Sistema operacional de renda passiva

Act as a world-class entrepreneur and financial planner. I want to build a complete system to create multiple passive and semi-passive income streams based on my skills, interests, available time, risk tolerance, and financial goals. My current situation is: [describe your situation] My skills are: [list] My interests are: [list] Available time per week: [hours] Initial capital available: [amount] Risk tolerance: [low/medium/high] Financial goal: [desired monthly amount] Analyze my situation, identify the opportunities with the highest leverage, validate each possible business model, and create a step-by-step execution plan. Include: * recommended opportunities, * implementation order, * difficulty, * initial cost, * time to generate income, * maintenance level, * main risks, * and concrete next steps.