Julien and Kiersten Saunders, creators of the blog Rich & Regular, go so far as to call “retirement” the “R word.” Gaining that independence is crucial now, they say, not just after 65. And they encourage their audience, which they reach on YouTube, Instagram, Facebook and Twitter, to look at out-of-the-box ways of doing so.“Minority communities are obsessed and focused on earning more income through their jobs,” said Mr. Saunders, 41, who with his wife started giving personal finance advice in 2017. “We’re pointing them toward passive income that doesn’t require the middleman, permission or promotion.” Passive income could come from renting property or, for digital cr …
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