If there’s one quiet truth about making money, it’s this: money is no longer tied to hours the way it used to be. The people doing well aren’t necessarily working harder. They’re working wider—using AI to create multiple income streams that compound over time.
This guide is written for beginners, not tech experts. You don’t need to code, you don’t need a big audience, and you don’t need to quit your job tomorrow. You just need a clear system and the right tools.
Below is a step-by-step framework for making money and building multiple income streams using practical AI tools that real people are already using.
Why Multiple Income Streams Matter
Relying on a single source of income is risky in an AI-accelerated economy. Skills expire faster. Platforms change. Industries shift.
Multiple income streams don’t mean doing everything. They mean building a few smart, connected assets that:
- Run with automation
- Grow while you sleep
- Don’t depend on one platform
- Scale without burning you out
AI is the lever that makes this possible—even if you’re starting from zero.
Step 1: Making Money with YouTube Using AI Automation
Tools: Autoshorts, InVideo, Joggai
YouTube remains one of the strongest long-term income engines. The difference now? You don’t need to show your face or edit videos manually.
How it works
1.
Pick a simple niche
Examples: motivation, faith, finance tips, productivity, book summaries, facts,
wellness.
2. Create short-form and long-form videos with AI
Autoshorts turns ideas into YouTube Shorts automatically
InVideo creates polished long-form videos from scripts
Joggai generates voiceovers and talking-style videos without filming
3.
Upload consistently
AI allows you to batch 30–60 videos in one sitting.
How you make money with YouTube
YouTube's popular revenue streams include ad revenue, brand deals, sponsorships, and affiliate products.
1. YouTube Partner Program
2. Coaching
3. Affiliate marketing
4. Brand collaborations
5. Selling books and audiobooks
6. Selling digital products
7. Selling physical products
8. Patreon
9. Merchandise (branded or unbranded)
10. Sponsorships
11. Crowdfunding
12. Starting a non-profit
This is one of the most beginner-friendly ways of making money, especially if consistency has been your weak spot in the past.
Summary Step 1: Tools for Making Money With YouTube Using AI Automation go to
Autoshorts – https://autoshorts.ai/?ref=retirementqueen
InVideo – www.tubevideo.retirementqueen.org
Jogg.ai - https://www.jogg.ai/?fpr=retirementqueen
Step 2: Writing Best-Selling Books With AI
Tool: Automateed
Books are no longer just books, they are credibility tools, lead generators, and passive income assets.
How it works
1. Choose a clear problem your reader wants solved
2. Use Automateed to:
o Outline the book
o Draft chapters
o Refine tone and structure
3. Edit lightly for your voice
4. Publish on Amazon KDP, similar platforms and your website
Why this matters
- One book can lead to coaching, speaking, courses, or consulting
- AI removes the biggest barrier: starting and finishing
This is a powerful pillar for building multiple income streams, even if you’ve never written before.
Summary Step 2: Writing Best-Selling Books With AI
Tool: Automateed
go to www.bestsellingauthor.retirementqueen.org
Step 3: Create Multiple Podcasts Without Burnout
Podcasting has quietly become one of the most authority-building platforms and AI makes it scalable.
How it works
Use Joggai to create podcast
o Blog posts
o YouTube scripts
o Book chapters
2. Repurpose one idea into multiple podcast formats
3. Use Talks.co to
o Book guests
o Get featured on other podcasts
o Grow your audience faster
Monetisation options
- Sponsorships
- Affiliate offers
- Promoting your own digital products
AI allows you to run more than one podcast without doubling your workload.
Summary Step 3: Create Multiple Podcasts Without Burnout
Joggai - https://www.jogg.ai/?fpr=retirementqueen
Talks.co - https://talks.co/retirementqueen/
Step 4: Dominate Your Niche on Social Media
Tool: Blaze
Most people don’t fail because they lack knowledge. They fail because they disappear.
Consistency wins —and Blaze solves that problem.
How it works
1. Define your niche and message once
2. Blaze generates:
o Daily posts
o Platform-specific content
o Captions aligned with your brand
3. Schedule weeks of content in advance
Why this matters
Your social media becomes a silent salesperson that:
- Drives traffic to YouTube
- Sells your books
- Promotes your podcast
- Fills your course funnel
This is how creators quietly dominate while others burn out.
