I’ve been scraping by since I got to Osoyoos nearly a month ago and I’m spending an incredible amount of time looking for contracts and new clients. It’s not leaving me time for other commitments that won’t garner income until early next year. So, I finally decided to loan myself enough cash to ease the pressure well into December, but not so much as to make me complacent. The markets have been good in the past few months, so not taking a loss made this decision quite a bit easier.  I’m not happy with this situation, but I have to keep reminding myself that what I’m working on these days will pay off, just not immediately. It’s actually rather an exciting time in my life!

The bit of the puzzle of wealth building that I only just acquired is one I wish I’d understood a decade ago: passive income. That, not earning big gobs of money, is the key to early financial independence. For example, Sorting It Out wasn’t a huge financial success, but it has brought me a steady trickle of mad money since I released it and I sold enough copies of it in September to cover both my insurance payments! So, while working on another book might not be making me money right now, it will at some point, just as will my Suite101 articles. The trick is to remain solvent while the passive income accumulates. 🙂