Building a Successful Online Training Business in 2024

Creating and offering online services is an essential opportunity every modern trainer would be wise to invest in. Don’t be left behind in this new paradigm.

Through coaching, programs, products and monetizing your content, you can create amazing products for your clients and customers while running a thriving business.

Rules For Reading: While reading, think on the following . . .

  1. Relationships, not tactics, are the fundamental currency of a personal trainer.
  2. Your immediate success is equal to the quantity of imperfect actions you take every day.
  3. Your long-term success is equal to the quantity and quality of actions you take every day.

Table of Contents

  1. Suggested Requirements
  2. Your Coaching Compass
  3. How Much to Charge
  4. Your Online Offerings
  5. Virtual Personal Training
  6. Hybrid Personal Training
  7. Training Programs
  8. Create Video & Audio Content
  9. Build an Online Presence, Then Monetize It
  10. Running a Professional Business
  11. Collected Secrets to Online Success
  12. Online Trainer Certifications
  13. Further Reading & Resources

Future Chapters & Topics

  • Choosing and forming a business entity, client onboarding, structuring prices and packages, monetizing your online presence, keeping client files, how to run an online training session.

Suggested Requirements

Requirement #1: Have a reputable training certification.

While there’s no requirement in the United States to have any certification to train others or to call yourself a personal trainer, everyone from the career professional to the part-time hobbyist will benefit from being a member of a reputable training body of coaches and possessing the underlying knowledge they certify. Aside from professionalism and foundational knowledge, you are inviting financial woes for you and your business should you be named in a lawsuit without one.

Requirement #2: Have a minimum of 1 year in-person coaching experience with actual paying clients (friends and family don’t count).

In my experience, it takes about 1-2 years for a coach to find their “voice” and methods. If your goal is excellence and mastery of craft then being in an environment working face to face with clients while surrounded by other professionals is the optimal environment for creating exceptional coaches. When coaches skip this step, their work suffers and it shows through in the finished product, although there are certainly outliers.

If you’ve completed the above, then you should already have a decent understanding of biomechanics, programming, sport psychology, and basic business. I’ve included further reading and recommended resources on these fields that I’ve found useful towards the end of this guide.

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Your Coaching Compass

Recommended Watching: Start With Why, Simon Sinek

Assuming you’ve met the above criteria, we’ll begin with a few homework assignments that will serve as the foundation of your online business.

Take out a journal and answer the following in writing . . .

  1. What actual problems do you help your customers (clients) solve?
  2. Why do you want to help them solve those problems? Go deep on this one.
  3. What products and services would you like to sell to solve these problems?
  4. Read 1,000 True Fans by Kevin Kelly and speculate how many true fans (clients) you require. Do this for all your imagined products and services.
  5. Determine a rough estimate for your desired annual income to support your desired life.
    • First you’ll need to have a rough idea of your current monthly budget and expenses, I use and love YNAB. (Affiliate Link)
    • Second, write out your life goals including the things you’d like to experience and have. Then put a rough price tag on those items.
    • Playing with your monthly budget and goal price tags should give you a rough target goal for monthly and yearly income.

Having completed the above, you’ll have accomplished . . .

  • You know what problems your potential customers have.
  • You know why you want to solve those problems.
  • You know how to solve those problems.
  • You have real-world experience having solved those problems.
  • You know what products and services you will offer to solve those problems.
  • You know how many true fans (clients) you need with problems that need solving.
  • You know what rough price points you should be charging for your services and programs to solve those problems.
  • You know if being an online trainer is a reasonable career path to fulfill your desired lifestyle. (There’s a reason many trainers exit personal training after 1-2 years to sell real estate, etc)

The answers to these questions are your coaching compass. When you get lost or bogged down in the details, referring back to this information will point you back in the right direction.

Once you know the “why”, the “how” and “what” we should do tends to answer themselves.

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How Much to Charge

One of the most common (and financially fatal) mistakes trainers make is pricing their services too low.

People unconsciously use price as an indicator of quality, so charge a fair price for your services. People value what they pay for, and to the level they have to sacrifice to obtain it. When we give something away for free, can we act surprised when people treat it as worthless?

A harsh lesson that many trainers have learned the hard way, is that charging a low price attracts a certain kind of customer, and that customer will produce a small fraction of your needed revenue while producing a majority of your headaches.

