If you’re looking at opening a new bank account or getting a new credit card, bank bonuses and promotions can help you land some free money in the process.

Many banks, such as Truist Bank, offer seasonal and ongoing bonuses and offers, covering both personal as well as business consumers.

I have personally held Truist consumer bank accounts in the past and have completed some of the bonuses listed below.

Truist tends to offer bonuses on both their consumer and business products and are rather generous with the amounts as they look to grow their deposit base since merging SunTrust and BB&T to form Truist.

Current Truist Bank Bonuses

Here is the list of the current Truist promotions and bonuses that you can take advantage of today:

• Truist One Checking: $400 Bonus
• Truist Small Business Checking: $400 Bonus
• Truist Enjoy Travel credit card: 20,000 Bonus Miles

Truist One Checking: $400 Bonus

Truist is offering a lucrative $400 bonus for new accountholders that open a Truist One Checking personal checking account.

Taking advantage of this offer is easy.

The qualifying checking account must be opened online and have a mailing address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC

Continue Reading:

• Best FREE Checking Accounts

Truist Small Business Checking: $400 Bonus

Truist is offering a lucrative $400 bonus for accountholders that open a Truist Simple Business Checking or Dynamic Business Checking account.

Many business checking accounts require a lot of cash to earn the bonus; however, Truist only requires a relative small deposit on hand.

The business’s physical address must be in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC

Truist Enjoy Travel credit card: 20,000 Bonus Miles

The Truist Enjoy Travel credit card is actually a pretty good card.

It rivals some of the larger American Express and Chase powerhouses in terms of the perks and earning potential, but comes with NO ANNUAL FEE.

Not only can you get rewards faster than with other cards, but there’s also an ongoing promotion that can see you get as many as 20,000 bonus miles.

These points have a cash redemption value of $200.

Here’s a look at the current rewards earning structure:

• Earn 2x miles per $1 spent on airfare, car rentals, and hotels.
• Earn 1x miles per $1 spent on all other eligible purchases.
• Plus, a statement credit up to $85 for TSA PreCheck® or Global Entry® fee is awarded once every four years.

You’ll also earn a 10% – 50% Loyalty Travel Bonus based on your Truist deposit relationship when you redeem your rewards for travel through the rewards program.

There is more good news as any points you earn also do not expire for as long as the account remains open.

FAQs

What are bank bonuses?

Bank bonuses are cash rewards and other perks the bank gives to its customers for meeting specific criteria.

In most cases, these involve depositing a certain amount of new money into a new account and holding it there for some time.

There are several reasons why a bank does this. These reasons can include anything from attracting new customers to rewarding customers that have been with the bank for a very long time.

Either way, taking advantage of these bonuses on offer can see you get extra cash, which is always welcome.

What should I look out for?

While free money is always something to look forward to, it’s important to take note of the fine print that accompanies any sign-up bonus you’re thinking of taking.

Most promotions and bonuses require several direct deposits to be made into the account within so many days of opening the account (has to be a deposit by your employer or an outside agency).

The funds usually have to be kept in the deposit account for several months before you become eligible for the bonus.

Some offers are available online, while others are exclusively in-branch.

Do keep in mind that some accounts also have a fee that has to be paid every fee period, which is mostly set to monthly.

The applicable APR rate is another important point to take into consideration, especially the applicable rate once any introductory offers are over.

Ultimately, each promotion is subject to its own terms and conditions.

This makes it important to make sure you understand the restrictions and obligations surrounding each offer you want to take up.

All information should be available through the promotion page on the bank’s website. If you cannot find it, be sure to ask one of the bank’s representatives for a copy.

We will now look at the different bonuses on offer, how you can take advantage of them, and what other perks you can look forward to when opening a new Truist consumer account or business account.

Is A Truist Bank Bonus For You?

Truist is an excellent bank if you’re looking to open a new account while making your money go further by taking advantage of some bonus offer codes.

As with most bank bonuses, these are only available to new Truist customers.

So, for example, if you’re a current owner of a Truist consumer account, it is best to check with a customer service rep before applying for a new card or account so that you can be sure that you’ll definitely get the bonus.

Before opening a new bank account to claim any bonus, be sure to take the time to shop around.

Many card issuers are offering bonuses right now, but looking at the bonus requirements and eligibility criteria set by the bank can help you narrow it down to the ones that could really work for you.

Take the time to understand the eligibility requirements to avoid disappointment.

Some accounts also have a monthly service fee, but in most cases, this can be waived by meeting specific requirements.

Many banks around the country have ongoing and seasonal promotions, but you do have to be mindful of their expiration dates as they change frequently.

The post Truist Bank Promotions April 2026 appeared first on Millennial Money.

We get it. There are some times when you need extra money in your bank account now. While earning money usually requires time and effort, there are legitimate ways that you can get free money directly to your PayPal account.

Does this sound too good to be true? We promise it isn’t – but in all transparency it won’t be instant – it will take some time and effort.

Lots of cashback, get-paid-to (GPT), and survey sites offer hefty welcome bonuses to get new users to sign up and get started. Leveraging these sign-up bonuses can help boost your bank account balance now and potentially earn you money in the future.

Keep reading to learn more about 10 ways you can earn free $10 PayPal money now.

How to Get $10 Free PayPal Money Now

1. Take Surveys on Branded Surveys
2. Make Money with Survey Junkie
3. Earn Points with Swagbucks
4. Play Games on Mistplay
5. Watch Videos on InboxDollars
6. Earn Cashback on MyPoints
7. Scan Your Receipts with Ibotta
8. Shop with Rakuten
9. Drive for Uber Eats
10. Invest with Robinhood

1. Take Surveys on Branded Surveys

We all have opinions, so why not get paid for them? Taking surveys on Branded Surveys is an easy way to make real money in your free time.

In exchange for your honest feedback, Branded Surveys will reward you with points that accumulate over time. Once you have 1,000 points (equivalent to $10), you can cash out your earnings in the form of gift cards or a PayPal payment.

The biggest question surrounding online surveys is whether they are worth it or not. While you won’t get rich on Branded Surveys, you can earn anywhere from five to 100 points per activity that you complete.

If you take enough surveys and do all the initial tasks, you should be able to easily reach the 1,000 point threshold.

Branded Surveys

:

Want to earn some extra cash in your downtime? Sign up for Branded Surveys and get paid to take surveys and by completing polls or referring your friends!

Sign Up Now

2. Make Money with Survey Junkie

If you are looking for a way to earn free gift cards and extra cash in your spare time, taking surveys through Survey Junkie can get you $10 through PayPal in no time.

Survey Junkie is one of the most popular get-paid-to (GPT) sites on the internet. They have more than 20 million members worldwide and have paid out over $1 million since their platform launched.

The earning potential on Survey Junkie is pretty good compared to other GPT and survey sites. By just taking surveys, you can expect to earn as much as $3 per survey and up to $40 per month.

You can earn even more by utilizing Survey Junkie’s referral program. When you send a referral link to your friends and family, you both will earn $5 in your account balance when they sign up for an account. This means you can earn $10 instantly by referring only two friends to the platform.

Survey Junkie

:

Survey Junkie is the most reputable online survey company and an easy way to make some extra money in your free time.

Sign Up Today

3. Earn Points with Swagbucks

You can earn $10 easily with Swagbucks’ sign-up promo, but your earning potential doesn’t stop there. You can rack up PayPal cash rewards, Amazon gift cards, and more by shopping online, taking surveys, and playing games in your free time.

