Thornhill Wealth Forum 
 
In today's unpredictable job market and economy, it's smart to think about developing multiple streams of income. Whether starting a side business, becoming a consultant or learning to invest, you can capitalize on your existing skills and time to increase your overall net worth. 

Risks and rewards 
Any new income source can take years to show even a small return. Consider this conversation a seed in your mind to help you evaluate your options—and build future returns, one year, five years or even 20 years out. 

Every investment is a risk. I have started five businesses in the past 10 years—three of which are successful and growing. The other three were learning experiences and, well, costly failures. Do not invest time or money unless you've calculated that you can afford to lose it. 
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