The lower your prices as a trainer, the more often you’ll find yourself feeling taken advantage of by customers.

This is why you should rarely offer discounts on a premium service, you are robbing your customers of the opportunity to invest in themselves and cheapening your perceived services. The work your clients put into their transformation will be correlated to the prices you charge.

Charge a fair value for your services and you will attract clients who you will love to serve and respect you and your business.

The true currency for every trainer is the relationships you build. We could talk about lifetime revenue averages and more, but if you take care of your customers and nurture the relationships with them, you’ll find the money quickly tends to take care of itself.

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Your Online Offerings

Online training isn’t radically different than in-person coaching, the medium changes along with the limitations of what’s possible but the fundamentals remain the same. You’ll be performing much of the same movements, and having the same conversations.

Some examples of “what” you can do as an online personal trainer . . .

  • Virtual personal training, taking clients through a live workout in their home through a video streaming app.
  • Training programs, as one-time purchases or as monthly subscriptions, to individuals or large groups.
  • Hosting challenges and contests, such as 90-day body transformations.
  • Monetizing your blog, podcast, or social media through advertising or sponsors.
  • Writing books and ebooks. (Amazon self-publishing)
  • Creating courses. (Udemy, Skillshare)
  • Hosting live events. (Eventbrite)
  • Affiliate marketing.
  • Physical products such as supplements.
  • Multi-level marketing schemes. (99% of people lose money in MLM’s)

You’ll likely end up doing a mix of these. I focus on concierge quality one-to-one personal coaching with no more than 25 clients in addition to offering a monthly subscription-based training app. I also use affiliate marketing, which mostly covers the cost of my website hosting, not a big money maker.

Keep in mind that overhead is death to every small business. As you read through these offerings, I recommend launching a minimal viable product first to see if you enjoy the product and service to begin with and then iterate on that product based on your customer’s feedback.

One of my biggest mistakes I made starting out was using too many premium software services and subscriptions to run my business, costing 2-3 times what I pay for now.

To give you an example of my overhead these days I use . . .

  1. Streaming software for to 1-to-1 client sessions.
  2. Training program software with built-in billing services.
  3. Accounting software for tracking income and expenses.
  4. Website hosting.
  5. Cloud data storage.
  6. Editing software for podcasts and YouTube.
  7. Liability insurance.
  8. Software for digitally signing liability waivers, PARQs, and health intake forms.
  9. Gmail and Google Calendar.

All things considered, I now have a very lightweight system for my overhead and prefer to keep it that way.

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Virtual Personal Training

The simplest transition for a personal trainer to make is to move from in-person coaching to live training through video streaming apps such as Zoom or FaceTime.

All you need to get started is simply a modern phone, tidy living room, adequate lighting and clear audio. The biggest challenge most trainers will face isn’t the technicals of your video calls but how to be flexible with the equipment your clients have if they are using this service out of their home. We’ll cover both in detail.

The four big ingredients that make for an enjoyable virtual session for you and your clients are . . .

  1. Strong and stable connection. If you are going to spend extra for quality, do it here with your internet provider, WiFi and router. You’re clients will notice and appreciate the difference.
  2. Loud and clear sound quality. Minimize background noise as much as possible.
  3. Bright natural lighting. If you lack natural light, fill in the gaps artificially.
  4. A tidy backdrop. Bonus points if your home is well decorated, but keep in mind well decorated doesn’t have to mean expensive. Look at what IKEA catalogues impressively pull off with such inexpensive items.

Streaming Video

  • Phone: Any iPhone or Android made in the last few years.

Surprised I didn’t list a $1,200 DSLR setup connected to a laptop? Remember our reading rule, “what would this look like if this were easy.”

iPhones have some of the best cameras available for streaming video along with superior versions of zoom, hangouts, and skype over their android counterparts, with the added benefit of coming with FaceTime which many of your clients love and use already.

The majority of my online personal training is done through simply using my iPhone, although I have experimented with using the mirrorless camera linked below connected to zoom on my MacBook. The quality is great, but it’s really not that much better than simply using a smartphone these days.

Worried about quality on your clients end? Many of my clients put me on their television through a chromecast or Apple TV. When asked, all my clients have mentioned the quality looked great.

Video Call Software

  • Zoom, Teams, FaceTime, Hangouts, WhatsApp, Messenger, etc

I use whichever video streaming software my clients feel most comfortable with, which is why I use all of the above. However, if it is up to me, I’ll typically use Zoom.

