All posts by Mike

Review of Rich Dad Poor Dad- Where it All Began!

This is without a doubt THE “Godfather” of finance self-development books. In this review of Rich Dad Poor Dad book, I intend on showing you why this book was so valuable to me and also some of the lessons taught in the book.



The book is basically a personal finance book told through a parable. It’s all about Robert Kiyosaki’s “Rich Dad”, who was actually his friends Dad (a wealthy businessman), and his own “Poor Dad”, who was a well-educated teacher that never got to grips with money.

I can’t wait to get into it so let’s not waste any more time here…


Rich Dad Poor Dad- The Overview and Rankings

  • Name: Rich Dad Poor Dad, What the Rich Teach Their Kids About Money- That the Poor and Middle Class Don’t
  • Author: Robert Kiyosaki- 100 out of 100
  • Originality: 100 out of 100
  • Practical methods: 89 out of 100
  • Enjoyability: 100 out of 100
  • Price: Kindle $7.48/ Paperback $6.98/ Hardcover $19.98
  • Rating: 98 out of 100

Pros and Cons


  • Provides so much financial intelligence relevant to the information age
  • It can reshape the “normal” way you think about money (well it did for me!)
  • Explains complex financial terms in simple easy to understand language e.g. financial statements, assets, liabilities etc.
  • Provides so much motivation to want to learn more
  • Makes you WANT to take action
  • Shows how you can get started immediately for free- Words are free, so change your words!
  • Explains different asset classes- Business, Real Estate, Paper Assets and Commodities


  • The cheesy title can put people off.
  • It can come across as “salesy” or “preachy” and some people just never want to be sold to. Even if what he says makes perfect sense!


Who is RDPD for?

Anybody that is not happy in their current job. Anyone that wants to be able to live a lifestyle that they want. Anybody that doesn’t want to stress about not having money for the rest of their life. Anyone that is looking to invest their hard earned money into something. It pretty much covers ANYONE!

The book is easy to read, with so many stories in it. If you hate thinking about money and worry that you don’t understand personal finance stuff, this book makes it so simple! My only regret is that I didn’t read this book sooner.

If you type in “Rich Dad Poor Dad Book Review” into Google you will probably find a LOT of negative reviews. Why? Because people tend to look for negative reviews as they feel they can find out what they want to hear about a book.

Just think about any product you’re interested in buying. If there are 200 positives and only 3 negatives, do you read the positive reviews? Of course not! You’d search for the negative ones and decide if what they are saying is legitimately a reason to put you off or if they are just fussy or had a one-off bad experience.

Well as always I’m going to be completely honest with you, from my own point of view. You can make up your own mind about what you think.


The 6 Lessons

Lesson 1: The Rich Don’t Work For Money

Personally, I think this title should be: “The rich have money work for them”, which is actually the subtitle but this is the main lesson.

Trade your time for money… This is hands down the WORST relationship that people have in the information age! It is still ingrained into us that unless we put our own time into something we cannot get paid. This is true to a certain extent but the thing that has changed is that we can now put the time in once and get paid over and over again for this. Read more about this here.

A lesson that Robert’s “Rich Dad” taught him was not to work for money. He did this by getting Robert to work for FREE! Imagine if from an early age we did things to learn or for the internal joy of doing something.

I’ve actually learnt a lot about this concept in recent years as a teacher through “Positive discipline”. A large part of t

his is not rewarding students with points or medals for making good choices, whilst not “punishing” poor choices by removing something. The idea is to make the students want to make good choices for themselves, whether rewards or “authority” are present. As soon as a reward is given for an action, it becomes very hard for students to do the same thing again without a reward.

This is the same with us and money. Do you know anyone that says, “I’m not interested in money”? I bet it would be almost impossible to get these same people to carry on with their job if they didn’t receive a paycheck at the end of the month. This really questions what value and pleasure most people are getting out of their job! People have their job to get that paycheck at the end of the month.

Money can work much harder than we can 24/7… 365!


Lesson 2: Why Teach Financial Literacy?

This is hands down the most original, controversial game changer part of the book.

The 2 biggest terms I have learnt about money and when you wrap your head around these, your whole life can change:

An Asset = something that puts money in your pocket every month.

A liability = something that takes money out of your pocket every month.

With these definitions, this means that the big family home that you’ve worked so hard to get your whole life is technically… a liability!!!

Can you imagine how people felt when they heard this? There was uproar and people labelled the book as a joke… Then 2008 happened and people brutally found out what Mr Kiyosaki was talking about!



The above financial statements demonstrate how the poor, the middle class and the rich spend their money, respectively. I personally believe that when you understand these statements, everything you work towards buying will change (it certainly has for me).

The book says that you become rich by accumulating assets. For example, my rental property is an asset and this website could potentially be an asset for years to come. If people read this post in years to come and purchase something through this website it is a few hours that I’ve spent after a day at work that has unlimited potential in how much money it could generate for me.

I am putting the time in now to generate income over and over again in the future.

I read this book in 2014 but it wasn’t until the summer of 2015 until really understood this part of the book. Our house that we used to live in, in Buckinghamshire used to cost us pretty much all of the money that we earnt as teachers. All of a sudden we lived over 3,000 miles away and it was putting money into our pockets every month…

Our liability had become an asset!


Lesson 3: Mind Your Own Business

What’s your side hustle?

If you are in a job and you’re reading this, I would like you to think about this question a lot over the next week. If you don’t know, start to really think about your lives purpose, vision and values.

We need to spend more time sorting out our own finances rather than spending them on shopping. One of the main reasons why I do not advocate spending your time being frugal or finding great discounts etc. is that when you focus on increasing your income, you find you don’t have as much time to spend spending your money! The “live below your means” financial gurus are not telling you what to do, they are just telling you what NOT to do (and we already know this deep down!!!)

Increasing your income is a double-edged sword in a good way. Just like “positive discipline” you are focusing your mind on what you want to achieve rather than what you don’t want to achieve! If I told you to be frugal and to only spend 20% of your paycheck, you would constantly be fretting about money. If I told you to spend the next month learning as much as possible about affiliate marketing and writing a blog, you would spend your time learning a valuable skill, writing about things that interest you and you wouldn’t have as much time to spend your money on “stuff”!

We all know we don’t need half the stuff we have, we all know that we “shouldn’t” spend more money on clothes! But it’s hard to stop a habit until you can replace it with another habit (read more about habits here).

My question to you is why can’t this other habit be rewarding, enjoyable and be a side hustle?


Lesson 4: The History of Taxes and the Power of Corporations

BORING!! I hear you scream!

Yes, taxes may be the most boring thing on earth. But that is why accountants exist! Anyone with a great accountant will tell you they are worth their weight in gold!

I imagine some of the examples in this section are exaggerated slightly or are not overly simple, but I didn’t get too worked up over the particulars.

The main point is that if you are working as an employee you get ZERO help from taxes. If you use corporations, then you can have “business-related expenses” offset against your tax bill (and the great thing is you can carry on driving your car or using your phone all year!)

Since reading this part of the book Sarah and I have set up a limited company in the UK for our property business. We also have moved to Qatar, a tax-free country, but that was a side benefit of it to us (obviously!!)

We have quarterly (every 3 months) finance checks and use a Rich Dad template to assess our spending and income. I have just dug out one from April 2014 compared to September 2018, I am actually amazed at the difference (plus the passive income will increase over this next year).

The first statement is our April 2014 Financial Statement Analysis and the next analysis is our September 2018 Financial Statement.

If you want this financial template, (which does the analysis for you, all you do is put in your income/ expenses) it is included in the welcome email if you join the maketimeonline newsletter– check the sidebar or bottom of the page to receive this.

Being accountable is a great way to make changes. The only way you can be accountable financially is if you track your finances, so make time to do this TODAY (if you wait until tomorrow, life will happen and it will be tomorrow again and again!)


Lesson 5: The Rich Invent Money

What’s that… Money doesn’t grow on trees? Well…

This is a part of the book that Robert uses an example of how to create money from your mind. His example is a property deal that put money (tax-free as it was from a loan) into his pocket and generated a monthly income. I genuinely was bewildered by this concept and thought he must be making this up. However, we are potentially 2 months away from doing a very similar thing with a property that we have bought (I will keep you posted!)

However, the best way in today’s world to do this is through the internet! It has never been easier to create your own content or products (through information, books and online courses) and this is literally using your own brain to produce an income. You don’t have to spend ANYTHING on this (apart from time) and it can generate an income for years to come.

So money may not grow on trees but it certainly can grow from your mind!


Lesson 6: Work to Learn – Don’t Work For Money

Again, I’ll go back to the earlier example. Imagine if everything we did was to learn or for personal fulfilment?

Here’s my story after I left University:

I had NO idea what I wanted to do with my life! So I started applying for jobs just like everyone else. Jobs in London as a recruitment consultant, a salesman and anything that said something like “no experience required”.

I started getting some offers for certain recruitment positions but for some reason, I always talked myself out of it. I would think to myself that these people are too “pushy” or I didn’t want to commute to London every day or the pay wasn’t good enough (I don’t know what I was expecting!!!)

I ended up applying for one position that was a sales position “working in the field”. It turned out to be door to door sales! I turned up at 2 pm and was paired up with another guy and spent a day “in the field”.

When I got back to their office (around 9 pm – it was dark and I was exhausted) I had a chat with the guy who “interviewed” me. He explained how the post was 100% commission but you can move up the company and end up having a team beneath you (you’d earn commission on all of their sales). I left their office to find my car had been clamped and I had to call some number and pay this guy £250 cash! All in all, this was a very bad day!!!

However, for some reason… I nearly accepted it! I couldn’t explain why to any of my family and I thought I would be judged if I did. I hadn’t read this book yet, but it was because I wanted to “work to learn”. I just couldn’t explain this to anyone else.

That evening my Dad said there was a position in the pharmacy at his Doctor’s surgery, so I went in the next day and started working straight away. It’s safe to say that I learnt diddly squat in this job, so I moved into teaching 3 months later!


Why are the Title’s and Sub-Titles so Controversial?

Controversy Sells!!

Robert Kiyosaki jokes continually about being a “best selling author”, not a “best writing author”.

The title’s need to be controversial to get people paying attention to them. If he wrote a book called “financial statements- assets and liabilities explained” do you think people would even pick it up?

The theme throughout the book is how entrepreneurs get so many advantages compared to employees. Every entrepreneur needs to be able to sell. In fact, everybody needs to be able to sell, even if it’s just you selling your idea over what to watch on TV.

When you actually read the words in the book it’s hard to argue with. Some of the titles and language he uses to describe employees can be seen as offensive and demeaning. However, he actually still talks about some of the standard financial advice you hear from everyone.



His “rich dad” is actually quite careful with his money. Although he has a business and earns good money, he drives a “normal” car and doesn’t live in a mansion. Too many people equate rich with material things, but these same messages come up time and again. You don’t go and buy a Ferrari on finance!! When the cost of a Ferrari is pocket money, then you can pay cash if you must!

People become very defensive when they are challenged for living the way that they currently are. This can make them find the negatives in everything and miss all of the crucial potentially life-changing messages in the book.


What Have I Done Since Reading This Book?

I read this in 2014 (about 4 years ago). The number one thing I’ve done… I’ve learnt more!

This book sparked some interest that I didn’t even know I had… reading self-development books and improving myself continually. I have read well over 100 self-development books since this. Some have been great, others utter garbage, but I learn something each time.

