The next way to make money is by using your creative ideas and talents. People who are inventors, artists, programmers can fall into this group. However, sometimes they also all into the trading time for money category as well.

The cleverest of us will learn how to leverage resources and other people. These are usually business people, leaders, and people who use and/or create systems that get a lot of work done for them without them having to spend significant time themselves.

Let's focus on leveraging your talents. Anybody can get a job. It's what most of us were taught and all we know. Stepping outside the box we can try new ways of living.

If you are a professional, have you ever explored writing an e-book about your field of expertise? If well written, it could provide a new income stream, instead of you selling out your time serving your clients. The effect is leveraged once you build your automatic system for making the transaction and advertising.

You can repeat the process each time you create new information products. After time you could build a membership site and offer all of your great products and ideas to loyal customers that will pay a small monthly fee to have access to your great information.

How about a computer programmer? You can come out with your own revolutionary product instead of selling your ideas to the company you work for. How about making a small utility program that helps out internet entrepreneurs? You could design an easy to use program that generates friends in multiple Web 2.0 sites.

How about real estate, instead of selling houses, you can pool financial sources to buy houses cheap, increase their value and sell them off at a higher price. It just takes a little time and research to find good ideas and locations. And watch the market so you can time your purchases for gain, not loss.

Is money a problem? Seek out loans if you can take the risk. Pool money from many investors or seek a grant. The sky is the limit when it comes to making money.

Sometimes your credit card company will offer short term, no interest loans for about 6 months. This might be a great way to generate short term cash for a specific project. However, do not take this offer if you are not able to pay it off before the due date. The interest penalty is usually huge and defeats the purpose of making money.

So once you've decided on a way to have time and money then you are free to explore the creative ideas category to its fullest. You'll have the time and money to do it.

Life is pretty darn short. And your kids grow up quickly. I don't know about you but I want to live my life now and when I'm 65 and a half. If you are looking you will find ways to join the having time and money crown, the new rich. See you there!

Again, which way do you want to achieve wealth? Well, it is totally your choice.