I like Zoom since it currently has the best wide angle framing of my picture for clients, allowing clients to see more of my home gym space and movement demos without having to have my phone more than 6 feet away from me.

Don’t be afraid to help educate your clients on using streaming software. Many will be reluctant at first for personal training because it is unfamiliar which is why I tell clients that if they don’t love their first virtual session, it’s completely on me, and then I help work out what questions and concerns they have. Note, I don’t make the first session free like trainers in big box gyms do, just as low risk as I possibly can.

Lighting

A fast and easy way to make a cheap setup look pro is to have quality lighting. Eliminate those dark shadows! This is the light combo I started with, and I’ll probably be upgrading my Godox soon since I’d like a variable temperature light for fall/winter in the Pacific Northwest. However, when starting out I think this combo is an absolute steal, and the remote the SL-60W comes with is a real-time saver.

Tripods

A tripod makes it easy to move my camera system around my home studio, which is one more reason I prefer streaming from a smartphone than my dedicated DSLR. I use the Amazon basic in my studio apartment and the Manfrotto for when I need a tripod for coaching at my health club or when traveling.

Sound

If you constantly have to shout because clients can’t hear you or your audio quality sounds like you are streaming from a potato, your clients aren’t going to be repeat customers for long.

AirPods are in my opinion the best-in-class option if you’re going to be streaming audio to your laptop or phone. The battery life is amazing and the speech quality is fantastic for what they are. Being able to have quality wireless sound for a personal trainer is a must.

A desktop mic adds a professional (and visual) layer to your client calls such as when you do intakes or just simple meetings that don’t involve working out.

Also, at some point you’ll shoot videos and need to do a sound overlay on them or even host a podcast. You could use your AirPods or a phone mic, but the sound quality will be subpar for such content. Using a nice USB mic like this will help put that extra professional layer over your content.

Lavalier mics are a great way to get awesome sound quality for talking head content such as live-streaming Q&A on Instagram or Facebook.

Misc Gear

I keep a cord tied to my tripod so I can charge my iPhone or camera while I record or stream. I also move my tripod around a lot in my studio so having a minimum of 10 feet of cord is essential.

If you stream video from your phone, you’ll want a nice mount.

Fitness Gear

I wrote my clients a simple home gym gear guide which you are welcome to refer to.

If you have bands, a backpack filled with water bottles, and a knowledge of bodyweight exercises, you can give your clients a world class workout.

Need more ideas? Check out old home dvd workout programs like Insanity and P90X. These programs were purchased by millions and required little more than dumbbells and a pull-up bar, and often even less than that.

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Hybrid Training Model

The hybrid training model is simply combining your in-person training with online programs and systems into one seamless service. With clients you’ll may meet face-to-face or virtually in regular intervals for training and assessments, and then deliver the remainder of their program and support virtually through apps or web services for a recurring monthly fee.

The benefit of the hybrid model is the flexibility and cost effective approach it offers to clients where they can receive high quality coaching and support with buying as much in-person training as needed, while offering stability and convenience for the personal trainer.

This could be training a client twice per week, or twice per month paying your usual training rate, in addition to a monthly “performance plan” that covers the cost of their additional online workouts, habit tracking, meal plans and check-ins. Naturally this is all customized to each client, and can be done through specialized software or inexpensively through google docs and email.

The value for the client is they now receive concierge service for their health and wellness with the added flexibility of increasing or decreasing their sessions as their life changes. Sometimes clients will be motivated and want to train 2-4 times per week, other times they may be coming off a stressful life situation and ask for once every other week. The hybrid model allows you the flexibility to meet the clients needs and help them avoid “putting things on pause” where they inevitably fall off the wagon. For most personal training clients, the objection isn’t money, but time and cognitive load to engage in training, which the hybrid model helps alleviate.

Hybrid Model Fees

  1. In-person training fee for the desired amount of monthly sessions.
  2. Monthly rate for the client’s performance plan.

Two simple formulas for pricing your performance plan monthly. . .

If the client is training in-person twice or more per week . . .

# of weekly sessions with your client X your normal session fee / 2

If the client is training in-person once or less per week . . .

