How Personal Financial Blogs Make Money RETIREMENT

How blogs make money. Image of the word

Have you ever been curious about how blogs make money?

Personal finance and investment are an excellent blog niche as the demand for financial advice never increases.

It’s a satisfactory job because bloggers can positively influence readers by helping them make smarter financial decisions.

Writing insightful content can result in you making money from multiple blog revenue streams that align with a blogger’s values ​​and mission.

However, creating significant income takes many months, if not years.

Bloggers who turn their websites into money-making assets have one thing in common: persistence. It takes consistency and continuous improvement to build an audience, write thoughtful articles, and implement blogging best practices.

Most bloggers never make a dime because they lose motivation before they become profitable.

Other bloggers get successful results using their website to boost their voice, which can open doors to career and income opportunities.

A website is the first step in creating an online presence. Once the best bloggers take a stand, they usually find unique opportunities to earn what works best for their skills.

However, most successful bloggers earn most of their money by creating excellent online resources and using proven writing and marketing techniques.

In today’s post, I’ll explain how personal finance blogs make money and give you a deep look at how I make money blogging on RBD.

Why I started my blog

The main reason I started Retire Before Dad was to make money. I’ve always been open about it, although many personal financial bloggers don’t like to admit it.

Writing a quality blog takes a lot of time. Bloggers who in one way or another do not make any money writing and maintaining the website will burn out at some point.

What has become an equally important part of writing to me is helping others. Knowing that my articles help people make better financial decisions is far more satisfying than my daily work.

My blog has also served as a creative medium since my career is not too exciting.

Blogging is very useful as a business model.

  • Low start-up costs
  • Easily scalable
  • Large potential audience (many people have money issues)
  • Multiple sources of income

In the beginning, my blog was part of the dividend blog community, which was strong and growing in 2013.

But I preferred to write about broader financial topics. My content and audience have shifted in that direction, opening up more opportunities for growth and monetization.

Retired before dad has little monthly reach compared to other early retirement and investment blogs. However, if I can help a small group of people improve their financial security, I feel compelled to create more helpful articles for new readers.

It turns out that providing helpful information to people looking for answers is the key to making money with a blog.

I am grateful that I jumped into this world because I love doing RBD. It helped support my family when I lost my job and connected with hundreds of interesting people.

The basics

Most bloggers use WordPress, the free, open source blogging software that runs over 30% of the world’s websites. WordPress is user-friendly enough so that anyone with basic computer skills can run a website.

The basic formula for bloggers is first to create content (blog posts) that should be read by people. Then drive the traffic to the content in every possible way. Data traffic takes place via search queries, social media, recommendations, RSS feeds and an email list.

Most website visitors leave the website very quickly after their arrival. However, some visitors stay and may take action that allows the blogger to make money.

It all starts with a click or tap, either a link, a button or a visual advertisement. Most clicks earn little to nothing. But a small percentage of the clicks will end convertor make money.

Generally there are three primary Ways personal finance bloggers can make money directly from their blogs – display ads, affiliate sales, and product sales.

Display ads are the most common. These are the ads everyone sees in the sidebars or when scrolling through an article on your phone.

Affiliate sales are usually the next level of blog monetization. These are links or graphics in a blog article that lead to external websites where partners pay when the visitor becomes a customer.

After all, experienced bloggers sometimes switch to product sales and create premium content for direct purchase. The products can be anything, but online courses, e-books, spreadsheets and printouts are typical of personal funding.

The income funnel ranges from the simplest (lowest income potential) above to the most difficult (highest income potential) below.

How blogs make money, a funnel graphic that shows symbols for entering blog traffic and rings with the potential for earnings from display ads, affiliate sales and products.

My blog only earns with the first two rings of the funnel. I didn’t dare to sell products.

I’ll go into each of these three monetization strategies in more detail in the next section. But they are just the beginning.

There are several other ways to make money with a blog and use an online presence to make money in the real world.

How blogs make money

The rules of online trading are constantly changing, so bloggers have to adapt.

Bloggers need to figure out what works for them and double down to create reliable sources of income.

Similar to investing, it is important to diversify income streams so as not to become too dependent on one source of income.

Older blogs earn with multiple sources of income.

