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TRINKs (Triple Income No Kids) For The Win


Although I make a decent second income from PDITF, it’s not nearly as life-changing as it could be. If I really wanted to make money blogging I would start SEOing the bejeezus out of my posts and spamming you with credit card offers. But since I like you guys too darn much, I guess I need to find another way to bring home the bacon – multiple income streams, ideally.

I’m Planning to Start a Business

I’ve been doing a lot of thinking lately about starting a business. What business, did you ask? I have no freakin’ clue, but I do know said business must a) cost very little to start, b) have virtually no overhead, c) make me money, d) involve the internet, and e) probably involve a partnership with another individual.

Don’t get me wrong, I have no desire (at least at this point) to become full-time self-employed. I kind of like working for someone else, knowing when and how much I’ll be paid each month is comforting. So I guess, I should add another requirement of my To Be Determined business; it must take up a small enough amount of time that I can maintain full-time regular employment.

Why Am I Thinking This Way?

I feel like this is a particularly good time in my life to explore alternative business ventures for a few reasons…

  1.  I don’t have kids and I have enough “free” time that I could put my energy into something that makes us money.
  2.  I really like the idea of going from DINKs to TRINKS.
  3. We have a bunch of cash sitting in the bank earning a measly 1% interest, time to do something with it.
  4. I like taking calculated/thought-through risks.
  5. I’m a freakin’ Ninja and I do what I want (if I get permission from my wife first…haha).

I wish I had more to say, but until I can get a better handle on exactly what avenue I want to take, I’ll just keep twiddling my thumbs, envying those of you who make a ton of money via successful business ventures. Okay, time to go punch jealousy in the face.

So What Do You Think?

Does anyone want to start a business with me (50/50)? Have you ever thought about starting your own business? What keeps you from doing it? Do any wildly successful business owners here have any tips/tricks/insights for me?



  1. I think about doing it everyday. I have never really thought about doing it with you, but since you are propositioning me, I will certainly consider it. I would be TIOK though. Really though, I’d do it if we could come up with a viable model, and it’d be easy to get shit done since we could leverage our time zones.

  2. I have to admit that once you have experienced creating a successful business online with every little overhead, it’s hard to start a business offline that has tons of costs, so I’m with you on the internet business. Really the only thing you have to think about is how you want to deliver this new value. Because that’s what a business is, a way to deliver value and get paid for it. Maybe a sports site? Or even just get into developing apps. I know Pat Flynn is pretty good at outsourcing the actual nuts and bolts of developing but he makes pretty good money from the apps he has. Maybe an app where you actually get to punch different forms of debt? lol!

  3. I’ve never really thought of starting my own business; I’m in love with our DINK steady income. My Mom and Step-Dad started a business out of their basement about 14 years ago; they’ve done very well for themselves. Mom’s a work-horse and very career-oriented; she runs the day-to-day operation, which I’m convinced is a big part of the reason they’ve been so successful.

    Best of luck in whatever you decide to do… can’t wait to read about it!

  4. I’m not a wildly successful business owner (yet), but my advice is to make sure your product or service is something people actually want or need. An awesome idea may sound great, but it’s not going to be successful if no one wants to buy from you!

  5. I teach guitar/bass/etc.. lessons on the evenings and weekends as a side money maker. I created a website a couple of weeks ago and I will start recording videos and posting them on youtube, etc… I recently raised my rate to $50 an hour for guitar lessons. I started at $30 an hour but once I got full of students I was able to raise my rates. I am not sure how far I will take the website (income wise), it is a work in progress.

    My guitar website is a work in progress as well. I plan on recording my first couple of videos this weekend. Feel free to check out my free ‘Song Charts’ on and send me song requests if you are guitar player.

  6. I have a killer internet business idea (at least I think it is) that might be right up your alley. I’ll send you an email about it.

  7. I’m actually doing the same right now–developing a few ideas and trying to decide which I’d like to take to fruition, all while keeping the jobs I already have. Considering I’m currently a FINK even though I’m single (I have 4 jobs right now: 1 F-T, 3 P-T), I’m pretty happy with my income stream. But I do love the idea of becoming a… FINK +1 ? What the hell do you call five jobs if I’ve dubbed 4 a FINK? Plus, I’d like to be the boss of something, I’m not gonna lie 🙂

  8. I’ve thought about starting my own business. However, I don’t think I could ever work alone. I’m too social of a person and I’d want a business partner / friend to work with. Just need to find the right person, got a couple of ideas floating around in my head already.

  9. I also think about this almost daily because I too have a government job. I believe that it is a way of mentally justifying your existence. You need something to turn to and say I made money do because you feel virtually worthless after being exposed to the government.

  10. I think about business ideas every day. I am constantly thinking of ways to make money outside of what I do know. I don’t want to work for anyone else, I would love to work for myself, and be my own boss. The hardest part is acting on your ideas, and getting the ball rolling. Sometimes we are our worst enemy by shutting down good ideas and saying that they will never work, or they are dumb.

  11. I’ll go into business with you, Ninja! I’m self-employed and a serial startup lover (not to be confused with a cereal startup lover. Mmmm, delicious newly-branded cereal ….)

  12. You could come feed our cats when we leave town. I know you guys aren’t on the Eastside, but I’m sure there are tons of other Microsoft people that need their pets cared for over the holidays.

  13. […] Ninja from Punch Debt in the Face wrote TRINKS (Triple Income No Kids) For the Win. He wants to start a side business and I’d love to be his business […]

  14. Well…there is a need to overthrow Facebook. People love the concept because they are noisy and get to live vicariously through other people’s dull lives. However, I’m pretty sure that they don’t like the privacy issues that run rampant in Facebook. So, how about hiring some local computer geeks to code the next social experience?

    Then again, IDK. There’s already YouTube, Twitter, Facebook, and for the kiddies, whose parents know nothing about the Facebook on steroids giant,

    Good luck in your brainstorming, Ninja.

  15. […] Punch Debt in the Face coined a new phrase and out did us DINKS in the post “TRINKS (triple income no kids) For The Win”.  If you think that having a DINKS lifestyle is great, think about having a third income.  You can follow Punch Debt in the Face on Twitter @punchdebt […]

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