# of monthly sessions with your client + estimated weekly hours of support X your normal session fee / 2

Example with formula #1. Your training rate is $100 per hour, and your client trains with you twice per week totally $200. Divide this by 2, equaling $100 per month for their performance plan, in addition to the cost of their weekly sessions.

This should give you a rough starting point to set your minimum monthly price on virtual training.

Often clients will seek to arrange this system where they train with you once or twice per month, but will still require the time and attention of a client who trains with you 2-3 times per week. A poor arrangement for the trainer.

In this scenario we use formula #2 where it is beneficial to price your performance plan to the level of service they are requesting.

With formula #2 the client is requesting 4 online workouts per week including additional services such as nutrition planning and habit tracking which would take you 2 hours per week, while training with you in-person twice per month. 2 monthly sessions + 2 hours weekly support x $100 training rating divided by 2 = $200 for their monthly performance plan + $200 for their monthly training session = $400 total.

The client who objected to a single weekly session at $400 a month is unlikely to have the same objection for your professional workouts, support, tracking, support and bi-monthly sessions at $400.

Set Your Minimum Price

Having done the homework with your coaching compass in the beginning of this guide, you should know the minimum prices to charge for your services. Use that price as a rough guide on how to structure the balance of online with in-person training using the hybrid model.

Setting Expectations

Often with online training you’ll encounter the extremely high maintenance client or those who simply ghost.

To avoid these frustrations, you must set expectations for yourself and the client. Communicate early your expectations with clients on their communication and how you will be responding. Clients value consistency and transparency.

Setting expectations means . . .

  • When clients homework such as workouts and plans will be posted.
  • When you answer texts, emails, in app messages, etc, and when you don’t.
  • The next steps you take as a coach if they ghost or fail to use the service.
  • How you’ll support your client if the workouts and habits aren’t to their liking, or they find they aren’t following them.
  • How and when you’ll adjust the pricing of your service if they require more time and attention.

Be proactive in communicating these expectations, and revisiting them as often as needed as you continue to tailor your concierge service for them.

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Training Programs

Writing training programs is an essential role for every personal trainer and is a natural extension of your work to bring online.

There are two effective methods to structure your online training . . .

  1. One off programs your clients can purchase and own, through PDFs or paywalled video or paywalled training platforms.
  2. Subscription based teams that include monthly content and interaction from yourself as well as the program itself.

There is a lot of competition for online programs. In fact, why would anyone pay for an online training program these days when they are functionally free thanks to freemium apps and YouTube channels?

Two reasons.

One is people buy the fantasy. People will buy your programs based off your brand and the promised lifestyle you are selling, this is why “warrior” and “celebrity” programs are the most searched for on google.

Two is people buy the connection. People will join your program based on your personality and the opportunity to have you as a coach and the connection you deliver.

I personally do both, but I believe the least crowded channel now for a coach is to create a subscription based training program.

Program Platforms

There are plenty of training platform online but this is my favorite platform. I use this to write training programs I can share to clients and to form training “teams” that clients can purchase access with a monthly fee. I love that these clients can interact with each other using the included team feed and compete with the day’s workout if they so choose.

  • One-to-One Coaching: N/A

For one-to-one coaching I would love software that has robust automations and allows me to create training programs, meal plans, habit tracking, signing legal forms, progress tracking, custom branded smartphone apps, and sms messaging to keep clients on track. In the past I used PTDistinction, but I realized I wasn’t actually using all these features, and neither were clients, in fact for many of them it was one more added thing to have to deal with.

Now I piecemeal out my software needs to a platform for delivering training programs, text messages for short-form communication, email for long-form communication, LoseIt for meal tracking, and signed pdf’s for legal forms.

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Creating Video & Audio Content

Video and audio content is the future and has been for a while. Listening to audiobooks and podcasts is now mainstream, and many listen to YouTube videos in the background while they work.

If you are planning to create a podcast, YouTube channel, instagram, or Facebook then it may be worth the investment to eventually go above and beyond the smartphone tools listed above.

Me personal setup is . . .

I don’t think every trainer needs this kind of gear, and that it should be low on the list of what to buy when you first start. But for me, I invested early so I could start to learn how to use professional tools that will serve me for years on making professional content. My early content using these tools hardly outperformed using an iPhone and lavalier mic, but I’m betting that in the long run, the compounding value of knowing how to use such tools along with the increased growth ceiling will more than pay for itself.

