Don’t work for your money–make your money work for you. This is the advice you will hear from any wealthy financier these days. However this is easy to say from their perspective. Unlike these wealthy individuals we do not had the luxury to place a million dollars in safe government bonds where they will generate us a steady flow of up to one hundred thousand dollars on an annual basis. There is good news however, although they are not so readily available there is opportunity to find these types of passive income streams for the everyday person, you may need to get a little creative though. So what are our options. Let’s first make some assumptions in what we have to offer and or goals in a passive income stream. The first assumption I will make is that we are dirt broke and thus have pretty much no capital to bring to the table. This assumption prevents anyone from being excluded and provides a template that can be evolved for those who do have free capital to contribute. We therefore don’t have money to offer but we still need to offer something of value to generate revenue. We are left with our other two assets, time and knowledge. But our whole goal is to limit the time we have to put into our income. Therefore we will attempt to work smart and invest some time up front that will lead to hands-off return. Here is where technology comes into play. There are the obvious royalties that can be attained from a service such as a computer program or website but not all of us have the skills to develope this (if you do then more power to you!). That doesn’t mean we have nothing to offer to the technological world. The nice thing about the internet is that regardless if your interests and expertise, there is a market of people out there interested in the same thing. Therefore if you are to put your opinions out on the internet in the form of a blog or series of articles there are those out there who will read your opinions. This generates website views. The other nice thing about the internet is that regardless of your interests and expertise, there is usually a product that goes along with them as well. They are constantly looking market their product to their consumer and internet advertising is a prime way in which they do that. Thus they will pay you for ad space on your website and as more and more people view your site, the get income flowing in. This is the most easy and readily available passive income stream that is available to all but by no means do your options halt there. Based on your specific knowledge you can offer plenty to the online community. Let’s say for instance you are a proficient cook. You can post recipes and how to videos which have a very large market of interest online. Or let’s say you are an experienced runner. There are plenty of people out there looking for guidance in how to train for marathons and thus you can be a virtual coach in which you provide training plans and guidelines that will help them through their training. The overall goal is to use your asset of knowledge to save and free up your other assets of time and money. With a little bit of creativity you CAN make your money work for you. It’s an opportunity that is available to all of us, not only the wealthy.