Swagbucks is a popular and reputable GPT site that offers several ways to earn money online by performing simple tasks. Like other survey and GPT sites, Swagbucks partners with retailers and market research companies to gain consumer insights through surveys and other interactive tasks, such as playing games and watching videos.

Earning your first $10 with Swagbucks is easy with their sign-on bonus. Signing up is easy, and it only takes a few minutes to get your account set up and ready to go. To receive your bonus, you have to spend at least $25 through Swagbucks’ cashback platform under the URL Swagbucks.com/Shop. Once your purchase is confirmed, Swagbucks will deposit 1,000, equivalent to $10, into your account.

Swagbucks - Easy Online Rewards & Surveys

Sign Up Bonus: $10

Swagbucks is a legit money-making app where you can make money taking surveys, watching videos, playing games, and more.

Sign Up Now

4. Play Games on Mistplay

Playing games on your phone is more than just a pastime. It can be a great way to make money online through platforms like Mistplay.

Mistplay is the no. 1 loyalty program for mobile gamers to help you discover new games, earn points, and redeem rewards. It is available for download on Google Play, which means that Android users can use Mistplay to earn points and rewards wherever they have their devices.

Like other platforms, Mistplay rewards players in points rather than US dollars. These points hold a USD value, but the value can change depending on which payment method you decide to use to payout your points. In general, you can expect to earn 200 points per game to reach the 1,500-point cashout limit. This is equivalent to $5 in a gift card or PayPal payment.

Mistplay

Price: FREE

Create an account on Mistplay, discover new games, play, collect units, then cash your units in for rewards.

Get Started

5. Watch Videos on InboxDollars

If you like watching videos, you can turn a leisure activity into a money-making pastime with sites like InboxDollars. The best part? You can earn a whopping $30 by signing up and setting up your account.

InboxDollars, like other platforms on this list, is a full-spectrum GPT site. You can earn free cash by taking online surveys, playing games, shopping through their platform, watching videos, and reading emails. They have paid out over $80 million in cash rewards, making them one of the leading online get-paid-to platforms today.

InboxDollars understands that people come to their site because they want to make money fast. They help you make your first $30 by following their step-by-step instructions to set up your account and take your first surveys. You’ll get your first $5 just for registering, which means you can reach your $10 goal easily.

InboxDollars

Sign Up Bonus: $5

With InboxDollars, you take surveys and earn cash, it's that simple. You can even earn by watching tv!

Start Earning Now

6. Earn Cashback on MyPoints

If you’re looking for an effortless way to save money while online shopping, MyPoints is a fantastic way to save money and even get free money by completing simple tasks.

MyPoints is a well-established online rewards platform that offers cashback and rewards to users for shopping online through affiliated retailers and completing GPT tasks. To explore cashback offers on MyPoints, navigate to the “Earn” section on their website and click “Cashback”. You can review cashback offers from partnered retailers, and MyPoints will navigate you through their platform to the retailer’s site and reward you with cashback when you make a purchase.

One of the best parts about shopping with MyPoints is that you can get a $5 bonus in the form of a Visa debit card or Amazon gift card just for signing up. You don’t even have to make a purchase to qualify for this offer. Once you sign up and confirm your email address, MyPoints will send you your bonus in the method you choose.

MyPoints

:

MyPoints pays you when you shop online at your favorite retailers and delivers the rewards through free gift cards.

Sign Up ($5 Bonus)

7. Scan Your Receipts with Ibotta

Don’t throw away your grocery store receipts; use them to earn extra cash instead with Ibotta.

Ibotta is a popular mobile app and cashback platform that allows you to earn cash rewards for making everyday purchases, such as grocery shopping, clothing, or electronics. The way it works is that you can scan your receipts or link your in-store loyalty cards to Ibotta to track your purchases. Once Ibotta verifies your purchase and identifies any cashback opportunities, they will credit the cashback to your account.

Reaching your $10 is as simple as signing up and making your first purchase on Ibotta. They will credit $10 to your account when you spend at least $30 at one of their partnered stores, which includes Walmart, Ebay, Best Buy, and Home Depot. Once you upload your receipt or Ibotta confirms your purchase, you will receive your bonus in your account and can transfer to your PayPal account.

Ibotta: Referral Code UXQOUA

Sign-Up Bonus: $5

Ibotta gives you cash back every time you shop – with some retailers offering up to 30%!

Start Saving Now

8. Shop with Rakuten

One of the easiest ways to earn free PayPal cash is to sign up for a Rakuten account. Formerly known as Ebates, Rakuten is a cashback website and browser extension that gives you cashback when you shop at partnered retailers.

The way it works is that retailers pay Rakuten to drive traffic and shoppers to their websites. Rakuten tracks your browser’s cookies to see when you make a purchase at one of their retail partner’s sites and pays you a portion of what they earn in commissions as cashback. In the end, everyone wins.

Rakuten offers a great welcome bonus when you sign up to earn cashback through their site. They will reward you $10 when you sign up to become a new member and make a qualifying purchase of at least $25 within the first 90 days. A qualifying purchase is a purchase that earns cash back through Rakuten. This is a relatively simple task given that Rakuten is partnered with over 3,500 retailers, such as Target, Best Buy, and Nordstrom.

Rakuten

Price: FREE

Earn cash back on your online purchases with Rakuten. Signup now to earn a $40 bonus after spending $40!

Sign Up ($40 Bonus)!

9. Drive for Uber Eats

The side hustle economy has offered people a flexible and on-demand way to make fast money. Driving for Uber Eats is one of the best ways to earn $10 or more instantly with very little effort.

The biggest advantage of earning money through Uber Eats is the ability to work according to your own schedule. Once you’re online and ready to work, you can start accepting orders through the app and earning roughly $19 per hour. Depending on where you are and when you’re driving, you can earn $10 with only a few orders.

Uber Eats offers two ways to cash out your earnings immediately: transferring funds to your personal debit card or using the Uber Pro Card. You can transfer money to your personal debit card up to five times per day, but you will be docked $0.85 per cashout. If you don’t want to lose any money to transfer fees, you can access your earnings through the Uber Pro Card and checking account.

UberEats

Price: FREE

Make money picking up food from partner restaurants and delivering it to customers.

Get Started

10. Invest with Robinhood

If you’re ready to start your investment journey, Robinhood is a free investing platform that offers one free stock when you open an account.

Robinhood offers a user-friendly and commission-free approach to stock trading. To get started, you just need to download the app and create your account with required information, such as your name, email address, and Social Security number.

When you sign up for Robinhood, they will give you one free stock when you sign up and link an active bank account. After you link your account, you will receive a specified amount that you can use to purchase a fractional share of the company of your choosing. The dollar amount can range from $5 to $200, but most people will get a reward of $5 to $10.

Robinhood

:

Robinhood makes investing simple with their mobile app. You'll also trade commission-free, and can start building your portfolio with just $1. Use our link to earn up to $200 in free stock.

Start Investing Today

Final Words

Earning $10 in free PayPal money is possible through several online avenues. While some sites may offer $10 PayPal money instantly, some of these methods can require time, effort, and patience.

The best way to ensure that you can get free money is to research the platforms and beware of scams. With due diligence, you should be able to get $10 transferred to your PayPal account easily.

The post 10 Ways to Get $10 Free PayPal Money Instantly appeared first on Millennial Money.

There are plenty of side hustles that help you make money with your vehicle, but fortunately for the car-less, there are just as many jobs you can do without a car. Learning how to make money without a car can significantly increase your income and provide more opportunities.