Sarah and I have been on property courses and met some amazing people who are “crushing it” in life. Our business partners deal with millions of pounds worth of property, I have spoken with people earning 6 figures a month online and I continue to talk to new and inspiring people.

We started a UK property company, which focusses on buying HMO’s (shared house) in England. I certainly never thought I’d technically own 2 companies before turning 30!

We started a blog in 2017 and I have since started this online business. I want to help as many people as possible choose to do what they want in life and find ways to increase their cashflow, rather than having to work paycheck to paycheck. It’s all about creating TIME!

We now set goals annually, quarterly and weekly. These are broken down into smaller daily goals that help us to achieve our bigger and longer-term goals in the future.

We have changed our morning routine and daily habits. I got up early this morning and am currently writing this before going to work. Sarah is doing some yoga… If someone had told us we’d be doing this before work (we leave at 6 am!) a few years ago I would have told them they are crazy. The reason we do this is due to a book called “The Miracle Morning“, which was actually a recommendation from Robert Kiyosaki!

At no point does Robert directly tell you what to do. It is open to interpretation and depends on what your own goals are in life into which route you take.

The main message throughout the book is to keep learning- how can this be a bad thing?



Rich Dad Poor Dad: The “MakeTimeOnline” Review Final Word

This book has literally changed my life. It was the first real self-development book I read so it’s hard to say whether I am biased towards it because of that, or if the book is really that good!!

On that same note, if I had read some other self-development book that was painful for me to read (and I’ve read a lot of these!) then there’s a good chance I would have not bothered with them anymore!

The main lesson is understanding assets and liabilities. The key to becoming “rich” is to acquire assets and limit your liabilities.

For me becoming rich means creating a life where I have the time to choose what I’d like to do. I have some monstrous goals that I’d like to achieve in life, and I know I’m not going to be able to do this by relying on a paycheck each month.

This book was my first jigsaw piece to figuring out how to make money online to free up my time. I continue to find new pieces all the time but I wouldn’t have even started looking if it wasn’t for Rich Dad Poor Dad.

Keep changing for the better,




If you have any questions and I mean ANY questions about RDPD, please leave them below. If you have read the book before or have any of your own opinions I’d love to hear from you too.


If you are interested in making money online to free up your time, have a look at my #1 recommended program here, which I am currently using.

How Our Wealth is Being Stolen

Sarah’s Grandparents bought their family home in London in the 1960’s for about £4,000. It is now worth around £450,000! It has increased by 11,250% in under 60 years! Or the annual growth has been 8.48% on average!

I know what you’re thinking… Property in the UK (especially London) is an amazing asset… NO, NO, NO and NO!!

If this is the case, everything is an amazing asset… because of inflation, our wealth is being stolen!

The average annual growth of 5 common assets since 1960.

You may be wondering if it’s even worth reading this drudge! But if I do this properly I hope you can understand the current world monetary system a bit better. I promise to try to keep it as simple to understand as possible (please note I don’t claim to know everything about it and I would highly recommend doing your own research to back this up)…

I am not a financial advisor but this may affect every future financial decision you make.


What is inflation?

First of all, it’s important to understand what inflation should not be. It should not be the price of things going up.

The definition of inflation should be the expansion of the currency supply from money being printed (the government call this the monetary base). If there is more money available to buy the same things, it is natural for the price of goods and services to go up.

The price of things going up is really a SYMPTOM of inflation. The reason we can tell this is by looking at some history.

The US dollar came into existence around 1775. Prices of goods were only 20% higher in 1913, and were actually 40% lower than they were during the war of 1812. So it’s fair to say that prices went up AND down in this time frame.



  • Term: 138 years
  • Amount to save initially: $1,000
  • Amount to add each year: $100
  • Interest paid annually: 3%
  • Total amount in 1913: $252,736
  • Amount of inflation since start date: 20%
  • Total paid in: $14,800
  • Inflation-adjusted amount (1775 purchasing power): $210,630

There are 2 things to note from this example:

  1. Interest rates were consistently higher than 3% for this period- so the final amount could have been much higher
  2. It used to make sense to save money because inflation didn’t really exist.


However, in 1913 the federal reserve was created. This is a PRIVATE organisation, with a balance of ZERO in its bank account who have managed to control the world monetary system as we know it today. This PRIVATE organisation decides when to “print money”.

They have played a huge role in removing the dollar from the gold standard. Currencies used to be pegged to gold i.e. $20 US would buy 1 ounce of gold. This means that it is easy for governments to print money as it doesn’t really matter how much money exists as it is not backed to anything (this is called a fiat currency).

Since 1933 (when currency started to get removed from the gold standard) inflation has rocketed. See the graph below:

It’s important to understand the difference in definitions of inflation. Not only has inflation been recorded as rocketing from 1933 but the world’s monetary supply is currently increasing MUCH faster than the price of goods and services (so the graph above should actually look a lot worse!)

This begs us to ask the question… why are the prices of “things” not increasing at the same rate as inflation?


How does the government measure inflation?

Most people know that the government doesn’t want to look bad… Well, inflation is one way the guy in charge can look bad! If prices of things go up a lot in a short space of time, the public would question this and could potentially revolt against the system.

The CPI (Consumer Price Index) is how the government reports inflation. However, they should probably call this the CP-Lie (see what I did there!!)

The Bureau of Labor Statistics (BLS) takes a selection of goods and services and tracks their prices throughout the years. This is a perfectly logical way of checking inflation… Apart from they don’t use the ACTUAL price and they don’t always use the SAME items each year!!


The sneaky buggers can use 3 ways to make inflation seem more “acceptable”:


  1. Deletion (Governments rational- just bin that one lads, it’s gone up 10%!! Food and energy are too volatile and seasonal. It’s OK though because no one actually needs food or petrol anyway?!?)
  2. Substitution (Erm… lets also just compare that Sainsbury’s finest beef to this Tesco Value chicken… Hey it’s now 10% cheaper for that comparison… BONUS!!)
  3. Hedonic adjustment (knock the price down because the quality has gone up e.g. because cars now have reverse cameras (or better technology) in them lets just say this £10,000 Kia is only £9,000. That sounds fair doesn’t it fellas!?”)



From 2000 to 2008 inflation was reported at 22% using the “CP-Lie”. Inflation has never been over 4% since 1992 and was often below 2% according to the “CP-Lie”.

Using data from the CPI has actually been over 6% annually from 1992-2008 and the latter years has been over 10%. So a more accurate CPI would be a 64% increase from 2000-2008

This means that if you have money sitting in a bank it is LOSING purchasing power all the time… and not just by a little bit but as much as a 10% decrease in purchasing power in one year!



  • Term: 138 years (to make it comparable to the first example)
  • Amount to save initially: $1,000
  • Amount to add each year: $100
  • Interest paid annually: 3%
  • Total amount in 2018:$252,736
  • Amount of inflation since 1913: 2446% (this is up to 2018… the inflation will be MUCH higher by 2041)
  • Total paid in: $14,800
  • Inflation-adjusted amount (1913 purchasing power): $9,927

There are 2 things to note from this example:

  1. Banks do not currently pay anywhere near 3% and there will be more inflation- so the final amount will be much lower!
  2. Our wealth is being stolen by inflation. The numbers may be going up, but is our purchasing power?


The table on the right shows the CPI (more accurately the CP-Lie!) and monetary base since 1960.

As you can see in the highlighted cell, the monetary base (real inflation) has increased at 10.6% per year on average since 1960 (which makes investing in property in London not look as amazing as we first thought!)

Looking at this more closely you can see that CPI pretty much kept up with inflation until the 1990’s e.g. in 1978 the monetary base increased by 11.4% and in 1981 the CPI was 10.3%, which makes perfect sense!

However, in 2008 the monetary base increased by 99% (So it had taken about 220 years to expand the US monetary base and in one year they doubled it! Yes you are reading that right!!) but the CPI only increased by 3.2% in 2011. If this is not enough proof that the CPI is being manipulated then I’m not sure what is!

Note all this information is hidden in plain sight. Have a look at and please do your own research to back this up!


What should we do?

I am very aware that this is not interesting to most people and graphs and numbers can seem very confusing. So I want to try and explain what this means for us in day to day life.

If you like the vast majority of people interested in saving for your future and are working hard for your money and living frugally, then here are my top tips:

Tip #1 – Do NOT stick your money in a bank and leave it there!! You obviously want some sort of buffer in a bank account that you can access instantly in emergencies. Some people recommend 3-6 month worth of expenses but I think if you have some more liquid assets (easily accessible such as stocks or gold) then you don’t even need this much depending on your lifestyle or job.

Tip #2 – Educate yourself more about different investments and asset classes that interest you. There are 4 main asset classes: Property (or real estate if you’re not from the UK), business (read more here about business CENTS), commodities (gold, silver, oil, wheat etc.) and paper assets (stocks, bonds, mutual funds, or index funds).

Tip #3 – Do NOT just invest for the long haul. Due to the current financial system and inflation, you will not actually be improving your purchasing power even if you make 8% return every year. It is possible to make a much better return in every asset class listed above but to do this you need to invest in yourself and educate yourself!

Tip #4 – Build your network- Start talking to new people who know what they’re doing. This has never been easier! With social media, you can literally join a group on Facebook, become active on there each day and after a month you will know who knows what they’re talking about and who doesn’t. Just send them a private message and ask them some questions.

The real relationships start building when you make phone/ skype calls with these people. Since I moved to Qatar I have made more meaningful connections to people living in England that are dealing with millions of pounds worth of investments, all because of Skype and social networks and me becoming brave enough to chat to new people.

Tip #5 – Expand your means. Have you ever heard of these financial gurus telling you to live below your means and live frugally? This is absolute trash!! This advice would have worked before 1913 as inflation didn’t really exist. Obviously, don’t go spending more than what you earn, but rather than focus on reducing your spending what about focusing on increasing your income?

I know, I know, you received a 2% pay rise since last year in your job. What your employer doesn’t tell you (or probably doesn’t even know) is that it is actually an 8% pay cut compared to it’s purchasing power due to inflation. Find ways to increase your income! Click here to see how I am doing this.

Tip #6 – Start doing! The best way to learn is by doing the real thing. If you don’t want to lose money, most things have a trial period or a “fake money” account to start with. If you have an idea, just Nike it!


Doing the real thing is by far the best way to really learn and remember. There are other ways to learn along the way!

The Make Time Online Summary

If you look up the definition of inflation it will be the rate of goods and services rising. In actual fact, this is really the symptom of inflation. Inflation is really the increase in the monetary base. Before 1933 inflation didn’t really exist as money wasn’t printed until the federal reserve came to exist in 1913.

Inflation is currently reported by the CPI (or CP-Lie), but this figure has been manipulated to be much lower than what it actually is.

This means living frugally and investing for the long haul no longer works. We need to find ways to increase our income if we want to be financially secure in life.

I know this can be a hard pill to swallow but all of this information is out there. It only takes a quick google search to back up what I’m saying here.

The question is, do you want to be ignorantly bliss (and get a rude awakening in the future) or are you going to do something to make sure you are prepared?

Keep changing for the better,



Please leave your thoughts and comments below, I really believe this is vitally important for people to learn about and I always want to hear others opinions on the matter.

If you are interested in making money online to free up your time, have a look at my #1 recommended program here, which I am currently using.





