How it Works

Each opportunity will be graded on a scale of 1-5 (5 being the highest) for the following:

• Effort: How much initial and ongoing work is required?
• Ease of Use: Is it beginner-friendly, or does it require specific expertise?
• ROI: What’s the potential return on your investment (time and money)?
• Management: How much ongoing upkeep is needed to maintain the income flow?
• Challenges: What are the potential hurdles you might face?

Low Investment

1. Create and sell digital products: ebooks, templates, printables, music, stock photos. (Effort: 2-3, Ease: 3-4, ROI: 3-5, Management: 2-3, Challenges: Marketing, platform competition)
3. Blogging and affiliate marketing: share your knowledge and earn commissions on recommended products. (Effort: 3-4, Ease: 3-4, ROI: 3-5, Management: 3-4, Challenges: Building traffic, competition)
5. Peer-to-peer lending: invest in small loans for potential high returns. (Effort: 2-3, Ease: 3-4, ROI: 3-4, Management: 2-3, Challenges: Risk of borrower default)
7. Dividend stocks and ETFs: invest in stocks that pay regular dividends. (Effort: 2-3, Ease: 3, ROI: 3-4, Management: 2, Challenges: Market volatility)
9. High-yield savings accounts and CDs: earn interest on your savings with minimal effort. (Effort: 1, Ease: 5, ROI: 1-2, Management: 1, Challenges: Low interest rates)

Moderate Investment

6. Dropshipping store: sell products online without managing inventory. (Effort: 3-4, Ease: 3-4, ROI: 2-4, Management: 3-4, Challenges: Finding reliable suppliers, competition)
8. Create and sell online courses: share your expertise and earn royalties. (Effort: 4-5, Ease: 3-4, ROI: 3-5, Management: 2-3, Challenges: Course creation, marketing)
10. Develop and sell mobile apps: reach a global audience with a unique app. (Effort: 4-5, Ease: 4, ROI: 2-5, Management: 2-4, Challenges: App development skills, market saturation)
12. Invest in real estate investment trusts (REITs): own a piece of a diversified portfolio of real estate. (Effort: 2-3, Ease: 4, ROI: 3-4, Management: 1-2, Challenges: Market volatility, fees)
14. Flipping resale items: find undervalued items and sell them for profit. (Effort: 3-4, Ease: 2-3, ROI: 2-4, Management: 3-4, Challenges: Finding deals, storage, competition)

High Investment

11. Buy and rent out real estate: generate rental income from residential or commercial properties. (Effort: 4-5, Ease: 3-4, ROI: 3-5, Management: 3-4, Challenges: Large initial investment, tenant management)
13. Invest in private equity: gain access to exclusive investment opportunities. (Effort: 2-3, Ease: 4-5, ROI: 3-5, Management: 1-2, Challenges: High minimum investment, illiquidity)
15. Start and scale a business: build a sustainable business with recurring revenue. (Effort: 5, Ease: 4-5, ROI: 2-5, Management: 5, Challenges: High risk, competition, market changes)
17. Develop and license your intellectual property: earn royalties from inventions, music, or creative works. (Effort: 3-4, Ease: 4-5, ROI: 2-5, Management: 2-3, Challenges: Legal costs, finding licensees)
19. Angel investing in startups: invest in early-stage companies for potentially high returns. (Effort: 4-5, Ease: 4-5, ROI: 2-5, Management: 4-5, Challenges: High risk, illiquidity)

Creative Options:

16. Sell your photography or artwork: showcase your talent and earn commissions. (Effort: 2-3, Ease: 3-4, ROI: 2-4, Management: 2-3, Challenges: Building an audience, competition)
18. Write and publish books: share your story or expertise with the world. (Effort: 4-5, Ease: 3-4, ROI: 2-4, Management: 2-3, Challenges: Writing and publishing process, marketing)