In fact, many jobs that don’t require a car put more money in your pocket because you don’t have to worry about expenses like gas, parking, tolls, car payments, and insurance.

With that being said, let’s dive into this list of jobs that don’t require a car. You can do most of the below opportunities with just a computer and high-speed internet.

How To Make Money Without a Car

You can use multiple methods to reach your financial goals or focus on one to excel at it. Everyone has different passions and skills. Check out the top ways to make money without a car to see what works best for you.

1. Online Surveys
2. Make Money with Amazon
3. Play Online Games
4. Bookkeeping
5. Real Estate Investing
6. Open an Etsy Store
7. Freelance Writing
8. Proofreading
9. Cash-Back Apps
10. Sell Your Stuff
11. Blogging
12. Digital Marketing
13. Customer Reviews
14. YouTube Channel
15. Dog Walking
16. Virtual Jobs
17. Online Tutoring
18. Teach an Online Class
19. Vacation Rental
20. Rent Out Storage Space

1. Online Surveys

Online surveys are a great way to earn extra money in your free time. You don’t need special skills; it’s just an opinion you’re willing to share. This isn’t the highest-paying gig when trying to make money without a car, but it can supplement your income or provide extra spending cash.

To qualify, you must complete a profile with as many details as possible about yourself. This allows the survey platforms to match you with open surveys that need the opinions of people in your demographic.

My favorite survey platforms include:

• Branded Surveys: Earn points for each survey you answer and redeem points for prizes, such as PayPal cash, direct deposit, or gift cards.
• MyPoints: Earn points for small tasks like taking surveys, playing games, or shopping online. You can exchange your points for prizes like gift cards.
• Survey Junkie: Earn points for answering surveys that you can redeem for PayPal or gift cards.

MyPoints

:

MyPoints pays you when you shop online at your favorite retailers and delivers the rewards through free gift cards.

Sign Up ($5 Bonus)

2. Make Money with Amazon

The Amazon platform offers many ways to increase your income when you need to make money without a car.

Here are a few of my favorites:

• Affiliate links: If you run a blog, YouTube channel, or social media page, you can add Amazon affiliate links and make money when someone clicks your links and buys something.
• Writing reviews: Amazon sellers can’t pay you to write reviews (they would get banned), but you can earn money writing reviews on your blog or social media pages or by becoming an influencer. This requires affiliate links but is another way to make money from Amazon.
• Writing eBooks: Anyone can become a writer on Amazon with Kindle Direct Publishing. If you have a topic that has a large audience, consider writing a book and self-publishing to make money from home.

3. Play Online Games

If you play games to pass the time or just love playing them, you can earn a little side cash doing it. You won’t pay the mortgage your earnings, but why not line your pockets with a bit of extra cash doing what you love?

You’ll make the most money playing games you know how to master the strategy, or you can try new games and see how you do.

Here are some of my favorite sites to make money playing games:

• Bingo Clash: Playing Bingo for cash isn’t about luck but strategy. When you master the skills by playing free games on Bingo Clash, you can try your strategies to earn cash.
• Solitaire Cube: Solitaire used to be a game to play alone to pass the time, but if you’re a master at it, you can use it to make some cash on the side. It’s more fast-paced than you’re used to playing on your own, so try a few practice rounds first to see how you do.

Millennial Money Featured Game: Bingo Cash

Price: FREE

Bingo Cash is a crazy fun app game based on speed and strategy that pays you cash for playing Bingo on your smartphone.

Get Started

4. Bookkeeping

If you have a background in accounting and comply with the latest bookkeeping laws, consider bookkeeping from home. You can work on your own terms as a freelancer or find a company hiring a remote bookkeeper to make money without a car.

Bookkeepers make an average salary of $21.85 an hour. Think about how quickly that can add up when you don’t have to factor in commuting time, gas, parking, tolls, and car maintenance.

You can advertise your services on various sites (like Fiverr), network online, or use your social media pages (including LinkedIn) to get clients.

Webinars: Become a Bookkeeper

Price: FREE

Bookkeepers.com is offering 3 courses for free on how to be a virtual bookkeeper. Learn how to work from home, earn good money and be your own boss with the #1 most profitable little business.

Sign Up

5. Real Estate Investing

Real estate investing is an excellent way to earn passive income, and don’t worry, you don’t need thousands of dollars to get started.

Of course, if you have the money to purchase a property, you can become a landlord and make money from rent and capital gains from the increased property value.

If not, there are many ways to earn passive income as a real estate investor:

• REITs: Real estate investment trusts work differently than traditional real estate investments. Instead of buying a property themselves, investors buy shares of a company that purchases and manages commercial real estate properties. You earn dividends from the company’s profits and don’t have to lift a finger.
• Crowdfunding: Real estate crowdfunding platforms pool funds from many investors. They use the funds to purchase and manage real estate investments. Sites like Fundrise allow small investments as low as $10, whereas other sites like RealtyMogul require much higher investments.
• Managed properties: If you want to own properties but prefer a passive income opportunity, you can pay a property management company to manage them. All you have to do is collect rent and pay the property management company.

6. Open an Etsy Store

If you’re crafty or into creating digital products, you can sell them on Etsy. Starting an Etsy store is free, but Etsy keeps 6.5% of each sale.

The sky’s the limit with items you can sell on Etsy, but some common ones include:

• Jewelry
• Clothing
• Vintage products
• Cards
• Invitations
• Planners or calendars
• Handmade items

7. Freelance Writing

Companies of all sizes and in many industries need help with their content. Freelance writers have endless opportunities, whether they need blog posts, social media content, or marketing material.

The best way to make money freelance writing is to assemble a portfolio of past work. This shows potential clients what you can produce to help their company grow.

Before offering freelance writing services, decide what you want to provide, whether you’ll write blog posts consistently, manage a company’s social media feed, or create ad copy for their marketing department.

You can advertise your services on Fiverr and Upwork to get more clients and market for yourself using your social media pages, including LinkedIn.

Fiverr

:

Fiverr is one of the top platforms for finding freelance gigs for around the world. Sign up now for free!

Sign up with Fiverr

8. Proofreading

You can make money proofreading if you pay great attention to detail and have great grammar skills. The average proofreader makes about $22 an hour, depending on the type of services you offer.

You can proofread blog posts, eBooks, websites, and almost any other content.

Collecting testimonials from past clients can help you get more clients, but Fivver and Upwork often have a large audience for companies and individuals looking for proofreading help.

9. Cash-Back Apps

One of the easiest ways to make money without a car is to sign up for cash-back apps. These apps pay you to shop, especially online, so you never have to step foot in your car to make money.

Each app works a little differently, but overall, they pay you to shop through their portal. You’ll usually earn a percentage of your purchase back. You can cash out when you hit their stated threshold.

Just be sure you understand how the app works. Some are extension browsers that automatically credit you for the purchase, and others are apps you must log into and shop through, heading to your designated store to get credit for the purchase.

Here are my favorites:

• Capital One Shopping: This browser extension ensures you get the best deal for the exact product you’re shopping for online. You can also earn shopping credits for shopping at specific stores that you can redeem for gift cards.
• Upside: Earn cash back while grocery shopping, filling your gas tank, or eating out. Just activate the offer in your Upside app before checking out, upload your receipt, and you’ll earn cash in your account to redeem for digital gift cards.
• Rakuten: Shop online with 3,500+ stores and automatically earn a percentage back in cash. The only downside is you only receive the earned cash once per quarter.