Here is a list of 11 ways blogs can make money in the personal finance and investment niche. The list includes both direct and indirect earning strategies.

Indirect earnings are ways that bloggers can use their online presence to make money outside of the blog.

1. Display advertising

Display advertising is the most logical monetization strategy that can be implemented on a blog. By placing ads on blogs, bloggers can make money every time someone visits a website.

Google dominates online advertising. Google Adsense works with almost every blog. After logging in, simply copy a snippet of code and paste it into the blog. The ads will then start running.

Every time a visitor reaches a website, algorithms automatically run a mini-auction to determine which ad is displayed.

When a visitor clicks on an ad, the blogger can earn between a penny and a few dollars. Clicks are relatively rare, so decent traffic is required to earn more than pennies.

When the blog reaches certain monthly thresholds for pageviews (25,000, 100,000), the blogger can upgrade to higher-paying display advertising services built into Google ads and other networks for more competitive payout rates.

I use a company called Mediavine for my display ads and love it. Companies like Mediavine empower bloggers to become full-time entrepreneurs.

How much you earn is measured in RPM or revenue per mile, which means revenue per 1,000 page views. Depending on many variables (season, article topics), bloggers can earn between $ 5 and $ 25 per 1,000 page views. Newer blogs may start below this area.

So if you get 40,000 pageviews in a month, you can potentially earn $ 200-1,000.

Nowadays, I consistently earn $ 10 to $ 20 per 1,000 page views, even if someone visits an article that I wrote six years ago.

The downside is that ads can distract readers. I turn the ads off in new blog posts for the first two days so email subscribers don’t see them that often.

I implemented display ads after posting new articles twice a week for six months. It took three months to earn the first $ 100.

2. Affiliate marketing

Once a blogger has search and social media traffic, and possibly some regular readers, he can start affiliate marketing.

Affiliate marketing is when bloggers work with brands to mention and recommend products on the blog.

We place affiliate links on our websites. When visitors click or tap the links and buy a service or sign up for a service, the referring blogger may receive a referral payment.

This is one of the oldest ways to make money online. RBD sent me.

The key to success in affiliate marketing is finding win-win-win partnerships – when a blogger advertises a product or service that benefits the reader, partner brand, and blogger.

For example, I am a longstanding partner of a company called Personal capital (← this is an affiliate link) It is a free calculator and an aggregator for investment accounts, which I look at almost every day.

Readers love it, Personal Capital gets new users and I get a referral payment when some (not all) users log in and link their accounts.

In most cases, personal finance companies use third-party services that manage affiliate programs. The third-party providers enable the creation of URLs, the tracking of clicks and links as well as payments and the handling of tax matters.

Some of the more established third party partner platforms for personal finance bloggers are FlexOffers (where there is personal capital) A hit, and CJ.

Payouts range from a few dollars to a few hundred dollars, depending on what a customer is worth for the brand.

New fintech apps and survey companies that target young people pay the least. Credit card companies and wealthy investment platforms that target wealthy people compensate the most.

Here is an article I wrote about affiliate programs and blogging resources that is covered in more detail. The diversification of partners is crucial for building sustainable business.

My first conversion was a $ 12 head start for the now-defunct online broker LOYAL3. It happened ten months after my blog started.

Affiliate sales accounted for about 80% of my blog earnings in 2019.

Note: The FCC regulations require the disclosure of partners on all websites with partner links. This disclosure is at the top and bottom of every page of this website. I also provide affiliate links in bold.

3. Product sales

Affiliate marketing is an ever-changing venture. Partners come and go, and income can be unpredictable.

The next step for bloggers who want more control over their fate is to create blog-branded electronic products that are available for sale on their website. Instead of selling others’ products, they sell their own.

E-books and online courses are the most common. Bloggers can use their background and knowledge to create something unique and make good profits.

Products are one way to diversify income.

Once you have a product to sell, you can ask other bloggers to partner with you.

I have never created a product as this is a significant upfront investment that would affect my regular blog posts. There is no guarantee of success. This is probably something I should invest time in to take my blog to the next level.

4. Sponsored posts

A sponsored post is when a PR company, marketer, or brand informs a blogger about a particular topic that is to be published on the blogger’s website.

