so the third type of account that will earn you passive income is a mutual fund and we've officially made it to the investing stage which is fantastic because you start earning interest off of the top mutual funds are professionally managed Investments that allow investors to pull their money together so there'll be a team of professionals that picks which stocks or bonds or investment options will be included inside of the fund and as you can probably already tell this is where it starts to get a little bit more technical so I really recommend working with a pro when you are investing because they live and breathe the stuff and they will know the best way to guide you through the investment process