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passive-income-reality-check

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Cut through passive-income hype to what's actually realistic for you — the real effort, capital, and risk behind each option, and which (if any) fit your situation. Use when asked how do I make passive income, is passive income real, best passive income ideas, or help me build income streams. Produces an honest teardown of the popular passive-income options (what they really require, how 'passive' they actually are, typical returns and risks), a match to your capital/skills/time, the scams and get-rich-quick traps to avoid, and a grounded next step — replacing the fantasy with a realistic path. Not financial advice.

plugins/pm-wealth/skills/passive-income-reality-check/SKILL.md

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# Passive-Income Reality Check

"Passive income" is the internet's favorite fantasy — most of what's sold as passive is either a job in disguise, requires serious capital, or is a course selling you the dream. This gives the honest version: what each popular option *actually* requires (effort, money, risk), how passive it really is, and which — if any — fit your situation. The goal is a realistic path, not another rabbit hole. Not financial advice.

## What This Skill Produces

- **The honest teardown** — the popular options (dividends/investing, rentals, digital products, content, lending, a business) with what each *really* requires in capital, effort, and time, and how passive it actually is
- **Risk & realistic returns** — the real risk and typical (not hyped) returns of each, including the ways they lose money
- **The fit** — which options match your actual capital, skills, and time (most people don't have the capital for the "easy" ones)
- **The traps** — the get-rich-quick schemes, "passive income" courses, and outright scams to avoid
- **A grounded next step** — the most realistic option for you and how to test it small

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