續上篇,主動收入同埋被動收入兩者各有千秋,分別主要喺工作上嘅自由度。打工賺取主動收入,必須按公司的規定上班工作,例如要在指定的時間回到辦公室上班、按照上司嘅要求完成工作,有時更要加班去完成工作,因為驚俾公司炒魷魚,會突然失去收入來源。可以向小朋友解釋點解爸爸媽媽成日都咁夜返,陪伴小朋友嘅時間好短,返工喺以時間、自由去換取薪金,借機會希望小朋友明白賺錢的辛苦,要珍惜佢哋擁有嘅一切。相反,被動收入喺靠投資分析及生意知識,借用別人的時間同金錢去換取財富及自由,因為即使喺你瞓覺嘅時候,被動收入都會幫你賺錢。
當然有辣有唔辣啦,想產生被動式收入,特別係創業,就要花好多時間、精神同埋要冒着唔少失敗的風險。而靠打工嘅呢,好處係公司會提供有薪假期及各項福利,較全面咁保護你同埋你嘅屋企人。喺下一篇會再講多啲關於兩種收入方式嘅利弊。

(Continuing…) The key difference between active and passive income basically lies with freedom at work. Active income requires getting your job done according to company’s request, e.g. go to work during fixed hours, complete the work within a predefined timeline and sometimes even have to work over-time to get it done to ensure job security. You can also explain to the kids why dad and mom sometimes come home late, and do not have much time to accompany them. We encourage parents to be transparent and share the pain as kids will understand the tough side of earning active income. On the other hand, passive income is earned by getting others’ time and money and investment knowledge to work for you. Money will be “auto-generated” no matter you’re asleep or on vacation.
Yet, setting up a business requires large amount of time & efforts being injected at the beginning, and is very often subject to high failure rate. That’s why most people prefer to get a job instead for its better security, employee benefits and financial protection for the family.

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