Some useful books to read if you want to learn more about this:

The Crash Course- Chris Martenson

Guide to Investing in Gold and Silver- Mike Maloney 


Websites to help research:


The Circle of Profit Book Review- Can Your Passion Make You $1 Million?

Can your passion make you $1 million? In “The Circle of Profit” book review you will uncover the truth behind the book and I’ll let you know what my own experience has been so far.


The Circle Of Profit- The Overview and Rankings

  • Name: The Circle of Profit
  • Author: Anik Singal- 99 out of 100
  • Originality: 85 out of 100
  • Practical methods: 90 out of 100
  • Enjoyability: 60 out of 100
  • Price: Kindle $10.46/ Paperback $16.97
  • Rating: 83 out of 100



Pros and Cons


  • Simple methods to start using affiliate marketing
  • Break down of the circle of profit and how you can start right now
  • How to start making money online as you go
  • How to create your own products using your own passion
  • How to use email marketing to connect and engage with your audience
  • Free videos to help explain each step
  • So many practical tips throughout the book.


  • Makes it sound TOO easy
  • Selling of a FREE Webinar- which turns into a $997 course- The Inbox Blueprint
  • Not a super enjoyable read as a lot of it is practical content instead of stories (there are some stories in there to balance it out- but it’s one of those books that you will need a pen and paper with you)


Who is “The Circle of Profit” For?

Anyone wanting to have a successful online business! It really does show you how to get started using email marketing and the 2-phase process that being an email marketer can make money online.

Phase 1 is using affiliate marketing to start earning an income through your online business. Phase 2 is how to create your own content to really expand your online business.

I have learnt a lot about creating an online business over the past few months. The more I have understood how online businesses work the more I have realised the importance of using email marketing (basically collecting email addresses and sending them regular emails).

Turn your Passion into Profit

Most people that make money online have an “email list” and I have heard from numerous people that wish they started collecting email addresses much sooner.

The reasoning behind this is that you have someones undivided attention in an email. If they read something on social media they can easily skim over it or not even see it due to the platform’s algorithms (techy stuff that each social media platform has to decide what you see on your timeline). You can build trust through emails and it will only be seen by people who have chosen to access it.

Anik suggests that a rough figure is $1 per month per email that you have. i.e. 10,000 email addresses equates to $10,000 per month (roughly).

It is 100% worth a read if you would like to understand how it is possible to make money online and it has helped me to learn so much!


So What Actually is “The Circle of Profit”?

It is an email marketing program. It shows you how to use affiliate marketing and eventually your own products to make money by emailing your audience. The main 2 things to do are collect email addresses and sell products.


1. Passion Product

Discover your passion! The idea is to find a niche that you are interested in. If you’d like more information on how to find this, I go into more detail in “how to find your niche” (the video on here can save hours of unnecessary work that I went through!)

2. Opt-in Page

Create an opt-in page with an offer of a free gift in return for the visitor’s email address. This is a standalone website that collects email addresses.

3. Autoresponders and Newsletters

An autoresponder is a programme that collects email addresses and automatically sends out emails. This is a crucial part of any online business and without email addresses (or an autoresponder) your online business won’t exist.

The 4 that he mentions are:

  • SendLane (his own autoresponder)
  • GetResponse (I am currently using this one)
  • Aweber
  • iContact

There are other free autoresponders such as Chimpmail or Mailerlite, but I have found both of these to block my account due to messages sent. They really notice affiliate marketing links and don’t allow these to be sent in an email, so they may not be the best ones to try with an affiliate marketing business (top tip- A workaround is to put your blog links into the emails and put the affiliate links in the blog posts, which seems to work fine on both free servers).

4. Get traffic

The fastest and easiest way to get traffic (visitors to your website- in this case, the opt-in page) is to buy it from the targeted sources. Traffic is the lifeline of every online business.

Anik mentions a variety of methods such as posting on forums or blogs (which appears to be outdated slightly/ are seen as spam on most blogs), Facebook advertising and email media (paying someone else that has an email base to send out an email for you).

5. Affiliates, Relationships, and Networking

Anik really knows his networking. He has built relationships with top-class entrepreneurs like Bob Proctor and Robert Kiyosaki.

He shows how having a good connection to other affiliate marketers can help you (and them) to build your own brands.

6. Passion Product

I thought this part of the book was amazing. Anik explains how to simply create a product within your niche that you can start selling.

This will be the long game and make the most profit in the long run but you don’t necessarily need it to start making money initially. His explanation of written, audio or video products and how you can outsource some or even all of it, means it doesn’t have to be a daunting task (obviously you pay for this with the money already made through affiliate sales!)

7. Sales Funnels- Frontend/ Backend

Anik talks about needing to know how to draft a proper sales message – written, audio, or video. Sales funnels are the key to multiplying your revenues.

I don’t disagree with him on that but I do know that getting upsells can be really annoying when you think you have just bought a product and it turns out the upsell is ACTUALLY the product you wanted. So make sure if you have upsells they are clearly different from the products you are originally promoting i.e. online course to personal coaching.

You have your leads and you have your sales. What do you do with them? Well, as with every other business – you sell them more stuff. This is the part that I found very hard to read when I first looked at it. However, Anik puts it in a way that makes it seem more honest and acceptable to me.

Selling is good and necessary. Have you ever found a great deal when out shopping? It may be a super cheap holiday or a bargain on a pair of trainers. Do you keep that info to yourself or do you tell all your friends about it? It’s the same online! If you find a great product that works, then tell your audience about it (equally tell them if you try a product and it was terrible)… they want to know!

8. Profit

Once you have everything down and connected – you launch your products. Either a full-blown time-sensitive launch or a rolling launch. You decide!

That’s when you make your money. And what do you do with the profit you make? You re-invest it into growing your business.

Make more products around your passions, drive more subscribers through your opt-in page, and create an authority in your niche.


Does this Actually Work?

There are so many success stories throughout the book. Anik mentions loads of “his” students that have been through the training and obviously they have all done amazing!

As with most salespeople, he forgets to mention the ones that don’t do so well. Reading between the lines on the huge success stories it is clear to see that most of these people had some experience of working online or a business already up and running. So it’s important to take these stories with a pinch of salt if you are brand new to working online.

What I must say is that I have spoken to a few people that have been through his inbox blueprint course (which he highly recommends throughout the book… so if you don’t like that sort of thing this is your warning about it!) All of these people seem to be very happy with the products and learning they have received from using it.

I’m yet to speak to anyone who is earning MEGA bucks or who have told me exactly the monetary results from the course, but I’m yet to speak to anyone who has hated it and found it a waste of time.


My own experience

So I read the book, I got super excited about it and thought I had found the answers to all the questions I was looking for. But (how did you know there was a but!!) it turns out it’s really hard to get people to give you their email addresses… Yes even though I was offering a FREE e-book!!

I set up my email list on Chimpmail.

I made an opt-in page and pretty much copied one that was in the book.

I spent time setting up my initial 10 emails to send out to all the subscribers I was about to get.

I spent a couple of days putting my free e-book together.

I used the Facebook advertising method and spent £20 to get about 3,000 relevant people to look at my advert.

I managed to get about 200 people to click on the link and view my opt-in page.

And I managed to get a big fat total of…. ZERO people subscribe to my email list!! (enter “throw the toys out of the pram” tantrum)

It was sooooo disheartening spending all that time creating the free e-book & email responses to have NOBODY even look at them!!! I then re-read the book (yes front to back). I realised I went wrong on step ONE!!!!! Step bleeding ONE!! I didn’t even clear the first hurdle (Muppet!) I realised I didn’t even check out if my “niche” was profitable. 

This is a huge reason as to why I’ve written an in-depth post about “how to find your online niche” and made a video to show you step-by-step what you SHOULD do to get started (and just in case you were thinking about starting a niche of “health, success and happiness”… DON’T!!! It is so broad that it’s not even close to being considered a niche and pretty much includes every human on earth that is interested in it… which is why that won’t work online- you have to be clear and specific in what you do!)

I also realised I didn’t know how to sell. I have since learned that people buy on emotion… not logic. They will often justify the purchase with logic after they have been swayed emotionally. So my logical and bullet point adverts did not get people emotionally involved at any stage. You literally have to spell the dream out to them or hit a specific problem that they already encountered.

It’s a learning curve and I learnt heaps! I keep finding the following quote to be so relevant to my life currently:

“I never lose. I either win or I learn.”

That really helped me put things in perspective after this painful ordeal!! Check out my advert compared to some random advert I just saw on FB. You can see the difference right!?


My advert doesn’t solve anybody’s problem. It doesn’t really sell any dream. To be honest, it just looks like it will be a waste of time to even read it, so why would anyone give up their private email address for this!?

This advert is clearly solving a problem… How to run a PROFITABLE online business from scratch.

It’s something that some people would REALLY want. If they already know they want to start this, and the video of the guy can attract them in then they will give up their email address for FREE to receive a shot at getting what they want (btw I literally just found this so can you see how powerful FB adverts can be, Facebook knows that I have an interest in making money online to free up my time and so it specifically sends me adverts related to this!!)

How I make passive income online

It wasn’t that long ago that I was still trying to figure out how it’s possible for people to make money online.

I wanted to find a passive income system that ticked a few boxes:

  1. I could work on part-time when I wanted (I was still in a full-time job)
  2. Therefore I needed it to not cost a fortune to start and maintain
  3. Didn’t need me to sell stuff to my friends and family

UPDATE- In September 2018 that I found Wealthy Affiliate. At the end of 2019 I quit my full-time job to dedicate more time to it.

I had no idea where to start with an online business a year before, but this has shown me step-by-step what to do.

The best thing about it is:

  • It’s free to start
  • Qualified traffic is brought to you for free (just think about how you found this review… there was no money or time spent from me promoting this!)
  • You get me as a personal coach to help you on your journey (someone that has been through the exact same process to help you avoid the mistakes I made, but not too far ahead to forget what it feels like)
  • You don’t need ANY technical skills to start

When you try out this program you will see why so many people recommend it.

The Circle of Profit book review: The “MakeTimeOnline” Review Final Word

I think everyone should read this if they are interested in making money online as it has a step by step guide into setting up a profitable online system.

The information is all there in the book.

If you already have a business or some basic sales skills then this book would really compliment these skills with practical advice on how to use email marketing.

It really simplifies the process, which makes it easy to understand. However, it also means that it sounds really easy to do when, in fact, a lot of these things take time to learn or figure out. You still have to create content to get started such as a free gift and promotions to get people looking at your opt-in page.

Beware of the promotions for Anik’s courses such as the inbox blueprint. As I say I have only heard good things about this course but it does seem like it’s a product to get after you already have a clear niche and some understanding of how affiliate marketing works.

It comes at a steep price of $997 so you really need to be certain that creating an online business is for you.

Keep changing for the better,


P.S. Since you’re still here, I’m assuming you’re interested in making money online to free up your time. Click here to read my review of my #1 recommended program and join the form below to learn how to build an online business with no experience.

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    2019 Jaaxy Review- Best SEO Keyword Research Tool

    ‏Can you imagine getting FREE traffic to your website whilst sleeping? Well, finding the best SEO keyword research tool will certainly help you do this.


    Simply perform a search below to start your research.


    After you read this short article, you will feel a sense of relief that it’s possible to get this FREE traffic.

