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What is Life-By-Design?

A life you want to wake up to

Life-by-design is a new philosophical movement of questioning the status quo of living. It’s to identify what the status quo is and then proceed to make the active decisions to change, tweak and improve on it for your own life’s needs.

Tim Ferris, the author of 4 hour work week is arguably the founder of the term. He took his then life of endless working hours and little of anything else by the neck, and consciously created something he enjoyed instead.

He created a life he wanted, and that’s what life-by-design is all about. Consciously creating a life you want.

He also spear headed the movement of ditching the conventional 9-to-5 life for a more travelled one. There are now hordes of digital nomads and location independents around the world, myself included.

I started my life-by-design journey since I graduated University in 2014. Since then I have created a location independent lifestyle by pursuing online passive income streams.

It has allowed me to travel to numerous countries without worrying about asking for permission to take leave, take 4 months off work to attend to family and to really enrich my life with something bigger than getting the bills paid. But most importantly it has given me a sense of security and stability in the face of my bipolar disorder.

Following the 360 Balance Model

The compass to your life's map

Life-by-design is simply the term of consciously making an effort to create a life you want, but how you do this can be as varied as your imagination allows it.

The idea isn’t to follow someone else’s map, but to create your own.

But it’s hard creating something from scratch with little to no reference. And being the systematic type of person that I am, I created a model to organise the map.

The model is what I call 360 balance. It has 4 pillars that covers what I believe are the core areas of creating a life you want.

The 4 pillars are:

  • Physical health
  • Financial health
  • Mental health 
  • Social health

By taking these 4 areas, you can begin to form your own ideas of what you want in life and how you can achieve it. For me, I translate the 4 pillars with a focus on the amount of freedom I can achieve in life.

  • 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.

What is Passive Income?

Passive income is a type of income that is generated by assets without your active participation for it. In plain English, this means you’re not trading your time to make money.

Passive income is allowing people alternative ways of financing their lives, as well as giving them more time freedom to live alternatively. This is why passive income in many cases will go hand in hand with people’s life-by-design goals.

With a steady stream of passive income that has bigger opportunities than most careers, you can take this income and meet the real financial needs of creating the life you want. And that's what this site is all about.

Here on Million Dollar Winnie (MDW), I focus on online passive income streams because unlike traditional routes of passive income, online methods have a lower entry barrier. The initial investment is far lower and profit to investment ratio (PIR) is far higher.

The idea is to not trade your time for money but to put your time upfront for continuous income down the road. So here at MDW, I teach you how to do exactly that. How to put upfront time, effort and resources into creating an online asset that will generate a passive income.

Click on a banner below to learn more about that online passive income stream.

Financial Literacy

My mum always told me from a young age “it’s no use making money if you don’t know how to save it”. That was one of the best financial lessons she could have taught me as a kid.

A better lesson would have been “it’s no use making money if you don’t know how to keep it”. (I'll let you figure out the difference between the two)

I learnt how to save from a very young age, and my parents gave me a solid financial education. I learnt the importance of investing and the idea of using money to make more. What they taught me has really laid out my attitude towards financial literary.

You have to be pro-active in educating yourself in it.

Around 70% of Americans live pay check to pay check, and that trend is growing among all developed economies. We’re talking about blue collar, white collar, corporate high earner and everything in between. People are failing to retain and grow wealth.

The truth is, financial education has always been kept in the family. Intergenerational wealth and poverty is all down to financial education. You don’t need straight A’s to succeed in life and you don’t have to have a powerful social circle. My parents are living proof of this. All you need is a financial education, and if you can’t get it at home, you need to get it somewhere else. Before, it would take a lot of luck, self initiative and effort to gain that knowledge, but now there’s the internet where ideas and knowledge can be exchanged at a rate like no other.

Here at MDW, I exchange good financial ideas and knowledge with you so you can easily obtain your financial education in one place. I cover the basics from what does APR mean to how to approach retirement planning effectively.

Get in Touch

I spend half my time in Hong Kong and the other half somewhere else just enjoying what the world has to offer. You can follow me on Instagram to know where I am at anytime. Or follow me on Quora where I like to answer questions. (Ask me a question on there!) You can also find me on Pinterest, and Facebook.

Though admittedly, I am very bad at social media and your best bet is to comment directly on a post here or send me an email. I always try to reply within a few days and I love getting to know each and everyone of your stories.

Otherwise...don't expect my Instagram and facebook to be updated often, nor your questions on Quora answered promptly.

Alternatively you can join my newsletter below where you’ll find relevant passive income news, discounts and my personal updates delivered to your inbox. I send these out once or twice a month, sometimes less so be sure to keep an eye out for my emails.

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