This is not another site about making money online… This site will help you achieve financial freedom.

I want to share all my financial knowledge and experiences with you. Why? Because I believe it can change someone’s life! I often hear people complaining about their debts and financial problems. It happens, because we usually make some bad decisions. Sometimes we don’t have sufficient knowledge, sometimes we just want to avoid the pain…

Finances are solid: black is black and white is white. We are either losing or gaining money. We all can be wealthy. We are always able to get out of debt, but we usually make one bad decision after another (like borrowing money from someone to cover losses) – and that quickly leads to us being trappedin a spiral of debt, and without good plan we are unable to get out of it.

I’m here to help you turn bad financial decisions into the good ones. I want also protect you from financial troubles. If you have a debt already, i will try to show you financial strategies, to get out of it. Remember, that having a debt is good ONLY if it finances assets!


But most of all I want to share with you one important financial rule:

Passive IncomeThe Goal is to create Passive Income. This is the only way for financial independence. You can find Definition and examples below. Take a tour with me. > Living Expenses

This is the ultimate goal. When your Passive Income becomes greater than living expenses, you can retire and enjoy your life!

This site isn’t about me… It’s about YOU! We’ve only got one life. Don’t let money control your life. Make money works for you.

I’ve created because I believe everyone can be financial free!


Being financially free is really worth considering.

The idea we are all face on daily basis is working for money to live. You need to work from 9 to 5, and the payment is never enough to live your dream. Time goes by and you haven’t moving into right direction. Having a job you like is really great, but …

Please think about it. What would you do if you don’t need to work for money? Went a vacation? Go travel the world? Meet new people or just chill with your family? One is sure – you will definately have a lot of free time to do whatever you want!

Yes! This is possible. All you need to do is to change your way of thinking about money and job. The key is passive income.

To achieve financial freedom, you’ll need to take some action. You need to be focus and patient, but overall you will be happy with the effort. I’m sure right now everyone is capable to create passive income and make his a life easier. During these days we have plenty of opportunities to be financial independent.

Because I have some knowledge in finances, I want to help you reach your financial goals. I’ve seen people struggle for money. Lots are stuck in day jobs they hate (and they cannot take a risk for doing something else).

Most of our money problems come from taking bad financial decisions. The problem occurs, because at school we won’t receive good financial education. Scholar system teaches us how to be good worker (the old style route) – finish good school, look for a job and work till retire. So, after graduation we take first job, receive a credit card and start to buy. After some time we face money problems. Here is the moment for making financial decisions. Without good knowledge and experience in finances we will fall into a debt trap.

Second circumstance is a clear vision of living presented on TV (stars are always rich and have lots of time etc.). We think that we are able to live the same way. So we take credit cards and start buying things we don’t really need. After couple of months we are starting to have financial problems. When our hole is big, we are trying to do something with. Most of the time it is too late to act rational.

If you are right now in that hole, please have in mind that you are not the only one. If you are not – please be aware of it. In life we all have some ups and downs. That’s why we need to be prepared to face the problems.

To be financial free, you need to be free from all the bad debts, and you need to have passive income.

To smartest move we can get is to make good decisions at the right time. This is important – good decision and right time. When you make good decisions at the bad time you will lose your money or have problems. That’s why we all need to learn, gain experience and wait for the right time. Right time comes for sure! That is all about.

I really can help you increase your financial knowledge and skills. From my point of view I can tell you, that financial management is really easy and logical. You just need to earn some important financial skills to turn your life around.

Have in mind that there is no problem you cannot solve!


To build solid financial income you need to create passive income!
This is the most important task you need to do when it comes to money…

But first you need a plan. Please check Financial Strategies and find the best solution how to achieve it.

Remember – building financial income it’s not easy, but it’s worth taking the effort! If you have some financial problems face them first and try to do something with this. When you are free from bad debt it’s easier to think more clearly about your goals.

Go for it!

Please remember:

  • Only Passive Income > living expenses rule leads you to financial freedom.
  • Build Assets.and.. Build more Assets.
  • Don’t be afraid about good debt. If you are building assets debt can help you.
  • Work hard.
  • Try to save about 30% of all your income. Use saved money to buy assets! Never spend it to liabilities.
  • Learn, gain experience and wait for the right time. When the right time comes, you will be able to invest and make passive income easily.
  • Every penny is like a soldier… Care for him and he will be your sidekick!

I will tell you everything I know about finances… and more!


Michal Nowakowski / Poland

Ph.D. in Economics / Freelancer / Creative Designer and Web Developer

I’m working as a freelancer since 2003. I have had an opportunity to manage two companies: BROSTUDIO and Graf.IT, so I was able to participate in some great projects (web / advertising / apps / flash / dtp / cms / shops etc.). I have a solid knowledge in finances and I want to share it with you! I understand that everyone’s financial goal should be creating passive income that covers all household expenses! I encourage you to do the same! Entire process is really fun. Please try it yourself 🙂


1. Why

The reason I’ve created this information website is to have a sense of mission. I have PH. D in economics and I’ve red a lot of books about finances, personal-development, psychology etc. I really enjoy sharing my knowledge. I will try to help you as much as I can to achieve financial freedom. Please download and use Balance Sheet by singing to the newsletter. Good balance sheet is important to prepare and apply good financial decisions. We will stay in touch!

2. Education

I’ve always worked in IT businesses, but I wanted to learn something new. I really enjoy learning. That’s why I’ve searched for new paths. By the time I receive a book written by Robert Kiyosaki: “Rich Dad, Poor Dad”, I’ve discovered simplicity in financial education. I’ve red almost every book written by Robert. Playing his game was very inspiring. I’ve started to figured out, what to do to be financial independent. After couple of years I’ve completed studies in economics and received PhD. It was really hard times (work + businesses + study), but the knowledge I’ve received there was worth everything. Right now I’m building Passive Income. I’m using stock market and real estates to complete my goal. I have also knowledge in web development, so I’ts not so hard for me to create content and share with you.