    So settle in amigo and read on to find out!


    best SEO keyword research tool


    Jaaxy- The Overview and Rankings


    First… What is a Keyword?

    A keyword is the word OR phrase typed into Google or another search engine (i.e. Bing or Yahoo etc.)

    So why does this matter to you?

    Because if you know what people are typing into Google you can create more content that people are searching for.

    Therefore people will naturally visit your website for free!

    Second… What is SEO?

    Search Engine Optimisation.

    Simply put it is making your website easier to find on search engines such as Google, Bing or Yahoo etc.

    Monkey simple… Next!


    Want to Write Like the Best Online Writers? Get the hypnotic cheatsheet and simile/ analogy book for FREE







    What is Keyword Research?

    Let me ask you this.

    What is the capital of Tuvalu?*

    Not sure… well go and work it out then come back and read some more.

    I bet if you actually did that you went into Google and found the answer within seconds.

    Did you see it on the Wikipedia page at the top? But if you were to scroll down you will probably see a load of random peoples websites.

    These websites have got onto page 1 on a Google search because of a number of reasons:

    1. The page has a keyword that matches what was typed into Google (i.e. “What is the capital of Tuvalu”)
    2. The web page has relevant content to what was typed in
    3. They provide valuable content to their audience regularly.

    However, the most important factor here is number 1.

    If you create specific content for a keyword that fits EXACTLY you’ve got a higher chance of being ranked on page one of Google!


    Here’s a fact for you:

    Google’s entire business model is built on MATCHING the right content to their users intent

    Now read that again.


    Now if you’re like me you’re probably thinking…

    “Will many people even be typing that into Google?”

    Well, does the Pope wear a funny hat?

    best SEO keyword tool


    181 people type this into Google PER MONTH! (see the screenshot above)

    The fact is that the websites on page one of Google will receive regular visitors to their website every month from people typing in the keyword “what is the capital of Tuvalu”…

    Now imagine you had 10 or 100 or 1,000 posts that are on the top page of Google.


    Are you beginning to see how you can get free traffic?

    Wouldn’t it be amazing if you could find certain keywords that people search for every month and have hardly any competition from other websites?

    Hence, the keywords you put onto your website’s pages you can increase the chance of receiving FREE traffic every month to your site.


    In Affiliate marketing, MORE traffic means MORE sales and more sales means more money.

    So if you can get traffic for free, it is effectively more money for free!

    This is a big step in the right direction for you to create more TIME, which is the whole purpose of this website!

    Little by little you begin to see why keyword research is pretty important…


    Who is Jaaxy for?

    Imagine what you could do if you could get free traffic to your website EVERY month.

    Are you still looking for the best SEO keyword research tool?

    And have you noticed yet that Jaaxy can help you to find keywords that have little competition, so it’s more likely that you can reach the desired page 1 of Google?

    This is what the online world calls SEO (Search Engine Optimisation). It is a method of bringing people to your website every month for free.

    It’s another great way to decide on a specific niche if you’re just starting out.

    Click here to read more about how to find your niche.

    If you are currently using affiliate marketing or thinking about starting to use affiliate marketing, then the best SEO keyword research tool is a must!

    Here is a list of people that may use Jaaxy:

    • Anyone with a business
    • Niche pursuers
    • Article marketers
    • Freelance writers
    • Professional bloggers
    • Domain flippers
    • Site flippers
    • Online / Pay Per Click advertisers
    • YouTube marketers
    • SEO companies
    • People who want to ‘spy’ on their competitors
    • Viral-news website owners looking for new trends to leverage
    • Internet marketers wanting to know how high their sites and posts are ranking on the SERPs
    • Local marketers
    • Local businesses
    • Affiliate marketers
    • Email marketers wanting to find hot topics to discuss with their subscribers.

    Click here


    Jaaxy- How to determine a “Quality” Keyword?

    Here are the MAIN features of using Jaaxy explained:

    best SEO keyword tool

    Monthly Searches (Avg)

    This is the total number of searches that the keyword produces on search engines each month.

    The HIGHER this number the more people will visit your website.

    So look for over 50!



    If you achieve 1st-page rankings this is the estimated amount of visitors you will receive to your account.

    Just think about it…

    Will you receive many visitors if you do not rank on the search engines first page? (think back to the earlier example of Tuvalu, did you even consider clicking onto page 2 of the results?)

    Again the HIGHER the number the better!

    And do you being to notice that the monthly searches column is more important because traffic is an estimation?


    Quoted Search Results (QSR)

    This is the BEST indicator for you to look at.

    This shows you the number of competing websites ranked on Google for the keyword.

    The lower the number the more chance you have to rank on Googles page-1.

    Ideally, the number should be below 100.

    Keyword Quality Index (KQI)

    Shows how likely it is you will reach page-one on Google.

    This is a quick way to determine whether the keyword will be a good marketing campaign for you to use.

    If it is green and says Great then it may be a good option

    If it says normal and is orange then you should probably look for another campaign to start.

    Red= don’t even bother

    SEO Power

    This is a score for the keyword based on traffic and how much competition.

    If your keyword has <10 monthly searches then you will not receive any traffic (as nobody cares!)

    If there are hundreds of competing websites then it’s less likely yours will feature on page 1 of a Google search!

    You want this number to be HIGH and ideally over 90.

    Alphabet Soup

    If you type in your keyword into Google it will pop up some common searches beneath.

    For example, a common headline for articles starts with “how to become…”

    Beneath it brings up some ideas for what people search for on Google:

    best SEO keyword research tool

    If we go one step further and click on “how to become rich…” we end up with more results appearing below:

    best SEO keyword research tool

    In a moment, you’ll see how the alphabet soup function in Jaaxy really saves you TIME.

    Once you have your post idea you just type the letters of the alphabet one at a time to come up with hundreds of ideas that people are already searching for

    For example, type in “how to become rich a…” “how to become rich b…” “how to become rich c…” etc.

    best SEO keyword research toolbest SEO keyword research tool

    If you are struggling for content ideas this is a super simple way of generating hundreds if not thousands of ideas.

    Have you noticed yet that you know other people are already searching for these ideas?

    The best thing about Jaaxy is that it does this all for you.

    And gives you the option to then do your own research in more detail or add to your brainstorm queue so you can see these keywords together.

    best seo keyword research

    Saved Lists

    Wouldn’t it be amazing if you could put all of your ideas in one place and then compare them against each other?

    Enter “saved lists”!

    Remember the main goal of keyword research is:

    Get as many monthly visits to your website by reaching the top page of a search engine for your keyword.

    This walkthrough for how to use Jaaxy shows you how I can find a good key phrase to write a blog post or YouTube video for.

    Top tip: Find your keyword before writing the post (this gives you the focus throughout!)

    Is it Worth it?

    Do you remember that my promise is to always be completely honest with you?

    Now, I can almost hear your mind saying “as a relative newbie to the affiliate marketing world, are there other things that I should be spending my time and money on?”

    100% YES!

    So here are 2 things that you will NEED to pay for before this:

    1. Hosting
    2. Affiliate marketing training

    If you are just starting out and are not creating useful and engaging content already, then spending $49 a month on a Keyword Research Tool would be more silly than electing Donald Trump as the US president!

    Related Articles

    Now, let me ask you this “Would you pay for a service that provides regular visitors to your website EVERY month?”

    If you would then getting the best SEO keyword research tool will help your website stand out like Shaquille O’Neil at a midgets convention!

    Are you beginning to see how important the best SEO keyword research tool is?

    As you read each word on this page you will see why people who upgrade their Jaaxy account say it is easily worth $99 per month to them.

    Imagine what it would be like if your research on one post helps you get an extra $99 each time… hence, it pays for itself and some!

    best SEO keyword research tool

    Wouldn’t it be amazing if you could get your SiteRank worked out for you and tracked?

    The Pro version tracks up to 2,000 websites and the Enterprise version tracks up to 10,000 websites for a specific search.

    Can you see how useful it would be to see how your website is progressing and improving over time?

    Want to Write Like the Best Online Writers? Get the hypnotic cheatsheet and simile/ analogy book for FREE






    My Recommendation

    Try it out for free!

    What do you have to lose?

    Type in a search below to start your keyword research


    Jaaxy Pro version is a no brainer if you already have your website going and you have had some affiliate marketing training (through a legitimate course!)

    Just picture this for a moment… You are already making some decent money each month and you are looking to scale your online business…

    Therefore, the enterprise version will help you do just that!


    • Are you still relatively new to affiliate marketing?
    • Have you been trying to make money online for a while now but you’re NOT seeing the results you were hoping for?

    In the next 2 minutes, you’ll find out how I get to use Jaaxy.

    I don’t pay separately for average hosting.

    I don’t pay separately for my training.

    And I don’t pay additionally for Jaaxy.

    Because I get all of these things (and more) as part of my Wealthy Affiliate membership.

    Here are some things included in the Wealthy Affiliate membership:

    • Hosting (people pay over $200 per month just for this type of hosting- you can easily move your existing website here to benefit from this hosting)
    • Site Rubrix (helps build a great website in 30 seconds, then helps to track and add content to your website)
    • Community Support (hundreds of thousands of people- there is ALWAYS someone on there to help)
    • Affiliate marketing training (AMAZING CONTENT- constantly updated)

    You also get the “lite” version of Jaaxy, which has pretty much everything the pro version has (see video above).

    So you effectively get the best SEO keyword research tool for free!

    Click here to join Wealthy Affiliate for free!

    Make Time Online Summary- Best SEO Keyword Research Tool

    The closer and closer you get to the end of this article the more you realise that Jaaxy is the best SEO keyword research tool.

    And as you are thinking about using the alphabet soup function, you become excited at the idea of getting content ideas on tap!

    Earlier on, I asked you the question

    Have you been trying to make money online for a while now but you’re NOT seeing the results you were hoping for?

    If you want different results, do not do the same things.

    Albert Einstein

    You’ve got to wonder what you could do if you were able to receive FREE traffic so that your website can become more and more like a business instead of a job.

    Keep changing for the better,


    p.s. If you have any questions and I mean ANY questions about Jaaxy, please leave them below. Also, if you have used Jaaxy or another keyword tool before then please also add your opinions below.

    p.p.s Are you serious about making money online to free up your time? I would advise you to check out my #1 recommended program here

    *The capital of Tuvalu is Funafuti (CONGRATS!)

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    Get comfortable being uncomfortable

    It is impossible to make a change when we are comfortable. The fact is that growth only occurs in a state of discomfort.

    So our aim should be to “get comfortable being uncomfortable” (or seek discomfort in our lives). Let me give you an example to explain what I mean…

    Do you ever get uncomfortable when you have to walk to the fridge to get some food? Do you even notice that you walked there?

    However, when a baby learns to walk it will try to stand up and fall over. It will take a step and fall over again. The baby doesn’t fall over once and give up. They won’t just say, “Oh well I guess I will just crawl for the rest of my life!”

    The baby knows that it wants to walk! It has to walk! It doesn’t matter how many setbacks there are on the way to learning how to walk, they will get through them and they will learn!

    At the start, it is uncomfortable for them. But once we master it, it becomes something we don’t even realise any more. We become comfortable at something that used to be uncomfortable. 


    I have written about this before on the first blog that Sarah and I started. I always find it weird how the same idea comes up a few times in one week. I’ve never known if this was because I am aware of it so I notice the same thing popping up in conversations or if there is some weird magic going on.

