The Real Tea on Income

A woman pouring tea into a cup on a table.


The blog emphasizes the importance of a comprehensive financial strategy that includes both reducing expenses and increasing income. It introduces three accessible methods to increase earnings by investing in real estate, starting a business, and participating in affiliate marketing. By exploring these avenues, individuals can expand their financial resources while capitalizing on their strengths and interests. This approach can promote immediate cash flow as well as lay the groundwork for long-term financial stability and growth.

Focusing on our strengths over our weaknesses is a better way to build our financial might. Let’s focus on our talents to help increase our income!

We know the story – financial inequality is pervasive. Cutting out the morning cup of coffee each day will do little to change our financial state. However, we can flip our perspective towards boosting what we make each month and using the extra income to build personal wealth.

In the long run, increasing inbound cash outperforms solely focusing on cutting our expenses. If we can add another channel of money while living at our same standard of living, we can easily spend AND save more.

It’s time to get creative! Let’s look at savvy ways to increase our income.

1. Real Estate Investments

A popular strategy for both building wealth and increasing income, real estate helps you take advantage of your assets.

You might be a first-time homebuyer or be looking at buying a property with your family. What a great opportunity to invest in appreciating assets!

For single family homes, renting out your space on Airbnb is a great option to take advantage of home ownership and generate additional rental income stream.

More options include a duplex, townhome, or apartment, which offers the dual benefit of personal residence and rental income. That’s more bang for your buck. For property with 5+ units, explore our Multifamily Loan Program, specifically designed to be your ally in navigating the thriving rental markets of Los Angeles, Boston, and Miami. We offer some of the best rates in the country for property with 5-75 units in these cities.

To delve deeper into your path to homeownership, explore our comprehensive guide, 5 Steps To Own Your Next Home, where we break down the most important steps!

A group of people standing in front of a house with a sold sign.

2. Starting Your Own Business

Have you ever thought to yourself, “Why doesn’t something like this exist?”

That is your opportunity! Seize it and build the solution yourself.

Always start your business from the lens of a proven need or problem. Ensure that your solution is not only needed but also attractive to your target audience. Long-term sustainability is incredibly important. Assure your business can branch off into new products or additional services to enhance the value you provide.

Selling is made easier with online marketplaces and access to the right tools. With the right mix of both and a persistent mentality, you too can be competitive in your niche. To get the most value, make sure that “you own you.” Specifically, secure intellectual property such as trademarks.

Starting your own business will do much more than offer you another stream of income. Experience is the best teacher. To understand an industry, one of the best things to do is to create a business and immerse yourself in the market.

A woman with curly hair sitting in front of a camera.

3. Affiliate Marketing

Harness the power of the digital age by exploring affiliate marketing. This is where you would promote a company’s products or services in exchange for a commission.

If you have a dedicated audience, a niche that you champion, and are good at generating content, this is right for you. Utilize your online presence to promote products or services, potentially earning commissions and rewards on every sale generated through your referrals.

Choose affiliate partnerships that align with your interests and resonate with your audience. Brands we know and love that use affiliate marketing include Fenty Beauty and Pat McGrath Labs.

With clever promotion and authentic recommendations, you can turn your online influence into a steady stream of income.

You can focus on specializing and increasing your pay from your main job and you can use these wealth-building strategies to add income streams outside of your 9 to 5. Exploring additional ways to boost your income teaches you the power of your time and talents.


Elevate your finances with insights, because we all need answers. Sign up today!

Discover the OneUnited Difference.

Already have an account? Log in

Recent Articles

Promotional poster for the 14th annual "i got bank" art and essay contest featuring a free e-book offer.
Financial Literacy


OneUnited Bank is sponsoring the 14th annual financial literacy contest for youth between the ages of 8 – 12 years old. Simply either write and submit a 250-word essay (250 words not 250 characters) or create and submit an art project (PDF only) about what you learned from the book “I Got Bank!” (or from another financial literacy book available in your library or home) and how you can use what you learned in your life or the life of your family.

Man smiling and sitting on a ledge in front of a brick wall.
Digital Banking

Swag Beyond Borders: The Power of One Love

Summary This blog highlights the launch of the OneLove card and merchandise collection. The card serves as the centerpiece of the Financial Wellness Suite, offering

It takes 5-minutes to start elevating your finances

See exactly where you’re spending money, how you’re achieving and how you can improve.