The SCRIMP System: How to Pick the Perfect Passive Income Stream for You

Feeling overwhelmed by all the passive income options out there? You’re not alone. From real estate to royalties, vending machines to e-commerce, the choices can be dizzying. That’s why Rachel Richards created the SCRIMP system—a five-factor framework that helps you compare opportunities side by side, so you can make decisions with clarity and confidence.

Scalability: Can your income stream grow without a ton more work? Digital products like eBooks or courses can reach thousands, while rental properties or vending machines may require more hands-on expansion.

Controllability: How much power do you have over your stream? Selling on your own website gives you more control than relying on Amazon or Etsy, where rule changes can affect your business overnight.

Required Investment: What will it cost in time and money to get started? Some streams need upfront cash (like property), others need sweat equity (like content creation).

Marketability: Is there real demand for your idea? Research the competition, use surveys, and look for gaps in the marketplace.

Passivity: How much ongoing work is needed? Dividend stocks are nearly hands-off, while e-commerce stores may need regular updates and customer service.

Richards shares the story of a busy nurse who used SCRIMP to decide between starting a YouTube channel or investing in vending machines. By honestly evaluating her time, skills, and risk tolerance, she chose vending machines—and within a year, had replaced her part-time income.

To try SCRIMP yourself, list your top three passive income ideas and rate each one on a scale from 1-5 in each category. The highest scores reveal your best fit. Remember, there’s no one-size-fits-all answer—what matters is finding the stream that matches your life, goals, and personality.

With the SCRIMP system, you can move from confusion to action—and start building a future of freedom, one smart decision at a time.