Most people, if you give them the full paycheck and then ask them for direct money towards investments, for savings — th

You probably think what a boring way to make passive income, but it’s honestly one of the best opportunities that you have potentially available to you right now in your 20s.

Even more exciting, it could reverse the trend of economic centralization we’ve seen in recent decades. Monopolized tech companies have hoarded jobs in a few key cities, but the digital cooperative would distribute innovation around the country by establishing offices and storefronts in cities big and small — not only to help educate people about the use of technology, but also to develop digital solutions to meet local needs, like an app for a cooperative ride-hailing service, tools to promote local governance, or solutions that help farms without taking away their rights. We could even make it part of a revamped postal service.

The importance of the web to our daily lives and interactions will not lessen in the coming years and decades. The pandemic has shown both how essential it is and how the inequities that arise from its current form have material consequences. Massive corporations have been allowed to structure the internet to serve their interests, but it’s time to develop a new, more equitable vision for its future. One that isn’t dependent on advertising to operate.

Most people — if they’re looking to make more money, they think they have to work more hours, and while that is a way to make more money, it’s kind of a lousy solution to this problem.

You’re in a bit of a unique situation here because you generally have a lot of time on your hands if you don’t have kids or a family yet — but you probably don’t have a lot of money, and when it comes to earning passive income, you either have to invest your time or invest your money.

The importance of the web to our daily lives and interactions will not lessen in the coming years and decades. The pandemic has shown both how essential it is and how the inequities that arise from its current form have material consequences. Massive corporations have been allowed to structure the internet to serve their interests, but it’s time to develop a new, more equitable vision for its future. One that isn’t dependent on advertising to operate.

Now, for those who are not familiar, the 401K is an employer-sponsored retirement savings plan where you’re able to set aside a portion of your paycheck before you even touch it and invest it for retirement.

When we start thinking beyond the logic of a privatized web, different ways of organizing the internet can emerge. Promoting a greater role for public companies and worker cooperatives also doesn’t remove the incentive for innovation and experimentation, but rather alters the incentives so that profit is no longer the driving force and technology can be developed with more humane goals in mind.

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things I’ve found? I’m a little warped. Part of me is an absolutely horrible person and really wants to start watching totally bizarre shows for three minutes so they appear in my “Continue Watching for Vanessa” list. Sorry, not sorry.

If we are in the midst of an internet advertising bubble, then this is the moment to think beyond the constraints of the present-day web to imagine the kind of internet we really want — and how we might build and support it. Are we content having our online lives limited to a few massive platforms while venture capitalists treat the digital economy as their personal casino? Do we want a digital sphere that is more diverse, not sanitized to conform to commercial interests, and a place where the public good comes before the profit motive? Then we should start organizing to bring it to fruition now — so we can be prepared if the digital ad economy does indeed implode.

Back in 1998, when Google co-founders Larry Page and Sergey Brin were still students at Stanford University, they wrote a paper about the perverse incentives of advertising and how it “causes enough mixed incentives that it is crucial to have a competitive search engine that is transparent and in the academic realm.” More than two decades later, we can see the consequences that came with ignoring their own research, and we must recognize that the ad model is more fragile than it seems.

This cooperative would build on the achievements of public broadcasting, while updating that model for the digital age. It would be tasked with creating a series of new services that foster cooperative enterprise, including e-commerce and payment platforms that don’t abuse their position as intermediary to extract high fees. Hind also thinks it should be responsible for building a new social network that brings together content from public institutions like museums, universities, and theaters to promote education and community instead of engagement and profit.

The general psychology here is the fact that when you take money out of your paycheck and set it aside into this investment before you have the chance to spend that money — you are far more likely to figure out how to make ends meet.

Having less advertising on the internet, and more relevant advertising where and when it’s still used in limited cases, stands to improve online life in multiple ways. Hwang believes this shift would open the door to “creating more diverse culture online again,” while Doctorow argues that “it will be MUCH harder for states to run mass surveillance programs,” and “our political discourse may refocus on the material conditions that make conspiracism thrive, rather than blaming high-tech manipulation.”

But for the other 128 hours in a given week — you’re not able to make any money at all, and this is essentially the definition of active income where you’re exchanging your time for money.