Tag Archives: Zambia

How Can Active Income Be Better Than Passive Income?

I could pretend like this was easy – like I could share the secret sauce of creating passive income for life. But it’s not that easy. No reputable story I’ve heard, book I’ve read, or person I’ve talked to, has guaranteed 100% passive income at very little or zero personal sacrifice. That’s because it doesn’t exist.

When looking at income you can categorize it into three main groups: Income you work for (earned income), income that comes to you without work on a regular basis (Also called passive or residual), and income that you receive when you sell an asset (stock or real estate) for more than you bought for it (capital appreciation).

There are a lot of videos, books and even seminars, that claim to help you create passive income. I’m here to show you why they’re all wrong.

I don’t want passive income. At least not in the way most of the gurus are talking about. Recently I’ve been reading Tim Farriss’ book “The 4-Hour Workweek”. While I’ve been able to glean some useful information out of it like how to simplify certain tasks and create automation I disagree with the premise of the book: the less work the better.

The whole idea of slimming and cutting your time down into 4 hours of work each week is actually appalling to me. While I certainly don’t want to be working 80 hour weeks like he talks about avoiding, I also have seen the benefits of working hard with true purpose.

Whenever I get done with work there is a feeling of built confidence and endurance. Even on challenging days you feel like you’ve overcome worthwhile obstacles. In my option without some sort of work life becomes meaningless.

From Christmas 2017 till March 2018 I had practically all the time in the world to think about this question. I was in Zambia with my family, spending time with them before I headed back to the U.S. in March.

The thing was most of my family was busy during the day, which left me plenty of time to think – including about this question. I thought, how can generate enough money so that I don’t have to work. I strategized this for a while. I finally realized I didn’t want to eliminate work altogether. I simply wanted to make it optional.

To be fair Tim Farriss is actually probably right about a great deal in the book – that there are ways to relatively easily create more time in your life – whether through automation or elimination. However the whole way the book is presented is how to reduce work or almost like work is bad. He tapped into the feeling that many people feel: they don’t like work.

I have a simpler and (I believe) better solution. This choice is difficult to find yet it’s what some of the most successful people in the world have chosen. People like Bill Gates, Jeff Bezos, Elon Musk and many of the ultra rich followed this path. Why not pick a kind of work that you enjoy? Why not experiment and explore the options till you find something that excites you and makes you enjoy “work”?


Full-blown Independence

Christmas in Zambia was different. We opened presents under a fake tree. But it was homy. The Christmas lights reminded us all of the Christmases back home. We had candy, candy canes, Christmas movies and games. That was enough. Who needs snow when you have the most important people in your life around you?

It was a time where I truly relaxed. In some ways it was painful – making myself slow down. I read books, hung out with family, and got to know the landscape and people of Garneton Zambia.

After about a month we said goodbye to a missionary family who was living nearby. Probably the biggest thing that happened is that we moved. As soon as the family left we moved in and began getting ready for the start of the Zambian school year. My younger siblings were reluctant to be heading back to school but probably also curious about what it would be like.

As my 16 year old brother and 14 year old sister began getting ready for school I realized that by the time our family’s 3 year commitment to stay in Africa was over, they’d both pretty much be done with high school!

I also started planning for a road trip. This trip was something I had been wanting to go on for about a year. Now it was finally about to happen. As soon as I returned to the US I would begin a two week journey across the southern states, touring cities and getting to know the layout of the country. I was ecstatic.

Over the next set of weeks from January 2018 to early march I didn’t honestly do a lot. I helped out with tutoring high schoolers at the orphan school in Garneton once a week. That was pretty much it.

Then our good friends the Leonards came to visit. Of the four of them only the Husband and the son came (the Wife and daughter stayed at home). Mr. Leonard had always been an elder growing up. He watched over me as I grew up and helped give me Christian wisdom as I learned more about the world. He was also a good friend to my father and our whole family.

Mr. Leonard’s son, Dean was my age — 18. Dean had always been a good friend to me and my younger brother. Each of us had slightly different interests but as kids we had all been into playing online and strategy games. Of course in Zambia we didn’t really have the chance to play all together but it was fun talking about the games we had played as kids.

For a week Mr. Leonard was with us. Then he left, leaving his son Dean with my family for a few months. At this point I had a couple week before my time to come home. I began preparing for the trip home and planned what I wanted to accomplished as soon as I got home.

A couple weeks after that I left. The days leading up to the day, March 25th I began writing notes to my whole family. I took pieces of colorful paper and wrote a letter to each one. I made each note personal and remembered to include stories.

The day came. I woke up and went to the kitchen. It was a strange day. I realized that this was it. This was my last day in Zambia for a while. I finished packing the last things and we headed for the door, giving kisses and hugs. It was a sad time but we all knew that we’d keep in touch.

I snuck the pile of notes behind a bowl of fruit on the kitchen counter. As I got in the car with my parents I can remember my 6 year old brother, standing there on the African ground, looking up at the car. Why did I have to leave? There was so many options and adventures in the US waiting to happen yet there was so much here.

Part of me wanted to stay there and play a card game of monopoly deal with that little guy. I wanted to run around the house with toy swords, fighting like a “bad guy” and a “good guy” are supposed to in imaginary games.

At the airport I said goodbye to my Mom and 16 year old brother. I knew I’d see them when they returned to the US for a quick visit in May. But my Dad was the hardest person to say goodbye to. There was a possibility I wouldn’t see him for many months or possibly years.

As I waved through to them for the last time inside the first checkpoint I realized I was alone. I finally was getting what I had thought I wanted all along: full-blown independence. How did it feel? For the moment it felt… lonely.

No Tears

As the time for my family to leave for Zambia neared I didn’t have a lot of time to think about it. There were so many things going on – work, school, gatherings with friends and family, that there wasn’t enough time to process it all.

In early November the last week arrived. That week was an emotional-packed week. We continued unpacking everything from the house but there was more finality this time. I kept thinking, “In one week they’ll no longer be in the United States…”. Sobering thought.

On the day a close group of friends came to help us do the final unloading. Eventually everything was ready. We got in cars, riding in groups over to the Lansing airport. This was it.

Close friends gathered together. We sat, stood and cried as each of us said our goodbyes. My four younger siblings said goodbye to me. I knew I’d be visiting. I’d see them again in a month. Everyone was crying except me. Why?

I had never been very emotional. I like to think of myself as a realist in the practical sense – never blowing things up more than they really are. I knew I’d see them again. I wonder what others thought of me. Did they see me as heartless, emotionless, or did they not even notice?

As they went through the first checkpoint I watched them sadly. I didn’t want them to go. I wanted them to stay with me. I was 18. I thought, “I’m ready to take on the world.” But as they went up the escalator for that last time, waving and drawing tears I suddenly wasn’t so sure.

I shrugged it off, knowing I’d see them in a month. I talked to grandparents and friends. We all went our separate ways once the plane had gone. “Next step,” I thought, “finish my classes and get over there.”

Over the next month I finished my four classes, and worked – I worked my butt off. I was working 40-55 hours per week while juggling four classes that were nearing finals. I liked it. The business was less time to think about my family.

Eventually classes ended and I said goodbye to my friends at Cracker Barrel. I threw away my work shoes, which were crusty with all that food I had been making. IMG_0429 2

On December 19 I left for Africa. I arrived 1 day later. Hugging and kissing we got ready for the upcoming holiday: Christmas. I don’t know many people who have had Christmas in Africa. But I guess there are over 1.2 billion people who do it every year.