    The three times it has popped up in my life over the past week:


    Strike 1- I was on a course about coaching

    This seems to be a popular term in business currently. I was in England last week and the keynote speaker told us a story:


    There were a couple of moose hunters in Russia, Slav and Nikita.

    They went out hunting and caught a huge moose just before Christmas. A small snow plane stopped near where they had killed their moose so they asked the pilot if he could give them a hand taking this monster back to the local village.

    The pilot said, “no, no, no the plane won’t take off if I tie this huge creature to the bottom of it!”

    Slav turns to Nikita and says, “that pilot last year did it without hesitation have you still got his number?”

    At this point, the pilot thought that if they have done this before it must be possible so he agreed to give it a go.

    The plane starts moving and takes off just before the big trees. It climbs higher and higher but it can’t avoid the huge tree behind the first big one… The plane comes hurtling back to the ground and everyone is thrown out of the plane.

    Nikita calls out “Slav!! Where are you?”….

    Slav replies, “about 100 yards further than where we got last year!!”


    The point of the story is that we can improve or we can change. Did Slav and Nikita improve from last year? Yes! Would it have been better if they had changed their plan to get the moose back to the village? Definitely!

    First, figure out what you need to do and then carry it out… But change is hard! Doing something differently to how we have always done it requires us to move out of our comfort zone.

    This is the same with everything we do in life.



    Strike 2- Youtube

    I look on youtube and the first video that pops up is a TedX talk about “Why comfort will ruin your life”.

    I thought the title was a bit extreme so naturally, I watched it!

    It turns out Bill Eckstrom is talking about the exact same thing. To grow we must become uncomfortable. The best thing that happened in his life was getting fired in the financial crash of 2008. He was forced to become uncomfortable and it helped him do things he never imagined he could do (including give a Ted Talk).

    He talks about the four growth rings:

    Stagnation- This is the zone where we will not grow. We are just going around in circles and there is no place for creativity or control.

    Order- This is a place where we repeat the same cycle but we are comfortable. It’s easy to do and we feel in control because it brings us regular rewards or some level of satisfaction. However, we do not grow and improve in this ring.

    Complexity- This is the zone where true growth happens. This is the place where we can become better and learn. To get here though, we must become uncomfortable.

    Chaos- In this ring, we are not learning, we are not growing, things are out of control and chaos unfolds around us.


    There are 3 ways we can get into the complexity ring.

    1. It can be forced- We are thrown into the complexity ring by an external force.
    2. Someone can help you get there- This is often the role of parents, teachers and coaches to help people we want to succeed get there. It is too easy to stay in your comfort zone, so we often need someone to help us get there. This is why so many people have personal trainers or why sports teams have multiple coaches.
    3. Trigger it yourself- This is, of course, possible but it is far too easy to stay put. If you don’t want to pay for a coach or you would rather not have something forced upon you, you HAVE to trigger this yourself.

    Take, for example, our health. If you never exercise and only eat Big Macs you WILL become ill. Your lifestyle will be forced to change either because you end up in a hospital or because your doctor or loved ones help you to change.

    However, if you can be proactive and make sure you exercise and mainly eat healthy meals, there is a good chance you will remain in good health.


    Strike 3- Instagram

    I put a quote on Instagram saying

    “action is the antidote to fear”

    Someone replied telling me to get used to being uncomfortable. I thought that was just weird, but like I say maybe I was looking for it!


    Make Time Online Summary

    If we truly want to see growth within our lives then we have to start triggering discomfort ourselves. We need to find a way to move into the complexity ring by ourselves without having to rely on other people to put us there.

    If we don’t do this with our financial life, sooner or later, we will be forced into this ring and there’s a good chance we’ll end up in chaos (just like with our health when eating Big Macs all the time!)

    The more I learn, the more I realise the internet is sure to be the future of businesses. It’s never been easier to start an online business, yet there are still so few people, in comparison to the masses, that have realised this!

    If you want to see how I’ve started my online business, then check out my #1 recommendation here.


    Keep changing for the better,



    Do Most People Hate Their Jobs?… Research says YES!

    Since 2000, Gallup has polled millions of employees from over 200 countries to work out the answer to “do most people hate their jobs?”. They reported that 85% of all people hate their jobs.  

    Work has been reported more often a source of frustration than fulfilment for 90% of employees. Employees that don’t enjoy their jobs typically are “emotionally disconnected” and “disengaged”. Some countries in Asia and Africa have a much higher rate of “disengagement” but even more developed countries, such as the United States, has 70% of employees that hate their job.

    The question begs to be asked. Why do so many people hate their jobs?


    5 Things Forcing Employees to Resent Their Jobs

    Longer Hours

    Employees are expected to work longer and longer. Working weeks of over 50 hours (don’t forget to include travel time!!) is very typical for a lot of jobs. Due to the high competition for each job people feel they have to justify why they have this position and therefore work longer!

    Trivial Work- Low Self Gratification

    More and more “service jobs” (McJobs) are being filled by overqualified people. Technical positions are being shipped overseas to cheaper areas. This means employees are left with a gap not being filled. They do not feel like they are contributing what they can to society and are left with that empty feeling.

    Not Rewarded for Hard Work

    The majority of jobs still pay people based on how many hours they work. Employees sign a contract that says something like “I will work 45 hours a week, with an expectation to do more on some weekends”. The employee gets paid the same amount every month no matter how well they do they job.

    Our Wages seem to be Going Down

    “Each year my pay goes up (slightly) but every year it feels harder to do the same things I did last year”. I remember a colleague telling me this when I first started teaching.

    This was around the same time that was reading and learning a lot about the world economy (because it never made any sense to me!) The short answer to this concern is that it is true… 100% true. Inflation means that our money doesn’t go as far each year, unless your employer hands out 10% pay rises (I’m not even joking about the amount – stay tuned for a future post about inflation… it’s frightening!)

    Does Job Security Even Exist Anymore?

    Remember employees don’t get paid extra for doing great work… well they may get fired if they don’t do their job well enough! I remember hearing Ross on friends saying that he got “tenure” at his job. I had no idea what this meant at the time, but it has historically been possible for people to get a job for life. People under 30 are probably not even aware this is (was) a thing!

    So What Can You Do?

    To be honest, there is a way out. The Internet has literally created a new era for human beings and it’s called “the information age”. Knowledge becomes information and information is money in today’s world. Therefore, all you need to get started is some knowledge about anything… and not even a lot because you can (and will) learn as you go.

    If you were to work as hard on the Internet as you were at your job you would 100% be more successful (in terms of value you provide, self-gratification and money that you earn). There are lots of reasons for this but here are a few (to read more click here):

    • It’s easy to build an online presence (Click here to build a website in the next 5 minutes)
    • There are fewer barriers to starting your own online business compared to most businesses (you just need a laptop, or phone and internet connection)
    • There are more people online every day = More money being spent online every day
    • Make money by the second, not by the month.

    One of the worst relationships we have is… using time to earn money. It has been ingrained into us that the best way to earn more money is to work harder and longer. It’s important to remember that if you have grown up with “formal education” you have been taught how to become an employee.

    The information age creates so many NEW opportunities that our teachers, parents and their parents won’t even be aware of. It’s important to think carefully about where we receive our information from.


    Are You Too Comfortable?

    Do you really HATE your job? If you do that’s great! It’s so much easier to change something when we reeeeaaaaallllllly HATE it.

    If you are one of those people (like me!) who actually quite enjoys their job but you feel like there is more to life than doing it for the next 20-50 years, then, unfortunately, your situation is harder. You are too comfortable right now so it makes changing very hard as you have to visualise your future self. EURGH I KNOW!

    What a lot of people will do when they really hate their job is quit… and then find another one. The problem is that a few months or years down the line they are back in that same position. So they quit and find another one. I’m sure you get the idea.

    So the bad news is you are likely to be unhappy with your current job situation (like 85% of people). The good news is there is a way out of the day to day grind, and no experience is necessary!

    My current working space

    Do you Want to Change?

    If you are ready to make a change you have to know that it will require more work of you right now. The key here is the words RIGHT NOW. It doesn’t mean you will have to work harder or longer forever (or even for too long).

    The plan is to stop NEEDING to work full time. When this happens you will actually work a lot less. To get to this stage without giving your whole lifestyle up right now you will have to work harder initially.

    I am currently putting in an extra 2 hours every day (Sarah keeps telling me off when I spend more- like right now… Coming Dear!!!), so note it doesn’t have to be a huge commitment. I have spoken to people that started with 5 hours a week and some that stayed up late each night to commit more time to their online business.

    Just remember we want to separate ourselves from the time and money relationship. What you DO with that time is far more important. Unfortunately, when starting out it can seem overwhelming and hard to know what to actually do.

    This is why I’ve started using Wealthy Affiliate. There is step-by-step training to help you get your online business up and running… no matter what you’re interested in! The support is amazing, any question will get answered quickly as there will be someone else that had the exact same thought before. You will 100% have support from at least one person too (me!)

    If you have any questions or want to vent about something at work please leave them below. I’m sure that I can personally help you out as I have been there and done that!


    Keep changing for the better,



    If you are interested in seeing how I started my online business and the current training I am using then check out my #1 recommended program here.

    Millionaire Fastlane Review in PDF – Do What Makes Financial CENTS!

    “The Millionaire Fastlane” review in PDF will show you how it is one of the most straight-talking, to the point, eye-opening books that I have ever read.

    BEWARE of this disclaimer straight away: This is not for everyone! MJ De Marco is very blunt, there’s definitely a bit of over exaggeration and he will say something that you probably won’t like.

    A lot of the ideas in his book are about making some big money (over $200,000 per month according to MJ). If this is not something you are interested in learning then this book may not be for you.

    However, with the way the world’s financial system currently is, you are either on the Fastlane or you’re going backwards.


    The Millionaire Fastlane – The Overview and Rankings

    • Name: The Millionaire Fastlane
    • Author: MJ De Marco – 89 out of 100
    • Originality: 98 out of 100
    • Practical methods: 78 out of 100
    • Enjoyability: 95 out of 100
    • Price: Audible $24.95/ Kindle $5.81/ Hardcover $12.49
    • Rating: 89 out of 100


    Pros and Cons


    • Gives you one massive kick up the butt!
    • Practical advice into what business to start to get on the fastlane
    • Helps to question the status quo- does living in the rat race really have to be normal?
    • Makes you want to stop wasting your time! Is playing fortnite or watching strictly come dancing really enjoyable or are you escaping?
    • Shows you why your most important asset is TIME (I’m sure you know I agree with this one!)
    • Become a producer rather than a consumer
    • Working for money makes no sense!


    • Does a bit of author bashing- even though I completely agree the name dropping is not needed- he even criticises Robert Kiyosaki, who I actually think is promoting the same thing as him!
    •  Can be overwhelming to hear so much of what we know is apparently so “wrong”!


    Sidewalk, Slowlane and Fastlane


    MJ claims the “Sidewalker” has no financial plan and spends surplus money immediately on new gadgets, a new car or trip.

    They believe they need to use time and money right now as they don’t know what tomorrow will bring. They will gamble and buy lottery tickets in the hope it brings them the big bucks!


    The “Slowlaner” knows that if they save their money now they can invest it in the stock market and in 50 years their $10,000 will become $4 squidrillion due to compound interest.

    They believe their job is their sole source of income.