I specifically choose the above because the kind of content I see myself creating is talking head content, training videos, and possibly vlogging. I also highly value portability. Be sure that whatever tools you buy matches the intended use.

Editing & Apps

  • At Home: 2020 27″ iMac with Final Cut Pro X

I also use an older gaming monitor as my second screen.

I commute to work via an electric bike and I’m not a fan of having to carry 10-20 pounds of tech between my laptop and camera gear. An iPad is a total game changer for trainers with it’s note taking ability and for quickly editing content for social media with the native iOS apps.

  • Social Media Stuff: Canva

Canva is free and easy to use for creating thumbnails, quotes, or generic social media posts. A great way to create a unified brand identity.

Other Apps :

  • Client Note Taking: Notability
  • Task Management: Omnifocus

Omnifocus is insanely robust, and overkill for most casual users, but as a power user it fits my needs perfectly. The apple watch app is also fantastic with reminders and dictation.

  • Client Files: DayOne.

Built for journaling, but I use it for my client files because I think of them as ongoing “journal entries” (more on this later).

  • Writing: Ulysses.

Beautiful and syncs flawlessly.

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Build an Online Presence, Then Monetize It

Building an online presence is an essential part of being an online trainer, obviously. But this doesn’t mean you need a website. You can use your Facebook or Instagram as your virtual business card, and master the platforms to extend your reach using quality content and eventually targeted advertising.

A few rules for online marketing . . .

  1. Give before you ask by producing and distributing free content to build relationships and trust as an expert in your field.
  2. Talk with your customers, not at them.
  3. Make your services easy to understand and easy to buy.
  4. Do a great job and make sure everyone knows about it.

Social Media

Whatever social media platform you choose, pick only one platform to master for 3-6 months and then add a second platform of your choice.

Logical choices for trainers in 2024 include Facebook, Instagram and TikTok.

When creating external links for your social media, rather than having a linktr.ee, consider having only one link where you want to direct people’s attention and has a call to action.

The more confusion you create for a customer, the more likely they are to close your laundry list of a linktr.ee and keep scrolling.

Website Hosting

While I said I don’t think anyone needs a website above, I believe every professional benefits immensely from having an online home the they “own” where their work can live and serve as an ongoing project.

A note on websites, I personally hosted and installed my own but I’d recommend other trainers probably just use squarespace. I enjoy the fact that I “own” my website gregorysvoboda.com but it was also a lot of backend work upfront which included choosing hosting, installing wordpress, themes, and then learning some basic code to adjust it. The experience was incredibly valuable and I’d do it again, but it was a lot of time, time I wasn’t getting paid for.

Email is still one of the best ways to maintain your customer with how personal it is. Many times you may not convert a client after a consultation but can ask if they’d like to stay in contact with you on your newsletter, often they’ll agree and if your email content is helpful, who do you think they’ll come to when they need a health and fitness problem solved?

I use Amazon affiliate links whenever I write guides / newsletter or need to send clients links to items. It’s nice because of the URL shortener but it certainly doesn’t make me rich. Probably makes me around $200-400 per year with casual use, enough to cover hosting my website which was it’s intended purpose when I started. If anyone tells you that affiliate marketing makes you rich, run.

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Running a Professional Business

Part of the fun of being an online trainer can be learning and mastering the business side of things.

Unfortunately, too many trainers find such business intimidating and choose to avoid it but being your own boss comes with the added responsibility of bossing yourself.

Part of being your own boss means . . .

  1. Forming a relevant business entity in your state after accumulating a certain gross yearly revenue.
  2. Minding the legalities of training such as liability insurance and waivers.
  3. Tracking billing, expenses, taxes, and paying them on time to all appropriate state and federal entities.

I don’t think any new online trainer should run out and form a sole proprietorship right away but personally once I accrued more than a certain amount of revenue, it legally and financially made more sense to have a sole proprietorship.

This will vary state to state so be sure to check with your states department of revenue.

Payment Processing

  • Peer-to-Peer Payment Apps (i.e Venmo, PayPal)

I won’t get into specifics since many state in their terms of service you aren’t allowed to use them for billing business services, and if discovered you could be banned, although I haven’t heard of it happening. But most trainers I know start with using these apps to bill clients, and clients will rarely ever mind.

A note on taxes . . .