Established bloggers receive dozens of requests for sponsored posts every month. Typically, it’s a digital marketer hoping to include URLs in the content that point to a website (which helps websites build search engine credibility).

Another reason for a sponsored post is the awareness of the blogger’s audience. The price range depends on the search authority of the blog, the target group size and the target niche.

For example, a boutique yeast company would pay a lot to write content on the most popular sourdough blog.

For some bloggers, sponsored posts can be a main source of income.

In my more than six years as a blogger, I have only written one sponsored post. A company paid me $ 1,000 to draw attention to the launch of a relevant but memorable online product.

I had to weigh the advantages (making money) against the disadvantages (publishing an uninteresting article and risk of alienating regular readers).

$ 1,000 was enough to tip the scales.

5. Voluntary donations

Some bloggers don’t want ads to overload their blogs. Others don’t like to incorporate affiliate marketing into their content because they fear to turn readers off.

Instead, they ask readers to donate money to support their website.

Patreon is the primary platform to achieve this.

With Patreon, bloggers can ask readers to become monthly supporters, similar to your local NPR station.

The blogger then creates support levels for different dollar amounts, and readers can decide whether they want to be contributors.

For example, I could stop showing ads on my website and ask readers to volunteer to pay me $ 5 that will automatically be debited from your credit card every month.

If I asked 1,000 regular readers to pay me $ 5 a month, I would probably only convince a handful to participate.

Such a recurring payment would help me build income streams, but it would be against my teaching to eliminate recurring expenses in order to increase excess cash flow.

So Patreon doesn’t fit my brand and I don’t have to earn it. Some prominent bloggers have built a decent income on Patreon, and it’s an honest way for talented creators to make money in niches that are difficult to monetize.

6. Subscription-based blogs

One of the holy grains of online entrepreneurship is generating recurring revenue. So, provide a service that gives users enough value to log in and pay a monthly or yearly fee.

Some examples in the investment world are Safe dividend newsletter (which I subscribe to and am a partner) and Alpha options (Listen to the founder explain the business model on the website SPI podcast).

There is usually a free component, but they do require payment for premium buy or sell recommendations.

Subscription-based blogs are more like full-blown online businesses, but often follow a typical blogging model that regularly creates new content to motivate readers.

7. Freelance writing

One of the most common ways bloggers make money indirectly is through free writing. The author can use the website to showcase his style and track paid writing appearances, rather than waiting for the blog to get big enough to generate income

If you’ve set up a portfolio for writing in a specific niche, you can help other websites create their content by writing new articles. You don’t benefit directly from the blog, but use it as a launchpad.

Many writers prefer to know how much they earn for the time they spend writing. Freelance writing offers good writers stable income and a flexible career from home.

Writing appearances are not only displayed. The author has to “knock on the sidewalk”, contact the editors, attend conferences, and start small before expanding his reach.

Freelance personal finance writers typically earn $ 40 to $ 100 per 1000 words.

I’ve written a handful of paid articles for some websites, but I’d rather create content for RBD.

8. Become a published author

Becoming a published author is a dream for many writers. Some successful bloggers I know have used their websites to get book offers from publishers, including Tanja, Chad and Chris.

A blog is a portfolio of self-published online writing that helps build audiences and demonstrate writing skills. Traditional book publishers love to work with bloggers because they see their skills and have an established advertising platform.

Even if you can’t sign a legitimate book contract, it’s easy for Amazon to publish books for printing and downloading yourself.

A blogger I know first sketches an entire book. Then he writes the book chapter by chapter and publishes it on his blog. As soon as everything is written, he creates an e-book from the blog posts and sells it on Amazon.

Amazon buyers have no idea that he has already published it online, so he monetizes his writing on multiple platforms.

This strategy of sharing content across multiple platforms is another strategy to increase impact, page views, and monetization opportunities.

9. Podcasting

I know some bloggers who have switched from blogs to other media. Podcasts are a great way to build a new audience and reuse previously written content in a spoken format.

The blog does not disappear, but it serves as a basis for people to learn more about the podcaster. When you send a listener to your website, you can also monetize your visit with an ad click, an affiliate conversion, or a product purchase.