Rakuten

Price: FREE

Earn cash back on your online purchases with Rakuten. Signup now to earn a $40 bonus after spending $40!

Sign Up ($40 Bonus)!

10. Sell Your Stuff

Don’t overlook the opportunity to make money without a car just by selling items around your house.

You don’t need to wait until the warmer months to host a garage sale. Instead, you can sell items on many sites or apps. A few examples include Facebook Marketplace, eBay, Poshmark, and Craigslist.

Of course, if you want to have a yard sale, that’s an option, too. If you choose to sell items online and meet people in person to exchange the product for money, be sure you do so in a safe place, such as the local police station or a populated shopping center area.

11. Blogging

Blogging is a great avenue when learning how to make money without a car. If you are passionate about a topic and can find an underserved niche, you can earn money blogging.

Of course, this doesn’t happen overnight. You must build a solid audience and keep them captivated. Once you do, you can monetize your site with sponsored posts, affiliate links, and ads. When readers click on your links and make a purchase, you earn a small amount of commission.

12. Digital Marketing

If you know the latest marketing tactics, you can make money at home doing digital marketing.

Small businesses especially need help running their ad campaigns, especially Facebook and Instagram ads. Depending on your free time, you can run ads for many businesses, increasing the amount of money you make from home.

13. Customer Reviews

Focus groups are a great way to make money and make a difference with the products and services available. Market research companies and brands need customers’ opinions to understand what they think about their products and services.

Many companies run focus groups online, so you don’t need a car to get to them and can conduct the interview in the comfort of your own home. Some require you to come in person, but they often pay $100+ depending on the survey length.

Check out Focus Group or User Interviews to see how easy it is to make money with online focus groups.

14. YouTube Channel

Starting a YouTube channel allows you another opportunity to make money from home. All you need is the personality to create fun videos and a focus on a niche in high demand.

Like blogging, you must garner a sizeable audience before making money streaming on YouTube. But, once you do and are accepted into the YouTube Partner Program, you can earn money with the following methods:

• Ad revenue: YouTube runs ads on your videos and shares a portion of the revenue with you.
• YouTube Premium: If YouTube Premium subscribers watch your channel, you earn some of the revenue from their premiums.
• Channel memberships: You can create memberships to your channel, giving subscribers special benefits.
• Super Chat and Super Thanks: Fans can pay for highlighted comments or send you ‘tips’ as a thanks for your content.
• Shopping: You can provide links to your store or affiliate links to make more money.

15. Dog Walking

If you’re great with animals, consider starting a side hustle walking dogs or even pet sitting. You choose the services you’ll offer and where you’ll offer them.

For example, you may offer to walk dogs during the day while their owners are at work, or you may consider offering long-term pet sitting either in your home or the owner’s home.

You choose your prices, when you’re available, and the services you offer. While you can advertise your services on flyers or social media for your local area, there are a couple of sites that make promoting your services even easier:

• Rover: Advertise your pet services on Rover, and let Rover do all the administrative work for you. You leverage their large audience and can match with hundreds of pet owners in your area. Keep in mind Rover keeps 20% of your fees charged.
• Wag: 400,000 sitters and dog walkers already use Wag to advertise their services, making money from home playing with pets. They operate in 5,300 cities across the United States; however, they keep a larger percentage of your earnings than Rover.

16. Virtual Jobs

Virtual jobs, as you guessed, are jobs you do from home on your computer. The most popular way is virtual assistants, or administrative assistants who work virtually.

Other ways to work virtually include bookkeeping, tax preparation, data entry, web design, and freelance writing.

If you aren’t sure what you want to get into, browse the current listings on Fiverr. You can see what other professionals offer and determine if you can do something similar or better.

The nice thing about virtual jobs is you set all terms, including your prices, turnaround time, and exact services you’ll offer.

17. Online Tutoring

I love the option to offer tutoring online because it widens your audience considerably. You aren’t restricted to people in your demographic area; you can tutor anyone worldwide!

If you want something structured, you can sign up for services like VIPKid, where you teach English to Chinese students. You work on China’s local time, which usually means working late at night, but this is good for parents with small children; you can work when they are sleeping.

You can also offer tutoring services in almost any subject online and advertise to elementary through college-level students. Determine what subjects you’re a master at and offer tutoring services, making $25 to $50 an hour, depending on the subject.

18. Teach an Online Class

Another great way to learn how to make money without a car is to teach an online class. This differs from tutoring because you teach the course once and sell it repeatedly online.

You don’t have to be certified to teach an online class. If you have exceptional knowledge of a topic, you can teach it! It can be anything from learning how to knit to teaching complex accounting topics.

There are many platforms for online classes, but my favorite is Udemy. You upload the course to their site and then can leverage their incredible audience. With the right marketing tactics, you can make good money with your online class and even upsell students with one-on-one coaching or subscriptions to ongoing courses or information.

19. Vacation Rental

Second homes are great to have when you want to get away, but letting them sit vacant can be a waste of money. Instead, consider listing your home on Airbnb and making money on vacation rentals.

This is another form of real estate investing, but it’s on your terms. You choose when the property is available, how much rent you’ll charge, and what amenities you offer.

Check out the Airbnb site to see the average rent you could earn in your area and all the services they offer, including:

• Guest identity verification
• Reservation screening
• Damage protection (up to $3 million)
• Liability protection (up to $1 million)
• 24/7 customer service

Airbnb keeps 3% of the booking fee for most rentals.

20. Rent Out Storage Space

If your empty space isn’t livable but is excellent for storage, consider listing it on Neighbor. This online peer-to-peer storage platform advertises your storage space to people in your area.

You can list storage areas for personal items, cars, boats, RVs, and business inventory. Like Airbnb, you set the prices, availability, and rental terms. Neighbor keeps 4.9% plus $0.30 of every rental fee.

Where Can I Find Legitimate Remote Work Opportunities Without a Car?

If you don’t want to start a side hustle and prefer a legitimate job, check out FlexJobs, a website that lists the latest, legitimate work-from-home opportunities for both part-time and full-time jobs.

You can also scour listings on social media pages, Indeed, or network by calling companies to see if they are hiring any work-from-home positions.

FlexJobs

:

FlexJobs is the largest site for finding remote, work-from-home jobs, both full-time and part-time for your skillset. The trained researchers at FlexJobs hand-screen job listings to eliminate ads and scams found on other sites. Find everything from entry-level to executive positions at FlexJobs.

Start Your Search Now

FAQs

Knowing how to make money without a car opens many opportunities for you. Here are some common questions I get from being looking to get started.

How Can I Make Money Fast Without a Job?

There are many ways to make money fast without a job. If you want to make a steady income to cover the bills, look for freelance opportunities like writing, proofreading, bookkeeping, or tutoring. You can also incorporate passive income opportunities like real estate investments or renting your home or storage space.

How Can I Make Money in My Free Time?

If you’re looking for a way to make money in your free time, consider things like playing games, answering surveys, or shopping online through cashback apps. These are all great opportunities to earn a little money on the side while sitting in the doctor’s office, watching TV, or waiting for your child to come out of practice.

How Can I Make $500 Fast Without a Car?

Believe it or not, it’s easy to make $500 fast without a car. The key is to determine what you’re good at and love doing. For example, if you love pets, consider pet sitting, or if you love writing, become a freelancer writer. If that’s your goal, the best way to ensure you make $500 is to diversify your efforts to maximize your earnings.

The post How To Make Money Without a Car in 2026 appeared first on Millennial Money.

