12.4% to 100%+

Time Commitment

2 to 20+ years

Minimum Investment


Accredited Investors Only

No - anyone can invest

Best Resource

Vinovest is the world’s first-ever wine robo advisor. 

Virtually anyone can invest as long as you’re 21+ years old and Vinovest provides you with a customized wine portfolio, based on your overall risk tolerance.

Over the past 30 years, fine wine investments have outperformed traditional investments (like stocks).

Check out the chart below:

Fine Wine vs SP500 1988-2020

The chart above displays the S&P 500 (dark brown), which has consistently underperformed fine wines, even during recessions.

So, if you’re in the middle of a recession, investments like fine wine can actually help make your portfolio numbers look better.

So how can you actually invest in fine wine? 

Here’s exactly what you need to know:

  1. Sign-up to Vinovest
  2. Receive customized wine portfolio recommendation
  3. Start investing in fine wine (minimum of $1,000)
  4. Hold the wine for the long-term

And, in exchange for paying an annual management fee, Vinovest will do the following to your wine:

  • Store 
  • Insure
  • Transport
  • Source buyers

By choosing Vinovest, you tap into the white glove service offered by the company to make sure you walk away with a profit.

Recommended Reading: Vinovest Review

Income Generating Asset: Farmland

20. Farmland

Have you ever wanted to invest in farmland, but didn’t know where to start?

Thanks to modern technology, now you can.

I’m going to show you how to get started with farmland investing, below.

Farmland Investing


- Low fees

- High expected returns

- Portfolio diversification


- Higher risk

- Illiquid (up to 20 years)

- Accredited investors only

Potential Return

1.8% to 13.1%

Time Commitment


Minimum Investment

$5,000 to $50,000

Accredited Investors Only


Best Resource

AcreTrader is a real estate crowdfunding platform that specializes in investing in farmland.

Believe it or not, investing in farmland can yield fairly high returns compared to other asset classes (like real estate investing, stock market investing, etc.).

Take a look at the illustration below:

farmland average annual return

As you can see, Farmland offers not only a high annual return, but it also offers low volatility (when compared to the stock market), a hedge against inflation, and farmland is also one of the best passive income generating assets.

Investing in farmland offers you the chance to make money in 2 distinct ways:

  • Appreciation of land value
  • Passive income from rent payments

Because land space is limited, it certainly is a good idea to consider investing in farmland.

That’s especially true seeing that farmland has offered consistent growth over the past 30 years, as illustrated in the chart below.

cumulative returns of major asset classes 1990-2018

Source: AcreTrader

This chart illustrates how a $10,000 investment in farmland back in 1990 would have consistently appreciated in value to $199,700 in today’s dollars.

While farmland may not be the No. 1 performing asset class (which is REITs), farmland does offer more stability.

Based on this logic, one could assume that an investment in farmland would continue to increase in the long run. 

AcreTrader certainly puts in the due diligence to determine which land could offer high returns and has made 3 farmland offerings available at this point in:

  • Knox County, Illinois
  • Bureau County, Illinois
  • Mississippi County, Arizona

New offerings should be listed on AcreTrader’s website every few weeks.

Below are a few more facts and figures you may want to know before signing up with AcreTrader:




Average Fee

0.75% of AUM (assets under management) + Additional fees may apply

Income Generating Asset Type

- Rice crops

- Corn crops

- Cotton crops

- Soybean crops

Just remember to do your research before you jump head-over-heels into any income generating asset.

Recommended Reading: AcreTrader Review

Income Generating Asset: Your Twitter Account

21. Your Twitter Account

Did you know that one of the best income generating assets could be your social media account? 

You can earn $1,000’s extra each month.

I didn’t think social media could be so lucrative, but take it from me, I’m earning $1,000’s per month in passive income as we speak just from my Twitter account.

Earning Money on Twitter


- Unlimited income

- Work from anywhere

- Low financial investment


- High upfront time commitment

Potential Return


Time Commitment

High upfront

Minimum Investment


Best Resources

If you are looking for ways to make money on Twitter, then this section will give you, your blueprint.

When I first started my Twitter journey, I had no idea that you could earn passive income from your social media account… and that realization soon changed. 

Now, after about: 

  • 15 months 
  • several $1,000s 

…I can say with certainty that Twitter can change your life for the better – if you use the social media platform in a passive income generating capacity. 

Here’s how you can earn $1,000’s per month from Twitter:

  • Determine your Twitter niche
  • Optimize your Twitter profile
  • Download the Create 24/7 course
  • Use the strategies to grow your audience
  • Add consistent and high-quality value
  • Download the Twitter Affiliate Mastery course
  • Promote and sell great products

Building a credible Twitter profile takes a lot of time upfront.

If you’re new to Twitter and don’t know where to start but want to get a jump start ahead of the competition, then I highly suggest you check out the Create 24/7 course.

When I started my Twitter journey in May of 2020, I had no idea what I was doing – and at one point, I was even losing Twitter followers every day – until I found and practiced every strategy listed in the Create 24/7 Course. 