In podcasts, the hosts recommend a URL, which is often a partner link. As soon as you have entered this link, this corresponds to clicking on a desktop or mobile partner link.

Podcasters can also earn money with sponsorships.

10. YouTube

Similar to how podcasting works with blogs, written blog material can be converted into videos to create advanced content. When bloggers share content on YouTube, they reach a whole new audience.

YouTubers can create visually appealing content such as screen shares and graphics that are more meaningful than just screenshots in a blog post. This is an area where I’ve considered adding videos to certain blog posts but haven’t yet motivated to get started.

YouTube then places ads on the videos and the content creator also earns money there.

11. Speak

A less common way for personal finance bloggers is to use their online platform to get paid lectures.

Paid speaking is not for everyone. But with practice and persistence, most blogging niches always have ways to speak. It takes time and experience to make a significant income, but it can lead to a full-time income.

When speaking in lectures, it is helpful to have a blog and a published book. A blogger I know received over $ 20,000 for a 45-minute lecture at a major investment bank.

That is at the top. Most paid appearances range from $ 500 to $ 5,000 depending on the customer.

How Personal Finance Bloggers Get Website Traffic

Blogging is not build it and they will come Activity. You have to work hard to get readers. There is no money without traffic.

The first step is to write high quality content that solves or entertains a reader’s problem.

Then promote, promote and promote.

Write again – then apply again.

Over time, as page authority and social media channels increase, bloggers can focus more on content and less on advertising.

Here is an important list of ways bloggers can get traffic.

Email list

The first step in building a blog audience is to create an email list of subscribers. Creating an email list from the start is important because bloggers own the list unlike social media followers and searches.

You can sign up for my email list here (or on my redesigned homepage).

Free email marketing software is available to collect emails from day one. I use a service called ConvertKitthat covers the basics for free and offers advanced segmentation and automation functions at annual costs.

I email subscribers for every new blog post. I also send an automated email sequence so new subscribers can get to know my blog and can email my list directly with special announcements or offers.

Referral traffic

Adding thoughtful comments to the end of articles written by other bloggers in a similar niche is one of the most primitive but effective ways to drive early traffic to your website.

I commented on various dividend blogs almost every day for about two years. Every day, these comments would draw a handful of visitors to my website.

Early it was only a handful or so a day. But that won for me. More importantly, I’ve built relationships with other bloggers, which has led to articles, links, and real relationships.

When someone comes to a website from another website, one speaks of referral traffic.

Commenting became an ineffective use of my time as my traffic from other sources began to grow. However, I suggest that new bloggers start because this is how you build relationships and build an audience.

Search traffic (SEO)

Most blog monetizations come from search traffic, as these visitors are looking for something specific, often with the intention of buying.

As soon as a blog has been around for a few months and creates high quality blog posts, Google and other search engines notice this.

Search engine optimization (SEO) is an entire industry and a profession dedicated to the science behind making Google send you free traffic based on keywords. Keywords are phrases that people search for when using search engines.

The more established and legitimate the website is, the more likely Google will send traffic. Bloggers can increase theirs Page authority by getting link-backs from other websites, ideally from websites with high authority.

There are several tools available that bloggers can use to target keywords.

I use a paid SEO tool called Long Tail Pro This helps me determine which topics to write that my audience likes and can help me rank on Google.

Google and others have free tools that you can use to set content strategies. However, I’ve found that the paid versions are worth the cost.

Social media

Bloggers can use social media followers to increase traffic. It can start with friends and family. But over time, bloggers need followers who are really interested in the topic and the point of view.

I first started building a fan base on Twitter because I saw a lot of other bloggers there. But Pinterest, Facebook, and probably Instagram are places where blog posts are advertised so people will notice them.

Not long after the great recession, social media became a driving force in blog traffic. Social media helps to improve the competitive conditions somewhat, as it has a certain influence on Google.

Bloggers are now focused on building their social media brand and presence, allowing them to share content with followers and increase traffic for free.

A large fan base helps build a blog, but engagement is more consistent. Bloggers must give followers a reason to visit a website, usually through a compelling title or image.

Social media is free and therefore another inexpensive attribute for online entrepreneurship.

