The $1K Passive Income Blueprint: 5 Moves That Actually Work

Earning $1,000/month passively sounds like fantasy, but attorney & finance expert Erika Kullberg breaks down what actually moves the needle:

1. Dividend stocks + REITs — The boring but reliable play. Invest in dividend-payers or REITs through Vanguard/Fidelity. $140K invested at 9% annual return = $1,050/month. Start smaller, reinvest gains, scale over time.

2. Digital products — E-books, courses, printables on Kindle Direct/Udemy/Etsy. Zero ongoing cost after creation. Marketing is the real work.

3. Peer-to-peer lending — P2P platforms yield 5-10% annually. Less capital intensive than REITs.

The rest of the toolkit: affiliate marketing, YouTube channels, rental properties, storage rentals, email newsletters, social media monetization.

Reality check: Most require upfront sweat, not just cash. YouTube/online courses can be free to start. You’ll owe taxes on whatever hits your bank account.

The meta-play: Build multiple streams. One revenue source won’t cut it for wealth. Stack 3-4 together, let compound interest work, and suddenly $1K/month becomes your baseline.