How To Make Money Without a Job: 16 Epic Ways!

Are you looking for an alternative way to make money outside of the 9 to 5? Whether you desperately want to quit your job or just want some extra income, you’ll find something on this list that suits your needs and interests.

This article explores making money without a job (or at least a “traditional” job). There are some great options to consider, from blogging to taking paid surveys to becoming a day trader.

How To Make Money Without a Job

1. Invest in Dividend Stocks Dividends are cash or stock payments made by companies to shareholders (usually quarterly). If you have a sum of money at your disposal, investing in dividend stocks is an excellent way to produce a (relatively) stable source of cash flow and spending money.

2. Invest in Real Estate Own Your Residence The easiest way to get into the real estate game is to own your residence. Rental Properties Another way you can use real estate investing to make some income is to own and rent out a property yourself. Real Estate Syndication & Crowdsourcing If you’re looking for truly passive income, real estate has another avenue you can take advantage of: real estate syndications and crowdfunding.

3. Save on Taxes If you own a business, you will have a far greater chance of paying less tax! I know not everyone owns a business, but you can work around that. Find a way to start a side hustle, perhaps with an evening part-time job online, and take advantage of the awesome business tax deductions that way.

4. Manage Your Finances The first step to managing your finances is to buy the right software! Research potential options such as Personal Capital vs. Mint vs. Quicken. A relatively small investment in the appropriate software can have a substantial positive impact on the health of your finances.

5. Get a Cashback Credit Card Another way to take advantage of cashback is through credit cards. I like cashback (instead of other rewards) from my credit cards because it’s completely flexible and easiest to access and use. If I want to use it for travel, I can, or if I want to put it in an investment account, no problem.

6. Shop Using Cashback Apps Do you consistently spend hundreds of dollars a month on clothes, food, and travel? If so, you’ll be pleased to know that apps like Ibotta and Rakuten provide cashback rebates in thousands of different stores, hotels, and even airlines! Your only work is to sign up and shop based on their requirements. You’ll earn money in the form of cashback without having to do so much as get off your couch.

7. Lend Out Your Cryptocurrency If you own cryptocurrency, you can lend it out via platforms like Gemini and earn up to 8% APY! This idea can be a hipster way to put your money to work (and make some sweet passive income for yourself). But the downside is that, like dividend stocks, you need to start with some money.

8. Become a Day Trader Day trading was also a big thing back in the late ’90s when no one could lose money on internet stocks. People quit their regular jobs to day trade. Cut to 2001, and they were all looking to get their everyday jobs back. And unfortunately, they had far less money than when they quit their jobs.

9. Become a Hard Money Lender for Real Estate Investors Yet another way to make money via real estate is to become a hard money lender. Meaning a loan of money you already have. Do you see the pattern here? Money makes more money! (It seriously helps in life to have money.) The idea here is that you’ll lend out money to real estate investors who will use your money to buy the property and likely flip it.

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