The dominant websites (and search engines) all offer paid advertising, which is a completely different industry. New websites on a budget can invest in ads to attract readers and customers.

I actively share content Pinterest, Twitter, and Facebookand I’ve been running low-cost ads on Facebook for many years to generate traffic and attract new readers.


I mention YouTube above and in this section because this is one way to increase blog revenue and drive traffic to a blog. It is a free content platform.

I’ve watched other bloggers become primary YouTube developers, but I’ve never given up on the blog because it’s still the home base.

A home base is essential as YouTube, Facebook, Twitter and Pinterest determine your destiny and it’s free to change policies or lock accounts at any time.

Bloggers can also be guests on established YouTube channels to draw attention to their website.

YouTube is the second largest search engine on the Internet and Google owns it. Therefore, from many points of view, it makes sense to focus on creating YouTube to generate blog traffic and develop a different stream of income yourself.


Podcasting has slowly become the preferred media landscape for commuters and others who have given up traditional radio.

Bloggers sometimes create podcasts to build a more personal relationship with their existing audience and reach a wider audience.

Another powerful tool to increase traffic and readership is to be a guest on established podcasts. Podcasts in almost every niche are plentiful. So if you turn to smaller shows with guests, there is a possibility that you will be featured in an interview.

In 2019 I was a guest at ChooseFI podcastwho has a very large following. I’m still getting reader emails telling me that this was the first time I heard about my blog in this podcast.

Media mentions

One of the most effective ways to drive traffic to a website is through the mainstream media mentions. Bloggers want to be featured in newspapers and major financial websites to build influence and backlinks. The reach may reach thousands of readers, and links to important websites form the SEO authority.

Networking in personal or Facebook groups is one way to develop the relationships that need to be presented.

There is also a service called HARO (Help a Reporter Out) that brings together professional journalists and sources who meet the requested criteria (e.g. 30 people who still have student debts).

It is also possible to contribute to a large news agency that can increase awareness and traffic.

For example, I wrote a few dozen articles for the US News & World Report. These articles introduced me to thousands of readers, some of whom are still email subscribers.

I also wrote about stocks for Seeking Alpha for a while. They paid me and sent traffic to RBD.

Here is a list of previous articles and RBD features from the past six years.


Es gibt einen alten Witz beim Bloggen, dass der beste Weg, um Geld mit dem Bloggen zu verdienen, darin besteht, über das Bloggen zu bloggen.

Ich wollte nicht, dass dieser Beitrag ein “du solltest einen Blog starten! “ Artikel. Bloggen ist nicht jedermanns Sache. Aber da ich mein Blog zum Aufbau einer Einnahmequelle verwendet habe, dachte ich, dass viele von Ihnen neugierig wären, wie Blogs Geld verdienen.

Das Starten eines Blogs ist eine kleine anfängliche Verpflichtung, die dazu führen kann, dass Türen geöffnet werden. Es hat mein Leben und das vieler anderer besorgter Unternehmer verändert.

Ich habe einen Artikel mit dem Titel “So starten Sie ein Online-Geschäft” geschrieben, in dem erklärt wird, wie Sie beginnen.

Sie starten entweder ein kostenloses Blog auf oder kaufen einen Hosting-Plan von einem WordPress-Host wie BigScoots (wen ich jetzt benutze) oder Bluehost (seit vier Jahren verwendet, gut für Anfänger, billig).

Für die meisten Plugins (WordPress-Software, die coole Sachen macht) und Monetarisierungsstrategien wird ein Hosting-Plan benötigt.

Das Wichtigste ist, mit dem Schreiben und Veröffentlichen Ihrer Arbeit zu beginnen – Sie lernen dabei die minimal erforderlichen technischen Dinge. Wie Sie an der Verbreitung von Blogs im Laufe der Jahre erkennen können, ist es relativ einfach, ein Blog zu starten.

Um eine erfolgreiche aufzubauen, sind Ausdauer und die Fähigkeit erforderlich, Ihre einzigartige Perspektive auf das von Ihnen gewählte Thema zu präsentieren.

Habe ich etwas vergessen? Haben Sie Fragen dazu, wie Blogs Geld verdienen?
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