How to earn passive income

Most people say they want “passive income,” but almost no one can answer the one question that actually determines if they’ll ever be free: How much money do you really need your assets to pay you every month so you can stop working? ​ Passive income is a system, not a fantasy. From calculating your Financial Independence Number (FIN), to choosing between investment-driven streams (like index funds, rentals and dividend stocks) and resource-based plays (like digital products, content and asset rentals). ​ The throughline is simple: You don’t need to start rich. But you do need a portfolio you deliberately build around your FIN and risk tolerance, so your money slowly replaces your labor — and eventually buys back your time.