Tim isn't wrong -- but this time, he's being a little less useful than he often is. The following advice might be a bit more useful: (1) Spend 50 hours identifying 20 ways to make money that are either within your current skill set or within a skill set that you can acquire in 6-12 months. (2) Spend a second 50 hours reviewing each of those 20 methods and place them in rank order of projected annual income. (3) Identify the easiest possible methodology for acquiring customers for each product or service. (4) Pick a product or service that is easiest to sell that also has the highest possible income. (5) Learn how to deliver the product or service. (6). Start selling.

Scott Galloway is right when he says that "let your heart guide your work life" is bad advice. Do or deliver something that other people value and focus on delivering a high quality product or service. Find the easiest way to sell it.

As for investing in index funds, I too am no fan of that approach -- if you want average returns, that is exactly what you will get.

Good luck to all.