Passive income streams can be used to supplement your retirement income, ensuring you have enough money to enjoy your golden years without financial stress.

With how unpredictable the market can be, it’s important to diversify your income to ensure you fulfill your financial needs throughout retirement.

How to Earn Passive Income for Retirement

Here are 10 of the most effective ways to earn passive income for retirement:

1. Dividend Stocks
2. Interest-Bearing Accounts
3. Bonds
4. Annuities
5. Invest in Real Estate
6. Peer-to-Peer Lending
7. Rent Your Property
8. Pursue Your Passions
9. Share Your Insights
10. Reward Accounts

1. Dividend Stocks

These stocks pay dividends to stockholders, usually monthly, but sometimes quarterly or semi-annually. Since companies that regularly earn a profit offer dividend stocks, you can use the funds to supplement your monthly income.

Keep in mind that dividend stocks don’t always have the greatest returns, aka capital gains, but the regular dividends they pay can supplement your retirement income and provide diversification.

2. Interest-Bearing Accounts

Interest-bearing accounts like CDs and high-yield savings accounts can also generate a passive income for retirement. They may not provide the same returns as stock market investments, but they provide liquidity and are much less risky.

For example, it’s not unusual to find high-yield savings accounts paying as much as 5% or more, giving you a stable return on your investment while ensuring you can access the funds as needed.

Similarly, you can find high interest rates on CDs, but they have time commitments and often have higher minimum deposit requirements. Before investing in a CD, ensure you can leave the money in the timed deposit for the term. If you withdraw funds early, you may have to pay a penalty equal to three months or more of interest.

Valley Direct High Yield Savings Promo Account

:

Earn 4.00% APY on all balances with an HYSA from Valley Direct. New customers only. $1,000 minimum deposit required to receive promo APY.

Start Saving

3. Bonds

Bonds are another form of conservative investment to diversify your portfolio. Rather than a deposit account, bonds are loans you make to the government or a company. You earn interest on your investment and know exactly when the bond matures and when you’ll recoup your investment.

Government-issued bonds are virtually risk-free but pay lower yields than corporate bonds. There’s almost a guarantee of repayment because governments can increase taxes to have the funds to repay bonds. Corporate bonds are loans to companies that may or may not make good on their debt but pay higher yields to compensate for the risk.

4. Annuities

Annuities are a way to ‘buy passive income’ for the future. You invest a lump sum of money now in exchange for guaranteed income for a predetermined period, with some annuities lasting as long as your lifetime, even if you outlive the amount contributed or earned.

You can set up certain protections, including the ability for the funds to grow with inflation, or you can increase the payments to cover another family member, such as a spouse. It’s important to set up a beneficiary on your account should you die before you use up the funds contributed to the account.

5. Invest in Real Estate

Investing in real estate is a tried-and-true way to have passive income for retirement. Fortunately, you don’t need a lot of capital to do so, and you can make completely or somewhat passive investments, depending on your desired level of involvement.

Most real estate investments pay dividends or regular income through rent, interest (for loan investments), and capital gains when the property is sold.

• REITs: Real estate investment trusts are truly passive because the real estate company does all the work. You purchase company shares, which distribute 90% or more of its profits to shareholders. REITs may invest in many types of commercial real estate, including office buildings, medical facilities, hotels, apartment complexes, and shopping malls.
• Real estate rentals: Investing directly in real estate rentals requires much more capital and involvement in the investment. Granted, there are ways to make rental real estate passive if you hire a property management company to handle the property and tenants. This is a good option for those living in an area with a high demand for rentals.
• Crowdfunding: If you only want to invest a little capital in each commercial real estate investment, you can consider crowdfunding. This method allows you to invest in individual commercial real estate investments with other investors. You can sometimes invest as little as $25 in each property, allowing you to diversify your investments and capitalize on the different markets.

6. P2P Lending

Peer-to-peer lending (P2P) allows investors to invest in consumer loans. You may loan money to consumers experiencing emergencies or people looking for funding to start a business. The P2P platforms rate the borrowers based on their credit, income, and ability to repay the loan, so you know what type of risk you’re taking.

P2P loans are generally considered risky, but you can diversify your portfolio to include loans across multiple grades to reduce the risk of loss. Lending Club is a common P2P platform investors use to earn passive income in retirement.

7. Rent Your Property

Renting your property is another great source of passive income for retirement. This works well for retirees who have a vacation home or even if you have a spare room in your primary residence.

There are many ways to rent your property, including:

• Airbnb: With Airbnb, you control when the property is available, the amenities you offer, and the rental prices. Airbnb takes a percentage of your earnings, but you leverage their large audience to increase the chances of renting the property and supplementing your income.
• Neighbor: If you have extra storage space you don’t use, you can rent it on Hosts list many types of storage space, including garages, attics, crawlspaces, and spare rooms. Like Airbnb, you control the listing, duration, and what you charge.
• Hipcamp: If you own land that can be used for tent, RV, or cabin camping, you can list it on Hipcamp. You list when the property is available and what it’s best suited for to ensure you get ‘happy campers’ and can supplement your retirement income.

If you don’t have a property to rent but have extra stuff lying around you know others could use, consider renting it to make passive income. You’d be surprised at what people want to rent!

Here are some popular apps to rent your stuff:

• Turo: If you have an extra car or don’t drive much during retirement, consider listing it on Turo. Turo includes $750,000 in liability insurance and 24/7 roadside assistance for renters. They claim the average person with one vehicle to rent makes an average of $10,516 annually, which can be great to supplement your retirement income.
• RVShare: RVs are nice, especially in retirement, but you lose money when they sit around. Instead of letting your RV collect dust, turn it into passive income in retirement by listing it on RVShare, the Airbnb version for RV rentals.
• Boatsetter: If you have a boat, chances are it sits much more than you use it. Turn it into passive income by listing it on Boatsetter. It doesn’t matter if you have a small two-person boat or a yacht; there is a demand for boat rentals of all sizes.

8. Pursue Your Passions

Did you know you could turn your passions into passive income in retirement? If you have a special skill or hobby, chances are you can turn it into a money-making opportunity.

Here are a few common ideas, but the sky is the limit!

• Tutoring: Whether you were a teacher in your past life or you’ve always had a passion for teaching others, you can make money tutoring. While it’s not a 100% passive income opportunity, you only work for an hour at a time and set your hours and rates to supplement your retirement income while keeping your brain active.
• Photography: If you love taking pictures, you can make passive income selling stock photos on sites like Shutterstock and iStockPhoto. While you must do some work by taking the pictures and uploading them, they then sell themselves. Each time someone purchases one of your images, you earn a small commission. You can keep the photos listed for as long as you want, potentially earning you a lifetime income.
• Crafts: If you’re the crafty type, you can keep your hands and mind busy while also making money by selling the items on Etsy. Starting an Etsy shop is free, but you’ll pay a small fee for each item you sell. The tradeoff is you can leverage Etsy’s large audience to make more money.

9. Share Your Insights

Do people always turn to you for advice or to learn new things? You could turn your knowledge into passive income in retirement by starting a blog, YouTube channel, podcast, or course! You don’t have to be famous or have unique abilities. If you are passionate about teaching your audience about different topics, you can make money doing it.

