How "Refer and Earn" Can Become Passive Income: 1. Pick programs with recurring commissions Some referral programs pay you not just once, but every month as long as the user stays active (like SaaS tools, web hosting, subscriptions). Example: Web hosting companies (like Bluehost, Hostinger) SaaS products (like Canva Pro, TubeBuddy) Financial apps (trading platforms, neobanks) 2. Create content that keeps getting traffic If you just refer people manually (like sending links one by one), it's active work. But if you put your referral links into content that keeps working (like blog posts, YouTube videos, reels, etc.), that’s passive. Examples: Write a blog post: "Best apps for students" → include your referral links Make a YouTube tutorial: "How to invest your first $100" → referral links in description 3. Use social media automation Create evergreen posts with referral links and schedule them to post automatically (using tools like Buffer, Later, etc.) This way, new people always see your link without you doing daily work. 4. Email lists Build an email list and share valuable tips + your referral links. Once built, the email list keeps working for you passively. 5. Focus on high-paying referrals Not every referral is worth it. Some give $0.50, others give $100+. Target programs that offer big commissions for less effort. --- Example Scenario You write a blog post titled "Top 5 Investment Apps for Beginners." Each app has your referral link. People search on Google, find your blog, click your link, and you earn commissions — even while you sleep. --- Pro tip: The real passive part happens when your content brings people automatically, not you manually sending your link. --- Would you like me to also suggest some good "refer and earn" programs you can use right now depending on your niche (finance, apps, tech, etc.)? Or maybe ideas on how to mix it with your "Money Lifo" blog? Let’s make it real if you want!