Preview Chapter Six:

Earned income is money you make through working for an employer. This is the most common source of income for students. In this section, you’ll learn:

• The best part-time jobs for students in the Netherlands
• How to maximize your hourly wage and work benefits
• Work permit rules for international students

If you have an entrepreneurial mindset, starting a small business or side hustle can be a great way to earn money. This section covers:

• How to turn your skills or hobbies into a profitable business
• The basics of freelancing, e-commerce, and tutoring
• What you need to know about registering a business in the Netherlands

Dividend income comes from owning stocks in companies that pay regular profits to shareholders. Even as a student, you can start investing with small amounts. This section explains:

• What dividends are and how they work
• The best beginner-friendly investment platforms
• How to earn passive income through stocks

Interest income is earned when you lend money and receive interest in return. Although not as common for students, this type of income can come from:

• High-interest savings accounts and how to find the best ones
• Certificate of Deposits (CDs) and whether it’s worth it
• How to safely earn interest from your money

Residual income is money you continue to earn after doing the work once. This is one of the best ways to generate passive income as a student. In this section, you’ll learn:

• How to earn money from affiliate marketing and content creation
• The basics of writing e-books, online courses, or print-on-demand products
• Why passive income requires effort but can pay off long-term

If you create something unique, you can earn money every time someone uses or buys it. This section covers:

• How to make money from music, art, photography, or writing
• Platforms where you can sell digital or creative work
• How students are making money from licensing and royalties

Owning property as a student might not be realistic, but rental income isn’t just about real estate. This section explores:

• Renting out an extra room legally as a student
• Earning from renting bikes, cameras, or even textbooks
• Peer-to-peer rental platforms that let you make money from what you already own

Capital gains are profits earned from selling an asset for more than you paid. This can come from:

• Buying and selling stocks, cryptocurrencies, or collectibles and much more

By understanding and leveraging these eight income streams, you can increase your financial stability, reduce reliance on loans, and even start building wealth while still in university.