• Blog: Over 500 million blogs exist, but you can become a part of the fun. You only need a niche or topic you are passionate about and the audience to read what you write. The key is finding a unique niche aspect to stand out from the competition. You can make money by monetizing your blog with affiliate links when you have a decently sized audience. You earn a small commission when your audience members click the link and purchase something.
• YouTube channel or podcast: If writing isn’t your thing, you can make money starting a YouTube channel or podcast. The same premise exists: you need a niche and an interested audience. Like blogging, you make money from affiliate links and ads. You may even be approached by brands that want to sponsor a video or podcast.
• Create a course: If you are knowledgeable enough on a topic that you can teach a course, you can create it in an online platform, like Teachable, and sell it as many times as people will buy it. To increase your passive income in retirement, you can offer ways to upsell, like memberships, future courses, or one-on-one support.

10. Reward Accounts

A fun way to earn passive income in retirement is to look for rewarding accounts constantly. Financial institutions and companies attract new customers by offering bonuses and rewards for signing up.

Here are the most common rewards to consider:

• Bank bonuses: Banks often pay a bonus to new customers. They generally have strict requirements, like opening a specific type of account and making a minimum opening deposit. Some have other requirements, such as the number of debit card purchases or direct deposits they must receive.
• Credit card sign-up bonus: Many credit card companies, like banks, offer new sign-up bonuses. You typically must be a new customer of the brand and must meet the minimum requirements. Most credit card companies require you to spend a certain amount to earn the bonus within a specified period.
• Cashback credit cards: If you regularly use credit cards (and pay them off), consider applying for cashback credit cards that pay you for your purchases. Find cards that pay the highest rewards for the categories you spend the most, such as grocery, travel, or gas, and get paid to spend money.
• Cashback apps: Another way to earn passive income for shopping without using a credit card is cashback apps. Rakuten, Upside, and Ibotta are popular apps that pay you for everyday spending as cashback or gift cards.

Ibotta: Referral Code UXQOUA

Sign-Up Bonus: $5

Ibotta gives you cash back every time you shop – with some retailers offering up to 30%!

Start Saving Now

How Is Passive Income Taxed in Retirement?

The type of passive income you earn in retirement will determine how it’s taxed. Almost all income is taxed in some way, but some income, such as long-term capital gains, is taxed at a lower tax rate than income taxed at your ordinary tax rate.

If you’re investing to earn passive income for retirement, consider working with your tax advisor to use tax-loss harvesting strategies. This helps offset capital gains and lower your tax liabilities in retirement.

Passive Income Can Boost Your Retirement

Think of passive income as extra money during retirement. Because it can be unpredictable, you shouldn’t rely on it, but the extra money can help you fulfill your goals during retirement.

If you make enough passive income in retirement, you may be able to withdraw fewer funds from your retirement account, ensuring you’ll have more to last throughout your lifetime. Even if you withdraw the same amount from retirement, having extra money can help offset financial emergencies or allow you to let loose a little more.

Diversify your efforts, but remember your risk tolerance. Don’t take too many chances with your retirement income, but find ways to grow it so you have supplemental income and can rest assured that your golden years are as enjoyable as possible.

The post 10 Ways to Generate Passive Income for Retirement appeared first on Millennial Money.

You may be familiar with Empower, the popular app that offers fee-free cash advances of up to $250 with no credit check. For a small fee, you can even get instant cash instead of waiting a couple of business days for standard processing time.

The Empower app is especially popular among gig workers, as even freelancers, contractors, and other non-traditional employees can get an Empower cash advance.

While Empower is a solid option if you need extra cash right now, there are many other apps like Empower too. They may advance higher loans, provide more flexible terms, or offer other helpful budgeting tools.

7 Best Apps Like Empower for Small Cash Advances

These are our picks for the best apps like Empower you can download today:

• Chime
• Dave
• Varo
• Cleo
• MoneyLion
• EarnIn
• Brigit

1. Chime

Best for: Immediate Access

Chime is known for being a solid checking account option, but did you know it can advance account holders up to $200 through the Chime SpotMe program?

Through SpotMe, you can overdraw your account by up to $200 on debit card purchases without any overdraft fees.

Additionally, Chime cardholders pay no monthly service fees, no minimum balance fees, no foreign transaction fees, and no ATM fees at a nationwide network of over 60,000 teller machines.

Account holders can also get early access to their paycheck up to two (2) days early if they have direct deposit in place.

Chime itself is not a bank, but a financial technology or fintech company. Chime partners with The Bancorp Bank, N.A., and Stride Bank, N.A., both of which are Member FDIC financial institutions.

Learn More at Chime.com

2. Dave

Best for: Low fees

Dave is a similar app that will spot users an advance amount of up to $500 with no interest or credit check. Funds are paid back on your next payday.

In addition to offering quick access to emergency funds, Dave has budgeting tools, overdraft protection alerts, credit monitoring, and automatic bill pay tools.

Dave users connect their external bank account to the app for cash advances and other personal finance tools. The app has a monthly subscription fee of just $1 (compared to $8 for Empower) and saves the average American consumer $500 a year.

Learn More at Dave.com

3. Varo

Best for: Flexible repayment terms

Varo is a popular banking app that offers checking and high-yield savings accounts, along with roundup and other tools to automate savings.

Account holders in a pinch can use Varo Advance access up to $250 before their next paycheck hits the bank. Borrow anywhere from $20 to $250 with no interest, and you determine the repayment terms with the full balance owed within 30 days of the advance.

You can borrow up to $20 for free, making Varo a good option if you need a small amount of money (i.e. topping up your gas tank) before payday. Advances of $50 and more have a fee of $4 to $15 depending on the amount of your cash advance.

There are no tips, subscription fees, or transfer fees to use Varo Advance. Additionally, customers can eventually qualify for cash advances of up to $500. Whatever their starting limit, customers unlock higher loan amounts over time through a positive repayment history.

Side hustle workers, like Uber drivers, can use Varo but there are eligibility requirements for incoming funds. To be eligible for an advance, you must have received at least $800 in direct deposits within the current month or the previous month.

Varo

:

If you are running a little short until your next payday, Varo Advance can come in handy, providing up to $500 instant cash advance for a small, one-time fee.

Get Started

4. Cleo App

Best for: AI Support

Cleo has been called an Alexa or Siri to look after your money, and that’s a fairly apt description. The Cleo app has features to help you budget, save, track spending, monitor your credit score, and spot you a cash advance if you need emergency funds before payday.

As with other voice assistants, you can ask Cleo questions like, “What’s my checking account balance.” Or “Can I afford to go out to eat tonight?” Cleo will do the calculation and offer their financial advice, basing it on your income, bills, spending habits, and other data-driven insights.

The app has other features to help you automate savings and build a rainy day fund and create a budget that you can stick to.

Cleo Plus members, who pay a monthly subscription fee of $5.99, are spotted up to $100 to prevent account overdrafts and can request a cash advance of up to $250 per month with no credit check or cash advance fees or any interest.

There is also a Cleo Builder membership for $15.99 a month, where timely repayments to credit builder loans are reported to the credit bureaus to improve your credit history.

If you are not a Cleo subscriber and need a cash advance, you can apply by contacting customer service at team@meetcleo.com.

Learn More at MeetCleo.com

Pros and Cons of Cash Advance Apps

While apps like Empower are a much better option than predatory payday loans or trying to pawn your belongings, these apps come with pros and cons.

Pros

• Receive funds quickly with no interest or cash advance fees.
• No credit check
• Cover cash emergencies in a discreet and dignified way.
• Costs less than payday loans, which can have interest rates of over 450%.
• Will not negatively impact your credit score.
• Can prevent overdraft fees, saving you hundreds of dollars each year.
• Enables you to meet monthly obligations, preventing late payments which can negatively impact your credit score.