Summary Step 4: Dominate Your Niche on Social Media
Tool: Blaze
go to http://sidehustle.retirementqueen.org
Step 5: Become an Infopreneur with Online Courses
Tools: ChatGPT, Kwakwa
Online education is booming, but the winners are those who build clear, practical courses—not bloated ones.
How it works
1. Use ChatGPT to
o Identify course ideas
o Structure lessons
o Create scripts and worksheets
2. Build and host your course using Kwakwa
3. Start simple—one transformation, one promise
Income potential
- One course can sell repeatedly
- Works alongside YouTube, books, and podcasts
Infopreneurship is one of the most reliable paths to making money, especially when paired with AI.
Summary Step 5: Become an Infopreneur with Online Courses
Tools:
ChatGPT, Kwakwa go to www.smallbusiness.retirementqueen.org 
Get 500
ebooks and courses you can sell and keep 100% profit - 
www.infopreneur.retirementqueen.org 
Step 6: Build a Profitable Investment Portfolio With AI
Tool: ChatGPT
AI isn’t just for content—it’s also a powerful thinking partner for long-term wealth.
How it works
Use ChatGPT to
1.
o Research dividend stocks
o Analyse value shares
o Understand risk and allocation
2. Focus on:
o Dividend-paying companies
o Long-term value investing
o Reinvesting returns
3. (Examples only – not financial advice)
o Unilever
o Nestlé
o Johnson & Johnson
o Procter & Gamble
o Coca-Cola
o PepsiCo
o McDonald’s
o Royal Dutch Shell
o TotalEnergies
These companies operate globally and have long dividend histories
Why this matters
- This creates non-active passive income
- It balances digital income with financial stability
- AI helps you think clearly, not emotionally
This is the quiet backbone of sustainable wealth.
Summary Step 6: Build a Profitable Investment Portfolio With AI
Tool:
ChatGPT check out this in-depth resource on the topic
https://retirementqueen.net/passive-dividend-income.php
Putting It All Together: A Simple Income Stack
You don’t need to do everything at once. A smart progression looks like this:
1. Start with YouTube + social media automation
2. Add a book for authority
3. Launch a podcast for reach
4. Create one online course
5. Reinvest profits into dividend and value shares
Each layer supports the next.
Final Thoughts: The Real Opportunity in Making Money with AI
The biggest mistake people make is waiting until they “know enough.”
Clarity comes after action—not before it.
AI has levelled the playing field. The difference now isn’t access. It’s decision.
If you’ve been looking for a realistic, beginner-friendly path to making money with AI and building multiple income streams, this is it. Not flashy. Not overwhelming. Just smart systems, stacked patiently, with AI doing the heavy lifting in the background.
And that’s how quiet wealth is built.
Author Bio
Bibi Apampa, widely known as The Retirement Queen, is a respected retirement income strategist, bestselling author, and trusted guide for individuals seeking clarity, stability, and peace of mind in their later years.
Her work focuses on helping people understand how to build sustainable retirement income through thoughtful planning, diversified income streams, and practical, real-world strategies that don’t rely on hype or guesswork. Bibi is particularly known for her ability to simplify complex financial concepts, making retirement planning feel calm, achievable, and empowering.
Over the years, she has supported professionals, entrepreneurs, faith leaders, and late starters in designing retirement income plans that align with both their financial goals and the life they want to live after work.
Bibi
occasionally holds private retirement income strategy conversations for
those who want to step back, review where they are, and gain clarity on their
next best move — especially around passive income and long-term sustainability.
She believes retirement should be well-funded, well-lived, and deeply peaceful.
Connect with Bibi Apampa
Ready to transform your financial future and retire with confidence? Bibi Apampa’s books and courses are here to help you every step of the way.
Visit RetirementQueen.net to get started. Stay connected with Bibi Apampa on social media for updates and tips:
Website : RetirementQueen.net / BibiApampa.info
Instagram: @RetirementQueen1
LinkedIn: @BibiApampa
Facebook: @RetirementQueen
TikTok:@RetirementQueen
Medium : @pastoralretirement
Blog : bibiapampa.info/blog
