If you're looking to address some immediate financial needs, then the app economy is likely right for you. Thanks to the global sharing phenomenon, launched in part by our smartphones and ever-burgeoning global connectivity, you could easily opt for some quick active income by using well-known apps. From ride sharing to deliveries and even quick tasks, there's an app for that today, as the saying goes. 

Retirement and estate planning gets more complicated. Once a single taxpayer’s annual income hits $118,000, the ability to fund a Roth IRA begins to phase out. Some workers categorized as “highly compensated employees” under IRS rules may find their ability to contribute to a 401(k) is also limited. “Being able to contribute enough to retirement plans so you can maintain your lifestyle in retirement can be tough,” says Shanna Tingom, co-founder of Heritage Financial Strategies in Gilbert, Arizona. It’s not a problem that might trouble the ultra-wealthy, but for those looking for tax relief, the loss of tax-favored accounts can hurt.

Before I talk about some of the methods for making money online, I wanted to address the role of pain versus pleasure. Every decision that we make in life is weighed on a pain-versus-pleasure scale. We will always do more to avoid pain than we will to gain pleasure, plain and simple. However, this is also what holds us back from succeeding in any endeavor.
If you’re looking for inspiration, my friend Michelle Schroeder-Gardner of the website Making Sense of Sense has become the expert on all things affiliate marketing. Michelle earns more than $100,000 per month from her blog and the bulk of her income comes from affiliate sales. Michelle has had so much success with affiliate marketing that she even has her own course called Making Sense of Affiliate Marketing.
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