Cons

• Paid subscription required for access to cash advances, ranging from $1 to $18.
• Extra fees for immediate (same-day) access to funds.
• Can create dependence on cash advances which is not a good situation to be in.
• No guarantee you will be able to get a cash advance, even with a paid subscription. Even if you have qualified before, qualifying terms can change at any time.
• Cash advances can be quite small (i.e., less than $50) for those with thin or damaged credit profiles and it can be hard to get increases.

5. MoneyLion

Best for: Large cash advance amounts

MoneyLion is a payday loan app with an arsenal of features for consumers to take control of their financial well-being. It offers low-interest personal loans, no-interest cash advances, credit monitoring, budgeting assistance, and tools to track spending and avoid missed payments or late fees.

Fast cash advances, referred to as Instacash, are offered to MoneyLion debit card holders. Similar to Chime, MoneyLion is a fintech company and is not a bank. Meta Bank, National Association, a Member FDIC institution, issues the MoneyLion Debit Mastercard.

To qualify for cash advances:

• Download the MoneyLion app.
• Enroll in MoneyLion Your free membership gives you a free MoneyLion checking account, access to a large, national network of ATMs, and cash back on everyday spending.
• Set up direct deposits of $250 or more per pay period.

Regular account holders can qualify for up to $500 or $700 in cash advances. Those with a premium RoarMoney account can get advances up to $1,000.

6. EarnIn

Best for: Getting Paid Early

EarnIn is a cash advance app that lets you access your earned wages before payday. The app connects to your external bank account and work hours, and can send a cash advance within three (3) days of your request.

There are no credit check requirements with EarnIn. The advance is fee-free and interest-free, with no monthly subscription charges. EarnIn asks app users to tip what they feel is fair and suggests a tip of around 10%.

The app will advance you up to $750 per pay period (or up to $100 per day) for hours that you have already worked.

EarnIn makes money through user tips or Lightning Speed transaction fees. Lightning Speed is a service to advance funds instantly (within minutes). Fees range from $3.99 to $4.99, and your first Lightning Speed transfer is always free.

7. Brigit Loan App

Best for: Avoiding overdraft fees

The Brigit app will advance you up to $250. The “Instant Cash” advance is interest free and there is no credit check. The app monitors your account proactively to help you avoid low balances and overdraft fees. When Brigit sees your balance nearing zero, it will send you up to $250 to cover expenses. Through this proactive coverage, Brigit has saved consumers hundreds of dollars in overdraft fees every year.

Users like how simple the process is. To work with Brigit, you just need to connect your bank account. It’s easy to do, and Brigit works with 15,000+ financial institutions including Wells Fargo, Bank of America, Chase, and the Navy Federal Credit Union.

There’s no hidden fees or requests for tips. Like Empower, Brigit is a monthly subscription service. It’s $8.99 a month for Brigit Plus or $14.99 a month for Brigit Premium. There is also a free version, but it does not provide cash advances.

Premium subscribers can receive their Instant Cash with express delivery — typically within 20 minutes of initiating a request. Plus members get free standard delivery, which takes up to three (3) business days or they can pay a small fee for express delivery.

Credit Builder loans are also available to Premium customers. Brigit will report on-time payments to the credit bureaus, improving customer credit scores over time.

Alternatives

There are other alternative to using apps like Empower, especially if you don’t want to link your bank account to a third-party platform.

Here are some other methods you can use get immediate access to cash funds:

• Salary advance. Ask your workplace if they can advance you a portion of your next paycheck.
• Credit cards. If possible, use a credit card to cover (charge) an unforeseen bill and then pay the balance in full on your next payday. Credit card cash advances can be a convenient way to get cash quickly, but those fees can run very high.
• Peer-to-peer loans. There many peer-to-peer (P2P) lending platforms that offer alternative loans to consumers who may not otherwise qualify. Interest rates commonly range from 6% to 35% and some P2P platforms report payments to credit bureaus.
• CDFI loan. These are short-term, small-dollar loans offered through Community Development Financial Institutions. The aim is to expand economic opportunity and promote community growth. Interest rates commonly range from 4% to 9%.
• Sell something you don’t need. While we don’t recommend taking all your goods to the pawn shop to see what they’ll take (thus getting pennies on the dollar), there may be some unused items of value in your home you could part with like old furniture, baby gear, name brand clothing or sporting gear.

Frequently Asked Questions

Do You Have to Pay Interest on Cash Advances?

For apps like Empower and other platforms featured in our article, no. There is no interest paid on cash advances however you do need to subscribe to the platform with monthly fees starting around $3 to $8 for most apps.

Credit cards that extend cash advances typically start charging interest from the very first day that the cash advance posts to your card. Interest rates can be as high as 30%.

What is the Easiest Loan to Get Immediately?

The easiest personal loan to get is commonly a payday loan or car title loan. They typically offer up to $500 (or more in states without a maximum borrower amount) for payday loans or several thousand for car title loans. These loans, however, are predatory in nature and charge shockingly high interest rates.

Cash advances from apps like Empower are similarly easy to obtain as they do not require a credit check, however, they do require a verified source of income (direct deposits), active bank account, and may advance much lower amounts than a payday loan. Depending on your borrower profile, you may only be eligible for $10 to $25.

What Are the Fastest Apps like Empower for Small Cash Advances?

The apps featured in this review can all issue same-day cash advances, often within an hour. There is a fee for immediate access to funds though, ranging from $0.99 to $8.99 depending on the app platform and total cash advance amount.

Chime is the fastest overall, as it is the only app that issues funds instantly. However, this is because you must be a Chime checking account holder in order to get a Chime cash advance.

The post 7 Best Apps Like Empower appeared first on Millennial Money.

In 2024, Robinhood announced the launch of its first credit card, the Robinhood Gold Card. With a rewarding flat rate across all spending categories and increased cashback on travel, we think this card is worth considering, especially if you’re already a Robinhood Gold member.

The Gold Card is set to launch later this year, and you can join the waitlist now to reserve your spot. It’s a 17-gram stainless steel Visa Signature, and the card issuer is Coastal Community Bank, which is an FDIC member.

We’ve reviewed all the card’s key features, fees, and reward redemption options below to help you decide if the Robinhood Gold card is a worthwhile addition to your wallet.

Robinhood Gold Card Overview

Here are a few key Robinhood Gold Card details to be aware of:

• Rewards rate: 3%
• Bonus rewards rate: 5% on travel
• APR: 19.99% – 29.99%
• Annual fee: No; Robinhood Gold subscription required ($5 monthly)
• Welcome bonus: No

Features

The most notable feature of the Robinhood Gold Card is its flat-rate 3% cashback across all categories, with a bonus rate of 5% for purchases through Robinhood’s travel portal.

Here are a few of the card’s other most noteworthy features we think you should know about:

• Family features: Robinhood doesn’t impose age restrictions for authorized users, allowing kids to build their credit. You can also track your family’s card usage, set spending limits, and lock cards.
• Virtual cards: For added security, you can make digital purchases using virtual cards with disposable numbers.
• Travel perks: The card provides trip interruption protection, Visa Signature concierge service, and travel and emergency assistance.
• Purchase protection: Cardholders also get purchase security, extended warranty protection, return protection, and zero liability coverage.
• Vehicle assistance: Additionally, the card offers a car rental collision damage waiver and Roadside Dispatch.
• Robinhood integration: The Robinhood credit card app is seamlessly integrated with the Robinhood investing app, so Gold members can transfer rewards to their brokerage account.