    The issue for the slowlaner is that it takes their whole life to get their hands on this money and due to changes in the financial system or their pension scheme, they may never see this money or it isn’t worth as much due to inflation and taxes.


    The “Fastlaner” knows about another way.

    A way where the more they help others, the richer they become in time, money and personal fulfilment.

    They don’t have to wait 50 years to start living this life it can be in 5 or 7 years time. They know that it won’t be easy but every time they fail, they learn, which helps for the next time.


    Who is this book for?

    This book is for people that really want to change their lifestyle and be able to own time so they can choose ANYTHING they want to do.

    MJ will literally question everything you currently know about money and how to earn it, even though most of his financial ideas are nothing new… he makes them sound new!

    However, I can almost guarantee that some people will stop reading half-way through or they won’t even pick up the book because he is too direct and comes across as pretty arrogant. This doesn’t take away from the fact that this guy talks sense and knows his stuff.

    So it is my job in this blog post to ensure you get the main points from his book because I feel like they are too important to not be known!

    The main question that can really help you decide how to start a business is this simple question…

    Does it make financial CENTS?

    Here are the 5 most important commandments to ensure your business is on the Millionaire Fastlane.



    “You are either in control of your own financial plan or you aren’t, there is no in between.” MJ DeMarco

    This is a very important commandment but most people will not even realise whether they are in control or not until further down the line. A great example is network marketing. You will hear about some network marketers that will do very well for themselves, or you may even be one.

    However, if something was to change in that company tomorrow that meant you couldn’t sell their products anymore, all your income would disappear overnight.

    That is because you do not control the company. You own a job managing and creating a sales organisation.

    Obviously choosing the right company in the first place could offset this risk and I’m not saying you can’t earn some good money (over $20,000 per month) from network marketing. You will just never earn “big” (over $200,000 a month) or “legendary” (over $1 million per month) money from this… unless you own the network marketing company!

    What should I do then?

    Start creating your own brand or business.

    Even as an affiliate marketer (promoting other people’s products online for a commission) this is something you can do. You can start selling other people’s products but create your own brand at the same time. Eventually, you can create your own products for this brand and really take control.

    So would you rather be a driver or a hitchhiker? In General:

    • Drivers create network marketing companies; they don’t join them.
    • Drivers sell franchises; they don’t buy them.
    • Drivers offer affiliate programs; they don’t buy them
    • Drivers offer employment; they don’t get employed
    • Drivers accept rents and royalties; they don’t pay rent and royalties

    Some questions to ask yourself:

    • Do I own the company?
    • Am I reliant on another platform or someone else to make money?
    • Do I have a diversified income stream or am I reliant on one income source?



    Is it easy to start?

    If it is… it won’t be on the Fastlane!

    Working a JOB, Investing in stocks, starting network marketing, buying a special kit that has a website made for you for $40 are all examples of things that are super easy to enter into.

    If it’s something that everyone is doing, then you will become just like everyone… and everyone isn’t wealthy!

    It’s actually quite a well-known investing technique (which hardly anybody does due to fear and greed) that if everyone is buying something you should be selling it. It was the same with the dot-com bubble in 2000, the property bubble in 2008 and the crypto bubble just at the end of last year in 2017.

    Just afterwards when people want rid of their “terrible” investments would have been a perfect time to buy these investments whilst they were on sale… time will tell if that’s the case for certain cryptocurrencies.

    What stops everyone from doing it?

    If there is something that stops everyone from doing it then there will always be a level of difficulty and therefore it can be a better opportunity.

    It’s important you figure out what this is and are prepared for this.

    For example, consistency of working on your business is a big reason why everyone is not an affiliate marketer. It is relatively easy to set up a website.

    But it is not easy to set up an autoresponder, be present on social media platforms, have an email list, create quality content and consistently add value to your audience.

    You must be prepared to be consistent.

    The only way to beat the masses if everyone is doing something is to be exceptional. You do not have to always reinvent the wheel but you do need to be prepared to put the effort in.


    Need- possibly the most important Commandment

    Does it solve someone’s problems?

    People will ONLY care about what your business can do for THEM!

    Do not ever believe anything else.

    You may have found something completely unique and something that you think you would love to have. However, you have to surrender your own wants and address the wants of others (people are innately selfish according to MJ!)

    Chase Needs, Not Money!

    Are you doing something to solve problems or are you doing it to make money (Wantrepreneurs)?

    A lot of people will make this mistake.

    They will think about something that they are an “expert in” or something that they think can make them money. This is the WRONG way to think!

    I think this is why business people typically have such a bad name for themselves. People associate business owners with chasing money.

    However, the best business owners will actually chase needs e.g. Richard Branson, Mark Zuckerberg, Elon Musk and Bill Gates.

    The niche is so important

    I didn’t start my affiliate marketing business for ages.

    I thought about it for a long time before acting on it (it’s been something I considered when Sarah and I started our first blog in mid-2017). This is because I knew the niche was very important (thanks to MJ).

    I thought about some type of fitness, self-development, food, happiness niches just to name a few. However, I decided on my “making money online” niche because I could see there was a demand for it. For one… I wanted it!

    I was no expert in this niche!

    I didn’t just dive into starting a business when I read Rich Dad Poor Dad in 2012. I ensured my business idea made financial CENTS and I checked to see if people needed it. The more I work on it, the more of an “expert” I am becoming.

    Click here to read more about how to find your niche.

    Is your business different?

    Something I realised about financial advice gurus was that they nearly all focus on SAVING money and living BELOW your means (frugal has become this cool word thrown around on Twitter).

    Even really successful financial gurus such as Dave Ramsey, Tony Robbins and Andrew Hallam focus on these things.

    I get why they do this and I understand so many people need to do this more, after all, it is the foundation of getting our finances in check.

    However, what people really need to do more of is increase their financial intelligence.

    Doing this will help to find ways to make more money and expand their means (or solve other peoples needs)! Plus it’s much easier to be passionate or get excited about living a lifestyle that you really want rather than cutting back on things.

    Some examples of fastlane thinking:

    • Make them look better (nutrition, exercise, clothing, makeup).
    • Raise a positive emotion (love, happiness, laughter etc.)
    • Educate them.
    • Make things easier.
    • Enhance their dreams and provide hope.
    • Give them security (housing, safety, health).

    Only follow your “love” if the market wants it

    This has to be the most common mistake! You will hear a lot of affiliate marketers who claim “do what you love to make more money” (Wealthy Affiliate‘s training can even be interpreted like this).

    However, it’s crucial to realise there are niches that do NOT solve needs as an affiliate marketing e.g. being an affiliate of underwear will never be profitable!


    Choose a profitable niche that you are interested in… make money… you will then develop a passion for this niche (note that a passion and a love for something are two very different things)

    Still on the search for a business idea?

    Start listening out for pain points of people and what people want. These are some common phrases to look out for in daily life:

    • I hate…
    • I don’t like…
    • This frustrates me…
    • Why is this like this?
    • Do I have to… ?
    • I wish there was…
    • I’m tired of…
    • This sucks…



    Can the product exist in time and standalone without your connection to it?

    This is an area where people starting a “business” get confused. If you need to work to earn money, you have created a job, not a business!

    Your business should be able to bring money in at any time of the day… including when you sleep!!

    Does it serve while you are away?

    One of the most important things to do with a business is to automate it. If you need to do everything in the business it will be impossible to grow. The more value you provide, the more time you will need to give.

    The beauty of affiliate marketing is that you can use systems and hire people (on an hourly basis or part-time) to help grow and improve your business.

    The goal is to get away from the worst relationship ever created… your time for money.



    Scale is about leverage

    There are 6 business habitats (plus real business examples):

    1. Local community (pool)- Tanning salon
    2. City (pond)- Upscale Restaurant
    3. State/ county (lagoon)- A fitness business
    4. Regional (lake)- A property developer
    5. National (sea)- A big bank
    6. Worldwide (ocean)- Internet company

    The 2 ways to scale

    Net Profit= Units Sold x Unit Profit

    Imagine you were selling sandwiches at a local store. How many can you sell in one day? Fifty? A hundred? How many hours are there in a day? Can you see how scale is limited here?

    This guy could scale his business by making more stores across the country and increasing his reach but his unit profit will always be limited (max $10?). He can only ever sell to people physically coming into the store and during certain hours of the day.

    The best thing about starting an online business is that your products scale but your work doesn’t. You literally can reach the whole world and unit profit can easily change (depending on what you are selling or promoting).


    Millionaire Fastlane: MakeTimeOnline Summary

    If you are not in the fastlane you will be going backwards in today’s financial world!

    The world has really changed since the internet was invented and the gap between people using it to help them and those that are not will only get bigger.

    Making money online meets all five of the commandments.

    It is one of the few types of businesses that does this.

    It’s clearly written in MJ De Marco’s book but it’s up to you how you use the information.

    To be on the fastlane you need to make financial CENTS. Possibly the most important lesson is that when you chase people’s needs, money will flow to you. So figure out what people want and need and help them solve this problem. Stop chasing money!

    Keep changing for the better,



    If you are interested in seeing how I started my online business and the current training I am using then check out my #1 recommended program here.

    Autopilot Profits Review 2018: Blatant Scam… Here’s Why

    So here is the Autopilot Profits Review 2018. It is important that I make this clear right from the start… I have NOT tried this product.

    I seriously looked into using this program about a month ago (around the same time that I tried FMPS) and there were some things that really made me question its legitimacy.

    I wanted to share what I have learnt about the product from online research and how I assessed whether the program was a scam or not.

    Autopilot Profits- The Overview and Rankings

    • Name: Autopilot Profits
    • Owner: Ewan Chia
    • Website URL:
    • Support: 5 out of 100
    • Training: 10 out of 100
    • Success Stories: 9 out of 100
    • Price: $37 (plus numerous upsells)
    • Rating: 8 out of 100

    Pros and Cons


    • 60 day Money Back- It is a Clickbank product, which means it is usually easy enough to get a refund.
    • Motivation from Ewan Chia (who should maybe stick to being a motivational speaker!)


    • UPSELLS!! I hadn’t even bought anything but the page pops up with potential add-ons. Other reviews claim there are 14 upsells in total
    • Lack of quality training- From the reviews that I have read there are only a handful of useful videos. Most of this stuff can be found for free on YouTube.
    • No clear direction- hard to tell what the product actually does
    • Blackhat lessons (naughty tricks)- the training provided is about how to use unethical methods to trick people into thinking they will gain some value.
    • Fake promotions- It claims there are only 4 seats left to claim the product at a price lower than originally offered if you try to click away. It even has a countdown timer to pressure you into buying.

    What Makes Me Believe This is a Scam?

    1. Big Claims and Unrealistic Expectations

    Ewen Chia boasts about buying Ferrari’s to motivate you into buying the program. It is great that Ewan has managed to do this and it’s important to celebrate success. However, as soon as someone starts boasting about big lavish claims that this one program can get you it is a “Red Flag” online.

    It should be pretty obvious that this one program hasn’t provided this lifestyle, but other areas of Ewan’s life. However, let’s dig a bit deeper…

    2. Creating an online ATM in 24 hours without touching it

    So Supposedly we can get 10 “online ATM” machines that pay us while we sleep, without needed to do anything to it… “or even think about it!!”

    If this claim is not a red flag then I don’t know what is!! The phrase “it sounds too good to be true” springs to mind! And you know when you hear that about making money online, it probably is… I’ve learnt this the hard way.