I’ve always been interested in personal development also. I’ve learned time management and I think this is one of the best skills everyone should learn. Right now I’ve had more time to train, learn and work.

3. Design

I work as a designer since 2003 (web / animations / CI / flash and other design). I’ve had an opportunity to work with big advertising agencies and various businesses. Design is great, but It’s time-consuming.

Right now I’m trying to build useful things that helps everyone achieve their goals. That’s the reason I started and still create 🙂

4. Work

I work as a designer since 2003. I still have normal 8 to 4 job. The reason I’m still involved with this job is possibility to learn new things.

After work I try to spend free time with my family. I still have some time for workout and my projects. I’ve learned that very important is time management. Life can be great if you love what you are doing. That’s why I often stay late and create…

5. Lifestyle

I think the most important thing is to be constantly in motion. This is important for your brain and body. We all need some sports: your mind is more clear and you have more power for normal day tasks. I’ve always liked sports – especially fighting sports and workouts.

I was learning boxing for half a year, next I’ve trained Muay Thay and stayed in this sport for 6 years. Muay Thai gave me speed, stamina, agility, strength, confidence and reflexation. After workout I was always open-minded and I’ve completed all my tasks quicker. Right now I have a beautiful daughter and less time for contact sports. To stay fit I’ve decided to create my own quick workout plan and use it everyday. 15 minute fast training is really good. I shared my stuff on the website. Fast training helps a lot of people from Poland to stay fit and healthly.

6. More about Me

For further details you can find other my social profiles and portfolios:


2D Graphic designer - 12 years
Web Developer (I like WordPress and Magento) - 10 years
Personal Development - 5 years
Financial experience - 6 years (plus PhD in Finances)
3D Designer (interior design specialist) - 3 years
e-Marketing & PR - 3 year
Consulting - 1 year

I will try to help you as much as I can to be financial free! I am also open for work and new opportunities 🙂


  • There is no tomorrow!
  • Life isn’t about getting and having, it’s about giving and being. – Kevin Kruse
  • It does not matter how slowly you go as long as you do not stop. –Confucius
  • Build your own dreams, or someone else will hire you to build theirs. –Farrah Gray
  • Let me tell you something you already know. The world ain’t all sunshine and rainbows. It’s a very mean and nasty place and I don’t care how tough you are it will beat you to your knees and keep you there permanently if you let it. You, me, or nobody is gonna hit as hard as life. But it ain’t about how hard ya hit. It’s about how hard you can get hit and keep moving forward. How much you can take and keep moving forward. That’s how winning is done! ― Sylvester Stallone, Rocky Balboa


If you like my work and information on this site helps you in some way, you can help me also by sending small donation into PayPal account (buy me a coffee), or just visit the sponsors. I would greatly appreciate it.

This will be the best gift for the time I’ve spent writing and supporting And I really don’t want to know how many hours of my life this site has already eaten 🙂 But I like what I’m doing, so this is not so bad as it sounds 🙂

Try some tips I’ve learned from financial leaders. You can achieve everything you want. Just stay focus and reach your goal!


FINANCIAL GOAL it’s free and it will always be free!





These are some projects I’m involved in right now.


I really love helping people. I will definitely help you.

If you have any questions, send me an e-mail and I’ll give you an answer for sure. Please subscribe to the newsletter to be in-touch with me.

And finally, please read this carefully:

All the knowledge, strategies and ideas written in are the best advices comes from financial and personal development gurus, like: Robert Kiyosaki, Napoleon Hill, Tony Robbins. I think I’ve learned the best from them and I want to share the knowledge with you. I’ve studied finances, design and personal development for years. I’ve also red lots of books. Plus I’ve tried some passive income ideas and find them really profitable. That’s why i have clear vision what’s working and what’s not. I’m sure you will find the best methods for creating financial income here!

I’m the good example. Even on tough years like now I’m still able to live great life, have a time to create more and more projects and be with my family all the time.

But have in mind that I don’t want you quit your job and start building passive income only. No… This is not the way!

First you need to gain experience and knowledge. Then – when you will be ready you will be able to live without job for the rest of your life. The key is to create as much passive income as possible, until you reach golden rule: Passive income > Living Expenses.

I’m sure there is not much sites over the Internet offering financial knowledge for free.

Please consider that earning any type of income takes time and a lot of hard work. You need to have a lot of patience, but it pays off.

All the stuff you’ll find on ARE FREE AND ALWAYS WILL BE! I make this site, because I believe it can change your life!

If the knowledge you’ll receive here would help you and leads you on the right track, you can always reward me by making a donation (“buy me a cup of coffee”) or simply check our sponsors.

I encourage you to sign to the newsletter. You will receive free Balance SHEET, which is crucial for planning your goals. Please use financial Sheet all the time.

I’ve using Balance SHEET for about 4 years and I’m able to review all my incomes / expenses and assets / liabilities month by month. Without this sheet I wouldn’t have any clue, where all my money goes.

Thank you for taking the time to read this, and I hope to see you on the blog sometime soon!

With this site, I want to help you as much as possible to build passive income.

If you’re ready to start a great journey to financial independence – please subscribe and please let me be your help to reach your goals.


Hi! I’d love to share with you the best knowledge I’ve earned about Finances, Personal Development and fulfilling life. After subscription you can earn content that you can’t find on this site. Plus you will receive a file with Income and Balance sheet that can be really helpful for reaching your financial goals. Enter your name and email below, and subscribe for the best content possible!