oh wow, this is awkwardly slow...

About Me

Hi, I’m Winnie. My goal for this blog is to document my journey of achieving my life-by-design goal of “360 balance”. I’m passionate about having what I like to call “360 balance” in life. I want the ultimate level of freedom a person can enjoy.

What does 360 balance means:

The physical health to have the freedom to do what I want.

The financial freedom to do what I want whenever I want.

The mental freedom to never be afraid to go after what I want.

And lastly the social freedom to make my own decisions on what I want.

The idea came about when I decided to work for myself instead of following the traditional route of getting a job after graduating.

Entrepreneurship hasn’t been anything like what I expected before I started, and I think I’m not the only one with this misconceived idea of what entrepreneurship is about. I’ve had many failures and successes over the years and I still have a lot to learn, but everything I have learnt thus far is on this blog.

What took me many failures and years to figure out, will now take you a few hours at most. That’s what I want this blog to do for you. Cut your learning time down by helping you avoid all the mistakes I’ve made, while also teaching you everything that has worked for me.

somewhere in Taipei

You can follow along the journey by my annual goal tracking pages.

A little bit about my background

I was born in a small sleepy town outside Cardiff, Wales. If you don’t know where Wales is, it’s a small country next to England. My family quickly moved over to Vancouver, Canada and I spent a few years there before moving back to the UK. But we didn’t stick around for too long until I found myself moving to Hong Kong in 2005. I would proceed to move to Toronto and Leeds to finish my education. In total, I have my name in 8 schools dotted around the world.

You might be wondering why on earth did I move so much as a kid. Well it’s because my dad was an entrepreneur. Not by choice, but by fault. My parents immigrated to UK from Hong Kong as teenagers looking for work. Uneducated, and not even knowing the English alphabet, they both started working small stints at Chinatown in London. Dad scraped all the money he had to start his first take-away restaurant, almost a decade later. A couple of businesses here and a couple of businesses there, sprinkle some failures along the way and you get my parents retiring in their 40’s.

Who would have thought. 2 immigrants that didn’t speak a word of English would retire early

So I’ve always been surrounded by the idea that owning your own business was the way to go. Sure mum and dad wanted me to go into corporate and I did think about it for awhile, but life threw a curveball at me in 2010. I was diagnosed with bipolar type 2 disorder. A genetic mental condition that affects the chemical balance in my head.

From there I spent the next 3 years battling myself, determined to not become another bipolar statistic. I read everything I could get my hands on about my condition. 3 years later I graduated with Honors and several job offers lined up. I didn’t take any of the job offers though, not because I wasn’t tempted by the security of a monthly payslip or the prestige from working at a large company, but because I know having bipolar wouldn’t let me in the long run. I just knew it would be a constant struggle and I wasn’t going to accept it. I declined every single offer and decided I’ll need to create my own life to fit my own unique needs.

That’s how my adventure into online business started. I started my first business online in 2014. It didn’t exactly fail, but I wasn’t exactly popping the champagne out either. I hadn’t a single clue what I was doing, but I had my savings in the bank and a lot of time on my hands. What else does an entrepreneur need?

Apparently a lot of things.

Clueless Winnie at the start of her entrepreneurial journey.

What exactly do I do?

I specialise in online passive income streams and use that income to create the life I want. The reason why I focus on creating online passive income is because I find it to be the best fit for my 360 balance goals in life.

Creating a living for myself gives me a high degree of control with my time, which lets me do things other than work. Creating passive income streams gives me even more time freedom in the long run because it gives me the opportunity to have multiple streams of income at once, without increasing my time commitment to active working hours. And to top it all off, online methods of making money is a lot less risky with lower investment needs.

I currently have 6 streams of income, 4 of which are passive, and 5 are online based.

My Kindle publishing business was one of the first streams of income I ever created. Kindle publishing was what changed it all for me and I highly recommend anyone looking into online money making methods to check this one out.

It took me 3 months to breakeven, 6 months to reach $1000 per month and then another year to reach a steady level of $2000+ per month in royalties. It’s one of my most successful passive income streams because it 100% passive. I work no more than 4 hours a month on my Kindle business and those 4 hours consist of checking dashboards, accounts and keywords only.

You can grab a copy of my free Kindle guide here.

Since then, I’ve expanded into other streams of passive income to gradually and steadily build up my portfolio of income streams. This includes affiliate marketing, information products, adsense and dividends.

This blog does talk a lot about money but I don’t want you to get the impression money is the most important pillar of the four within the 360 balance concept. It’s not, they’re all equally important. The only reason why I talk about it so much on this blog is because financial freedom is the most objective and practical.

Everyone is different and your life by design should be uniquely tailored to your needs and wants. But almost all needs and wants need money to be fulfilled. 

You can read some of these posts to give you an idea of how I use my income to achieve my goals in life:

Me trying to look cool, but the strong winds of Perth wouldn’t let me.

So why the name Million Dollar Winnie?

Other than the fact that my name isn’t available as a domain name neither any variation of it. I wanted the saying “a million bucks” to be the motto of my life. I want to MAKE, FEEL and LOOK like a million dollars. (Not to say I wouldn’t mind making, feeling or looking like more)

If you made it this far down the post then you’re probably on the same boat as me. Why not subscribe to my newsletter and learn from my mistakes and successes?

“I hear and I forget. I see and I remember. I do and I understand.” – Confucius

Hopefully you can read about my journey and remember to not make the same mistakes, but to repeat my successes!

Winnie MD


Good things need to be shared