    3. Lack of support

    The Facebook page has a whopping total of 88 people that like the page! The bit that makes it a bit more concerning is that there are no comments from anyone on the page, despite the numerous posts from Autopilot Profits. This seems a bit strange when comparing it to a legitimate program like Wealthy Affiliates with 8,800 likes and regular interaction.

    4. An average rebill total of $0 on Clickbank

    For me, this says everything I need to know about a product. If the rebill total (people that buy more from the company) is less than the initial sale it’s clear that the people that buy the product do not rate it and do not buy more from it. The fact it has a big fat $0 rebill total says it all.

    5. It has 14 Upsells

    Here’s a breakdown of the prices and upsells of Autopilot Profits to help blow you away…

    1. Autopilot Profits – $37 but will become $27 if you try to click away.
    2. Mega Traffic Package – $67
    3. Autopilot Social Profits – $147
    4. Instant Websites – $197
    5. Ultimate Free Traffic Software – $297
    6. Traffic Millionaire – $19.97/ month
    7. Shortcut to $10k – $9.97
    8. Super Affiliate Millionaire Online Workshop training – $297
    9. Cash Biz – $29.97
    10. Traffic Avalanche – $37
    11. Copy Paste Income – $37
    12. Complete Business Setup – $297
    13. MTTB – $49 + 19/month + $1997
    14. Pure Leverage – $24.95/month + $19.95/ month

    Total expenditure if you were to buy everything – $3,804.75!

    So it’s not like there isn’t anything else to buy from Autopilots Profits, which confirmed my suspicions about the $0 rebill total on Clickbank.

    6. Spam emails

    I received 5 emails in one day from Ewan and I haven’t even bought anything!! If this is the way he is going to train me to make money online, then I really need to consider if I want to be that guy…

    I know that you want to stay on people’s minds but 1 a day is more than enough to do this. Anything over 3 a day just becomes a nuisance!!


    Autopilot Profits Tools & Training

    You will be provided with a 59-page “e-book” (see here) and 20 videos. The longest video is 10 minutes but most of the others are 5 minutes or less. To be fair for $27 we shouldn’t expect much more!

    There are 3 basic elements to the training program:

    Training #1 – Learning the system (Basically you just get a brief overview of how the internet works and how to create a squeeze page- this is a one-page website where you try to get people to sign up to your email list, usually providing them with something for free)

    Training #2 – Setting up the system (Lessons on traffic through solo ads and how to get affiliate links to promote)

    Training #3 – Profit with the system (More traffic lessons)

    Personally, I wanted a program with training as I was new to making money online. From my research, this did not look like it would be sufficient.

    Autopilot Profits: The “MakeTimeOnline” Review Final Word

    To be honest there is not much more to say. There are so many red flags on this program that it was hard to see it as anything but a scam.

    It’s important to remember I haven’t actually tried it out so if you are brand new to making money online there’s a chance there will be some useful information in there. The challenge will be to find the little nuggets that get lost in between all the upselling!

    If you have used or currently have a membership please also add your review below.


    If you are serious about making money online, I would advise you to check out my #1 recommended program here

    Why You Should Make Money Online Part Time

    Is it really hard to make money online part time? It certainly is not going to be really easy, but is anything worthwhile really easy?



    Here’s a list of things that are very easy to do vs something that requires more effort:

    • Ordering a takeaway pizza vs cooking a tasty healthy meal
    • Watching football on the TV vs working out
    • Reading a novel vs writing a book
    • Playing computer games vs creating a computer game
    • Browsing Facebook vs making real connections with people that are “crushing it” on Facebook

    I’m going to let you decide which ones are worthwhile and which ones suck time away from us.


    How Can I Make Money Online?

    A quick Google search of this sub-heading will bring up hundreds of blogs with people telling you hundreds of ways you can make money online. From filling out surveys to selling domain names to selling your services on platforms such as Fiverr and Peopleperhour.

    These are all legitimate ways of making money online and they may be a great way to earn some side income whilst you are getting started online (providing you have the time to do this).

    However, what I am mainly talking about in this blog is affiliate marketing and creating your own online business.

    Primarily through writing useful content and providing links to other peoples products or services through “affiliate links” (click here to read more about how to use affiliate links). The goal is to eventually create your own products or services and set up an online business that provides an income without you having trade your time for money.


    What are the Benefits of Making Money Online?

    Make money while you sleep

    Without a doubt, the biggest benefit of making money online is that we can spend time today to pay us over and over again in the future. Jobs require us to trade our time for money. If we have a long-term sickness or do not turn up to work, we cannot make money.

    The internet has changed this old fashioned way of thinking about work. We can work in the day and get paid whilst we sleep at night.

    Most people get paid based on the number of hours they work each day. Making money online allows you to get paid by the second for 365 days of the year. 

    Unlimited potential

    Therefore, there is unlimited potential to how much money you can earn online. There are no pay scales and no promotions on the internet. There are just billions of people online with unlimited amounts of money to spend (if you understand the financial system today with quantitative easing [printing money] you will know how true this is).

    Small upfront costs compared to most businesses

    Making money online should be treated just like starting a business. Most businesses require you to put up a lot of cash to get started, such as renting office space, hiring staff, purchasing goods and stock etc.

    Getting started with your online business can be completely free.

    There are some things that you will need to put in place if you are serious such as website hosting, a domain name (your website URL- e.g. or an autoresponder (a website that collects email addresses and automatically sends emails out for you). However, the costs of these are very minimal compared to most businesses.

    No staff required

    You literally do not need to rely on hiring, paying and managing staff. This is quite often what businesses will rely on to make them work effectively. You may have a super idea, a great product and vision, but you will always be relying on staff to carry your vision out for you in the majority of businesses (as you can’t be everywhere all the time).

    Getting started online requires only one person. YOURSELF.

    You literally get all of the benefits of the work that you put in and you don’t need to worry about training, providing benefits or managing staff. 

    Start Part Time

    You can start part-time by putting in an hour a day or a few hours a week.

    You don’t have to quit your job to start an online business.

    You can work on it at any time as you don’t need to wait for opening hours and you can write on a word document if you haven’t got an internet connection.

    Easy to scale

    This is a huge benefit of an online business! There are systems and things that you can do online to make your business go from reaching a handful of people to reaching hundreds of thousands, without changing what you do. Over 3 billion people all over the world currently use the internet.

    Autoresponders can send an email to 2 people or 2 million people.

    There is nothing you need to change to do this, you still just write one email and the autoresponder does the rest for you.

    Even though you do not need to hire staff, you can still outsource work that you do. For example, I am currently writing all of my own content, responding to all comments and advertising my own work all by myself. However, using websites such as Fiverr and Peopleperhour these tasks can be easily outsourced to professionals on an hourly paid bases. 


    The above screenshot is the outline of my post, which I do before writing anything. This could be sent to a virtual assistant to expand and write the content for me.

    You can pay people to reply to comments that you receive and you can pay for adverts to promote your website and “drive traffic” (bring visitors) to your website.

    This is when you know you have created a business and not only created another job.

    There is a big difference and being aware of this difference is what separates the most successful business people to someone that tried and gave up (I bet you’ve heard that 7 out of 10 businesses fail within the first 10 years before… this is a big reason why)


    Why Isn’t Everyone Doing This?

    It is not taught in schools

    Our current education system teaches very little about starting businesses.

    There is pretty much zero good financial education within our schools. 

    However, the internet has really changed the business game. Teenagers can start an online business due to it requiring such little funds. You don’t have to be an expert in anything, anyone can write/ record whatever they like and publish it online.

    The challenge is getting visitors to look at your work. This is a big reason why so many people try to “become famous” or use TV shows to “put their face on the map” (those people that go on Love Island [a British reality TV show in case you didn’t know] each year are not as stupid as you may think!!)

    Most people don’t know it’s possible

    Most people finish their education without knowing what they really want to do. The vast majority of these people are completely unaware that they have permission to create a business let alone actually try to create one.

    Making money online is still seen as a “strange thing to do”. Older generations generally have no idea this is even possible so why would they want their children or grandchildren to pass up on their education or “secure job” to spend time on something they do not understand?

    It’s easy to get disheartened

    The results are not instant. There are programs offering amazing results overnight. They will promote their success stories of someone who earnt $10,000 in their first month of an online business. What they won’t tell you is that this person already had 100,000 active followers on Twitter, a bank full of money to advertise and they worked on it for 14 hours a day solid for a month.

    So when the normal working mum with 3 kids puts in an hour a day for a month without paying for any adverts and doesn’t earn a penny she thinks, “Why should I bother!?”

    Actually, an hour a day for a month is 30 hours, which is not even one full working week. Yet people expect to replace their full-time income straight away. To be in this game we need realistic expectations.


    But It Sounds Too Hard

    What is your Why?

    I want to tell you a quick story about what I have seen since moving abroad in 2015.

    In the first summer holidays when we started teaching in Qatar, Sarah and I went back to England and I dragged her to a free property investment seminar. I sold it to her on the basis that we are starting to earn more money and we should start thinking about what we are going to do with it. I’d read “Rich Dad Poor Dad” a few years before and I had become more and more obsessed with property.

    It was during the three day course that we ended up signing up to that I came across this question for the first time. What is your why?… strike 1. I had never even thought about this before.

    I had never even considered why I get up in the morning and go to work. What was my motivation?

    We were told to really think about it that night and we ended up writing something vague such as for our future selves (LAME!!!!)

    Anyway, the next year I went on a course with work and the PE team in Bangkok. When we walked into the first workshop, the screen on the slideshow said:

    A man with a why can cope with any how.

    The underlying theme throughout the 3-day workshop was to think about your story and what your WHY was… Strike 2.

    We then went back to work in our next year and the whole staff training was based on thinking about your WHY using your passion and bringing out the children’s passions… strike 3!

    Finding a “why” is so important in anything that we do because when it gets hard, it helps us to continue. It helps us to know that what we are doing has a purpose and there is a reason for doing it.

    Be realistic

    Starting any business is hard. There is no way around this fact. If we can only dedicate half an hour a day to it when the kids go to bed then that’s what it will have to be to start with. However, doing this for 3 months is the equivalent of one week of full-time work. So we should expect to see one weeks worth of results, not 3 months worth!!

    Make it a habit

    The most important thing here is doing it every day because momentum is so important. If we want to do 7 hours a week, it is much better to do an hour a day (at the same time) than to do 7 hours on a Saturday and nothing for the rest of the week.

    If we have 6 days away from it we will forget what we were doing previously. We will not be productive for all 7 hours as that is too long to work for in one go. So that 7 hours will probably be the same as about 4-5 hours of productive work. 

    There’s always something that comes up! So making it a habit means you can choose a time when you know you haven’t got anything else going on each day and it makes the workload more manageable.

    Set small targets that are not financial

    Rather than focusing on how much money you want to come in, you can set goals such as a number of words to write in a month or visitors to get to your website. You have more control of this and this can help you to ensure you are doing the key tasks each day instead of fretting about the big fat $0 in your affiliate account.

    Use support

    It can be a lonely process starting an online business. Whilst one of the benefits is that you don’t have to manage anybody else, you also don’t get to bounce ideas off your colleagues or employees like you would in most businesses.