You’ll still need to pay taxes on any service fees you collect through peer-to-peer cash apps, and failure to do so will carry heavy fines for failing to report it as income to the IRS. A good rule of thumb is to set aside 15% of whatever you charge for taxes, this varies depending on your state.

Many trainers I know choose to treat these apps “like cash” and not report it to the IRS. Big mistake, it’s illegal and also in my opinion unprofessional. Always report all your income (including cash tips) regardless of billing service to the IRS under a schedule C on your tax returns. More on this later under establishing a sole proprietorship.

I like it for the iOS apps, but there are plenty of alternatives.

Scheduling

Calendly syncs with your gmail calendar to allow clients to schedule sessions. A life-saver and free to use if you only need one event type (such as a 45m session).

Legal Best Practices

  • Liability Insurance: Check with your certification institution.

Aside from keeping your clients best interests at heart should the worst happen, liability scams are increasing and the likelihood you could be involved in a lawsuit is always a possibility.

Trainers should always be careful of any behavior that could be construed as impropriety leading to sexual harassment claims. Unfortunately false sexual harassment insurance scams are also increasing due to the ease of insurance payouts in many cases, especially amongst independent trainers.

  • Health Intake Form: Check with your certification institution and liability insurance.

It’s important to know all of a potential clients health conditions before you train them. Ignoring any health condition through negligence or ignorance could lead to injury and even death. As a former EMT, I want to stress the importance of making sure you know this stuff and keep it in mind every session, especially if you work with special populations.

  • Hold Harmless Liability Waivers: Check with your liability insurance.

While it won’t stop a lawsuit if someone really wants to come after you, using a hold harmless waiver is a best practice to ensure your clients understand that fitness training carries reasonable risk and you are not to be held liable for it except in cases of negligence. If someone gives you pushback or refuses to sign (very rare) then personally I would refer them to another trainer.

Any waiver you use with a client should be reviewed by an attorney in your state to ensure it meets all relevant laws and will extend protection in case of a lawsuit.

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Collected Secrets to Online Success

A few collected thoughts to online success . . .

  • Do a great job.
  • Make sure everyone knows you do a great job.
  • Make your services easy to understand and easy to buy.
  • Find the problems people have, and match the product to solving that problem or refer them to someone who can.
  • Post on your platform of choice daily, people will constantly need to be reminded you exist and so does your business.
  • Humans judge a book by its cover. Walk the walk by being as visually healthy and fit as you can be within your circumstances.
  • A good question to ask if you aren’t getting clients, “how many people have I talked with today?” Real, actual, conversations.
  • We live in the attention economy, and the new golden rule is don’t be boring.
  • No one actually believes written testimonials. But if you have before and after photos of clients bulking up or losing fat, include them. People believe what they can see.
  • Put a big “BUY NOW” button front and center on your site for the service that will solve their problem.
  • No one cares about why you love training, your alphabet soup of certifications, or your personal journey. We care about it a lot as trainers, but customers 99% of the time don’t. They care about how well and how quickly you can solve their problems.
  • Quality content is the best SEO.
  • Immediate Success = the quantity of imperfect actions you are willing to take everyday.
  • Long-Term Success = the quantity and quality of actions you take everyday.

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Online Trainer Certifications

Become a “Certified Online Trainer” for just $500 or $1,000 or $3,000 today!

One of the quickest routes for a personal trainer to get rich quick in the fitness industry is to sell certifications, especially certifications that promise “freedom, success, helping others and the promise of having the right answers.”

The trendiest health and wellness grift in 2024 is coaches coaching coaches.

But rarely is there anything you can learn or apply in these courses you couldn’t learn from talking with fellow trainers, modeling behaviors from personal trainers you admire, and buying inexpensive knowledge specific courses or books while posting helpful and interesting content every single day.

Much of the information in these courses are ripped straight from $10-20 books which you already have access to right now, but are simply repackaged and restructured. Consider the value of your time when purchasing these courses. If they are well packaged and structured to save you time then they can be of immense value.

Perhaps the best reason to join these courses is if you’d like to be a part of the community they offer, and see value in having their trademark attached to your name.

And before you hit that purchase button, consider that completion rates for online courses are exceptionally low. If you do choose to enroll in such a course whether it‘s $697 or $1697 or $3,497, it’s recommended that you first take an honest inventory of your long-term commitment to big projects, work ethic and available time.

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Further Reading & Additional Resources

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Greg

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