That transformed my Twitter growth journey.

What matters is the quality of your audience and not the quantity.

Once you have established yourself on Twitter, you will want to learn affiliate marketing by downloading the Twitter Affiliate Mastery Course.

The awesome part about affiliate marketing is that you don’t have to spend the time, money, energy, or research to create a new product.

All you do is promote someone else’s product to your audience.

The best feeling in the world is waking up to a sale you made overnight.

That’s when you know you’re earning passive income literally in your sleep.

Start your journey today.

What Income Producing Assets Can I Buy with Little Money?

Thanks to modern technology, investing in income generating assets has become easier, cheaper, and faster than ever before. 

If you don’t have $1,000’s of dollars, then you can still consider passive assets to invest in for very little money – for as little as $10, for example, if you invest in real estate with Fundrise.

This means:

  • Commissions are lower
  • You can invest with little money
  • Fees are (supposedly) not as complex
  • There are low investment account minimums

If you don’t have a lot of money but you want to start investing, then I would recommend you take a look at:

  1. Real estate investing
  2. Stock market investing

Here’s how you can invest with just a few dollars:

1. Real Estate

One of the most popular tangible assets to invest in is real estate because you receive rent and at some point, you can sell your real estate investment (which typically appreciates in price). 

Thanks to crowdfunding platforms like Fundrise, you can now invest in real estate deals for as little as $10.

The deal itself doesn’t come without risks, but it’s still a great way to earn money passively and build your wealth.

2. Stocks

Investing in the stock market is my favorite way to invest.

This is not a get-rich-quick scheme – it takes time. 

The good news is that you don’t need $100’s or $1,000’s to start investing in the stock market. In fact, all you need is just $5 if you start investing with Acorns.

The key to making money in the stock market has to do with consistent and long-term investing

However, the most important part is to start.

What are the Most Profitable Assets to Invest in?

As you can see, there are so many different income generating assets to invest in. 

Some of these passive income assets include:

  • Real estate 
  • Crypto accounts
  • Stock market investing

…And the list goes on. 

In the end, determining what the most profitable assets to invest in really depends on several factors.

Some of these factors could include:

  • The level of risk 
  • The upfront investment
  • Your level of time commitment
  • The timeframe of the investment
  • Whether your money is locked up

Of course, there is no “ideal” income generating asset. 

That’s because you can’t have a high income producing asset with no risk – the lower the risk, typically, the lower the income.

However, I can say that 90% of the world’s millionaires invest in real estate.

90% of millionaires invest in real estate

In fact, real estate is one of the most reliable wealth-building and income producing assets. 

While real estate investing was typically reserved for the high roller and exclusive millionaire world, thanks to technology, the average Joe can now invest in real estate too through what is known as crowdfunding applications like Fundrise.


Income generating assets are those assets that could earn you money even while you sleep. These assets could include stocks, bonds, rental income, etc.

Here is a list of income generating assets you can buy with as little as $10:

  • Stocks
  • Real estate
  • Index funds
  • Sports memorabilia
  • 401(k) contributions

There are several income generating assets you can buy now:

  • Stocks
  • Real estate
  • Rare collectibles
  • An online business
  • High-yield savings account

While there is no “perfect” income generating asset, some of the most profitable assets in the long term include:

  • Cryptocurrency
  • An online business
  • Low-cost index funds
  • Large-cap value stocks
  • Dividend-paying stocks
  • Real estate crowdfunding
  • Real estate rental property

Income Generating Assets: The Bottom Line

If your goal is to gain 
financial freedom, then you should consider investing in appreciating assets now.

Especially in today’s post-pandemic society, we can no longer rely on just our 9 to 5 job income to build wealth. 

It’s time to start diversifying with passive income investments.

Your bank accounts will thank me later.

Which income generating assets did you find most appealing? Let me know in the comments below!

Fiona Smith
Fiona Smith
Fiona Smith is the founder of The Millennial Money Woman. She holds her Master of Science Degree in Personal Financial Planning, has advised decamillionaires for 6 years in the corporate wealth management sector and has co-founded a local non-profit community teaching financial literacy. She is the author of the personal finance book How to Get Rich from Nothing and her work is featured on Forbes and FinCon.

8 thoughts on “21 Income Generating Assets that will Make You Rich [2022]”

  1. Thank you very much, Fiona. It was such a great learning experience reading through. I shall soon get into a side hustle…

    1. Hi Robert,

      It’s my pleasure – and I’m so glad to hear you enjoyed this article!
      Side hustles are such a great way to earn a little extra and make a lasting impact on your overall net worth. Good luck!



  2. Income generating assets are really important for financial freedom. In fact, regular and passive cash flow can take a lot of load off of you.

    1. You’re exactly right – the more income-generating assets you build, the more likely you will find financial freedom (and potentially leave a lasting legacy as well!).

      Good luck on your journey!


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