    This is the main reason that I would recommend starting with a program such as Wealthy Affiliates. You can speak to like-minded people and get insights into what works for others doing the same thing. 

    And as the saying goes…


    “If it was easy, everyone would be doing it”


    But I Don’t Have a Passion

    I have written a post all about how to choose a profitable online niche. The most important part to remember here is that if you don’t have a really strong passion for ONE thing in life, just choose one that works for you.

    You do have to be interested in it as you will have to spend time thinking about it and learning more about it. However, an interest is enough to get started.

    It will actually work more like this…

    Find a profitable interest… make money online… it becomes a passion.

    Don’t worry if it’s not a passion right now, get started and it’s almost guaranteed to become one.

    You don’t have to reinvent the wheel. Choose something that you can see working online and maybe choose a sub-niche that you can start writing about.

    You don’t have to be an expert right now. Let the internet follow your journey and if you stay consistent with it, you will become an expert.


    MakeTimeOnline Summary

    To sum up, it’s important to remember that making money through affiliate marketing is still a business. It’s not going to be super easy, but as long as you have a reason why you are doing it, then it will be easier to keep going when it becomes hard.

    You will never “find the time” to do anything, you have to make time. Set a time each day where you know you will be able to work on your online business. Maybe you can get up an hour earlier, or maybe when you get home from work. It doesn’t matter when as long as you can be productive during this time.

    Look at the benefits again for creating an online business. Making money when you sleep, the small upfront costs and the unlimited potential outweigh any negatives of an online business for me.

    Remember, that if you are not sure what your niche should be, choose one and start. You can always change or retweak what you are doing to work better for you in the future.

    Keep changing for the better



    If you would like to see how I started my online business and what training I am currently using to grow it click here.

    Five Minute Profit Sites Review – Massive Scam… but

    So here is the Make Time Online Five Minute Profit Sites review.

    Can it really make you $519 a day with just 17 clicks and under 5 minutes work?

    It shouldn’t take too long to decide what you think about it… but there may be a surprise compared to most reviews on this one (I actually learnt some things!)


    Five Minute Profit Sales Review- The Overview and Rankings

    • Name: Five Minute Profit Sites (FMPS)
    • Owners: Sam Smith (who is (s)he???… I know the singer but…)
    • Website URL:
    • Training: 35 out of 100
    • Support: 0 out of 100
    • Success Stories: 0 out of 100 Non-existent online (apart from what they show you!)
    • Price: Free for a week ($7 per month after)/ $37 plus 3 upsells (the prices are baffling!)
    • Rating: 12 out of 100


    So What Made Me Try This? 

    There was a very good reason why I thought I’d give it a go. It was FREE!!!! (for a week)

    The really weird thing is… it doesn’t seem to be free for a week anymore!! I’ve checked out other people’s reviews and everyone says it’s $37 as does the website now.

    It looked like a simple way to get an effective opt-in page up and running. Read on to find out what it actually does.


    Let’s Start With the Positives

    • You Actually Get an Opt-In Page Up and Running
    • You just follow ready-made videos to do this (well you should be able to…)



    • It teaches you the basics of what Email Lists are



    • All the content is pre-made for you
    • It shows you the step by step ways to sign up and get started with ClickBank
    • It shows you the step by step ways to sign up and get started with GetResponse (an autoresponder- an email sending and collecting program, which is crucial for any online business)
    • You can get some bonus Amazon Affiliate documents from your own opt-in page ($1,995 value- I have no idea how they get these values but there is 1.8GB of information about Amazon Affiliates here)



    • It shows you some basic traffic methods that are quite useful to be aware of. I learnt about Udimi, which is all about paying for “solo ads” (more on this later)



    How does FMPS really work?

    If you’ve looked at it already, it says that with 17 clicks and 5 minutes you can have a profitable “website” up and running.

    It recommends 23 minutes of work a day and you could be earning $519 a day (why so specific and after how long?!?!)

    What it actually does is set up an “opt-in” page for you, which you have no control over.

    I’m not doubting that the opt-in page would work to get other people to sign up to your email list.

    However, it is not set up in a way that will help you to start building a good relationship with your audience. It is VERY salesy and performed by an obvious actor reading a script.

    So you are left with a page that looks like this…



    The subscriber receives the free amazon gifts and then goes through to a Clickbank University Affiliate link…



    All that is left is for you to start getting thousands of people to your page, throw some epic house party and roll around in the $519 dollars that you make each day.

    … Or maybe not

    So let’s get into it…


    What Makes Five Minute Profit Sales a Scam? 

    Here are the big 7 reasons to avoid this program like the plague:


    1. Traffic, Traffic, Traffic (Only Paid Options)

    The biggest issue about this is that it doesn’t effectively solve the issue of receiving traffic. Just by reading some articles online, or an hour of youtube videos, anyone can figure out how to make an Opt-in page and put some affiliate links in there.

    Now, it does have some ways to get traffic… but you need to get your wallet out!

    The best part was using Udimi (called solo ads) as mentioned earlier.

    Udimi is a great way to get “clicks” on your link by paying people that already have large email lists within your niche (chosen area) to send an email out for you. You basically pay for each click that you receive from them.



    The screenshot above pretty much gives you all you need from the training. Search for sellers that:

    1. Will start advertising within 24 hours,
    2. Have at least 100 visitors the seller can give you within 100 hours
    3. The cost per click between 35-95 cents
    4. Over 30% sales rate
    5. Over 100+ positive ratings

    From there you purchase your solo ads. To get an idea of how much it costs…

    It would cost you $65 to get 100 visitors to your page at 65 cents per click.

    i.e. It’s not cheap!


    The good things about solo ads:

    • Most advertisers will provide 10-30% extra clicks for free, so you will get slightly more than this.
    • The visitors will come from an email list within a similar niche (qualified leads).
    • They are already used to clicking and providing their email address as they are on someone else’s list (something you can’t guarantee from Facebook or other paid ads).


    Five Minute Profit Sites even provides you with an email template to send out so you don’t need to think about it:


    Email Template

    Work From the Comfort of Your Own Home

    Hi there,

    Are you looking to supplement your current income?

    Maybe you’re stuck in the rat race and it doesn’t pay enough?

    Maybe you’re retired and you need more income?

    Maybe you’re a stay-at-home mom looking for a part-time or even full-time venture?

    Or maybe you just want to make more money?

    Well this opportunity could be perfect for you.

    You can do it from the comfort of your own home or anywhere with an internet connection.


    It’s up to you how much time
    you want to invest in it.

    This could make you a
    CONSISTENT daily income.

    I strongly recommend going to
    this private page right now:



    [YOUR NAME] (this is the seller’s name)

    This is an ad and I will earn an affiliate commission for any purchases you make.


    People buy on emotions, not logic.

    Decide for yourself if this script hit your emotions.


    Obviously, the big issue with this is that it will end up costing you more and more money to receive any traffic. Now there is an argument for this in the internet marketing world as it can become a “snowball” effect.

    Your first members start purchasing affiliate links and you’re still adding members to the list, which your first members are paying for etc. etc.

    However, it will 100% be better to use this method at the same time as free traffic methods.


    2. No Training on Free Traffic Sources

    The other methods of trafficking mentioned (yes mentioned, not trained on) in FMPS are forum commenting and ad swaps.

    Warrior Forum is a good website for forum commenting. It’s a great website to interact with other internet marketers in general.

    If this is a path you will go down it may be worth purchasing the signature ($5) so you can add your link to the bottom of each comment you leave because…



    If you can post one of the first few comments in threads that become huge (some receive thousands of comments), you will have people that can see your link for free… forever

    *Note- I did not learn this from FMPS, but Anik Singal’s book “Circle of Profit“, which I would highly recommend reading this if you are interested in affiliate marketing! Read “The Circle of Profit Review” for some of the best tips in the book*


    A little nugget of information I hadn’t heard before was using ad swaps.

    The issue here is we need to have an email list to be able to use this method effectively so if you’re just starting this one’s not for you. It does sound like with around 1,000 email addresses you can make some good swaps and really get the snowball rolling.

    So this is one that could help you…



    3. The Big Negative- No SEO

    There is no mention of SEO! Improving the SEO of your website is a crucial strategy in internet marketing today. It’s completely free… think about it yourself…

    What do you do when you want to find out about something?

    That’s right you “Google it!”

    It doesn’t cover this at all or even mention creating a website. So their methods may work to get some traffic (if you pump enough money into solo ads).

    But if you want a lasting online business… the traffic training will not be enough. Learn more about “How to Build a Website the Easy Way… in 30 Seconds“.


    4. It Didn’t Even Work!! Outdated Videos Do Not Match the Website 

    So around 6 hours into setting up my “5-minute website” I was still having some technical issues.

    My Thank You Page (TYP) didn’t redirect to the correct place and I didn’t receive an automatic email when I “tested” the opt-in page.

    I found the issue with the TYP not being redirected to the correct place. In the “walkthrough videos,” they did not show a tab that needed to be clicked! So I emailed them and told them about the problem (which they hadn’t solved) was an easy fix… I heard nothing back from them unsurprisingly.



    There was a simple checkbox not clicked in the form created (missed off in the step by step video) and without this, your TYP is just a generic thank you.

    It did not forward the subscriber to the Amazon documents and the affiliate link. Therefore meaning the whole opt-in page loses a chance to sell straight away.


    5. Terrible Support, It Was Actually Laughable!

    The most laughable moment and the reason for the big fat 0 in support is to do with the automatic email.

    I had been using Get Response for the past month before this and managed to create my own opt-in page. I had set up 10 automatic emails to be sent out to the subscribers and had no issues with my tests.

    I asked the question to both GetResponse and FMPS. GetResponse couldn’t solve the issue and it seems to be some anomaly (or maybe something to do with the dodgy ready-made website). I explained this to FMPS support and this was the response:



    It’s like they didn’t even read what I sent them. Maybe it was some automated email because they detected the word GetResponse??


    6. No control Over the “Website”

    The opt-in page and TYP don’t look too bad but they are pretty generic. I did not have access to control anything to do with the website and it is set up exactly how they make it.

    This really de-personalises the page and is not the best start to have with your members.


    7. Upsells, Just What We All Want! 

    If you’re like me then you probably get so annoyed by upsells. Most people want to pay for something and know exactly what they are getting. Not buy something and then have to buy something else and then something else.

    However, this is a pretty common strategy used by a lot of big companies (Just think, when was the last time you bought a big mac burger by itself?)



    The issue that I see from upsells online is that we don’t know about them in advance (unlike a big mac meal). Consumers don’t mind paying more for good service as long as they know about these costs!

    FMPS try to upsell 3 different courses ranging from $49-$149.

    The funny thing was that if you click “I don’t want this course” they offer it at a cheaper price, so you end up not really trusting them anyway, as the price may go down again if you say you don’t want it!


    Five Minute Profit Sites Review: The “MakeTimeOnline” Review Final Word

    Did I learn something?


    I definitely learnt some stuff from starting FMPS. Would I have paid $37 for this information… I’m not so sure.

    I certainly wouldn’t pay $37 for the “money making machine” that they offer but if you’re new to the game and you can get the course for free like I did, then it may be time well spent.

    If you have any questions and I mean ANY questions about Five Minute Profit Sites, please leave them below.


    Keep changing for the better,




    P.S. If you are interested in making money online to free up your time, check out this 1-minute video to see more information about my #1 recommended program

    Wealthy Affiliate Short Video