Rewards

As we mentioned earlier, the Gold Card pays 3% cashback across all spending categories, except for travel bookings through Robinhood, which earn 5%.

The Gold Card gives you four options for redeeming your credit card rewards:

1. Cash-back rewards: While you can’t directly cash out your rewards for money, you can use them as cashback in your Robinhood brokerage account, where you can invest the funds or earn a competitive APY on your uninvested cash.
2. Travel portal: You can also use points to make travel purchases through the Robinhood travel portal.
3. Shopping portal: If you’d prefer to shop with your cashback rewards, you can apply your points toward purchases from Robinhood’s partner merchants.
4. Gift cards: Similarly, you can redeem your rewards for gift cards from several merchants in Robinhood’s rewards portal.

Fees

One of the biggest draws of the Robinhood Gold Card is its lack of fees. While you do have to be a Robinhood Gold subscriber, the card itself doesn’t have any monthly fees. There are also no foreign transaction, balance transfer, or overlimit fees.

There are a few fees for actions like late payments, return payments, and cash advances, which are standard in the credit card industry. You’ll also be required to pay a membership fee for Robinhood Gold to be eligible for the card.

Promotions

Unlike some of its competitors, Robinhood isn’t currently offering a welcome bonus for its new Gold customers.

While there isn’t a welcome offer, there is an ongoing Solid Gold referral program. If you join the waitlist for the card and make 10 eligible referrals, you’ll get an actual 10-karat solid-gold card or a comparable cash prize.

Getting Started

You can join the waitlist for the Robinhood Gold Credit Card by entering your email address on the Robinhood website. From there, you’ll be able to refer friends and get notified when the card is available.

Before you apply, it’s important to take a look at the fine print. Robinhood notes that you can check your approval without impacting your credit score. Once you accept the card offer, you’ll be subjected to a hard credit pull, which can temporarily impact your score.

Keep in mind that you must have a Robinhood Gold membership to be eligible for the Gold Card. Robinhood Gold comes with a 30-day free trial, but you can’t open a Gold Card until after your free trial period has ended.

Pros and Cons

Like any credit card, the Robinhood Gold Card has some advantages and disadvantages. Here are a few of the biggest pros and cons to consider before applying for the card:

Pros

• No foreign transaction or annual fee: The Gold Card’s limited account fees make it an appealing choice for earning the most cashback possible.
• No age limits for authorized users: Gold users looking to help give their kids’ credit a boost can add them as authorized users, regardless of their age.
• Excellent cashback rate on all categories: With Robinhood, there are no rotating categories or cashback caps to worry about. You get the same flat rate on all spending categories, with extra rewards on travel bookings.

Cons

• Requires Robinhood Gold subscription: While the card itself doesn’t have annual fees, it’s only available to Robinhood Gold members, who are required to pay ongoing subscription fees for Robinhood’s premium investing tools.
• No simple cashback redemption: If you want to redeem your rewards for cash, you’ll have to transfer them to your Robinhood brokerage cash account. From there, you can let the money sit and accrue interest, invest it, or withdraw it, which adds an extra step.

Who Is the Robinhood Gold Card Best For?

The Robinhood Gold Card isn’t the right fit for everyone. If you use a different investment platform and don’t want to invest with Robinhood, consider another cashback card that doesn’t require you to have a Robinhood account or subscribe to its Gold plan for a fee.

If you’re already using Robinhood to invest and have been contemplating upgrading to a Gold account anyway, the card could make a subscription worth it. And if you currently subscribe to Robinhood Gold, adding the card to your wallet is a no-brainer that can help you easily earn competitive flat-rate cash back on all your purchases.

Bottom line—Compare the cost of a Gold membership to the cashback you anticipate earning and the value the Gold plan would add to your investment plan to decide if the card is worth it.

The post Robinhood Gold Card Review 2026 appeared first on Millennial Money.

The Empower app stands out in the fintech scene as a practical solution for gig workers and others who need a flexible way to manage personal finances and sometimes inconsistent income.

It’s known for offering cash advances with more lenient requirements than traditional banks and other similar cash advance apps. Empower provides quick access to cash without the hassle of a credit check or paying predatory payday lender fees.

This Empower review will cover how cash advances and other Empower app features work. We’ll tell you what you need to know about this product and common reader questions — including other similar loan products.

What is the Empower App?

Empower is a mobile money management app that offers cash advances to workers who need a small advance before payday.

The amounts are smaller than what other apps may offer, but Empower is known for its rapid-fire speed in getting users their money right away, as well as its thinner credit requirements.

Beyond small cash loans, Empower is a versatile fintech mobile app. Empower features budget and spend trackers, credit monitoring, and other tools to help users save money and manage their finances more effectively.

Empower is not a bank itself. It does offer some mobile banking services through NBKC Bank, Member FDIC, and Empower Thrive is provided by FinWise Bank, Member FDIC.

How the Empower App Works

The Empower app offers three (3) primary services:

• Cash advances: Get an advance of up to $250 with no interest, no fees, and no credit check. The cash is deposited into the same bank account where your paycheck is deposited, or onto your Empower debit card.
• Thrive: A credit line designed to (re)build credit, get a credit line starting at $250 that can be raised to $1,000. There’s no minimum credit score required for Thrive and on-time payment history is reported to Equifax and Experian. Month over month, responsible borrowers can access an increasingly higher limit.
• Debit card: Using the Empower Card means you can get immediate access to cash advance funds and get paid up two (2) days sooner if you have direct deposit set up. There are also cash-back rewards of up to 10% for purchases made with the card.

Fees, Withdrawals, Repayment

Empower offers users a free 14-day trial, after which there is an $8 monthly subscription fee to use the app. For cash advance users, there are no additional interest or late fees.

Interest

For the Empower Thrive line of credit, the APR is 0% if you pay off the line of credit in full before your next paycheck. Otherwise, the APR is 35.99% (except where local state laws require a different rate). Missed payments may incur late fees and other charges.

Access to Funds

If approved for a cash advance, the money is transferred to your bank account or your Empower debit card. There’s no fee for a regular ACH transfer to your bank account which may take up to five (5) business days to clear. (Some borrowers will get the funds within 1-2 days.)

There is also an instant delivery option for funds to be expedited to your regular bank account.

Instant Delivery Amount | Fee

• $0-$10.00 | $1.00
• $10.01-$49.99 | $2.00
• $50.00 – $74.99 | $3.00
• $75.00 – $99.99 | $4.00
• $100.00 – $149.99 | $5.00
• $150.00 – $199.99 | $6.00
• $200.00 – $249.99 | $7.00
• $250.00 or more $8.00

For Empower Thrive, fees are $1 to $8 for up to $300. After $300, the fee is 3% or $20 — whichever is less.

Repayment

Repayment for an Empower Cash Advance is automatically debited from your bank account on payday or other scheduled date.

For Empower Thrive, you can set up customized payment options.

Eligibility Requirements

While there is no credit check for cash advances, the Empower app does consider other information to determine your ability to repay a loan. It will review information from an externally linked bank account such as paycheck amounts and spending habits, and decide what amount you can borrow. If approved, you can receive an advance of $10 to $250.

Additionally, borrowers must be 18 years or older, have a Social Security number, and have a bank account that’s at least 30 days old.

Additional Empower App Features

Beyond cash advances, the Empower app has many other savings and budgeting features to help you monitor your spending habits and credit score, build wealth, and improve your overall financial wellness.

Credit Score Monitoring

Empower app users can view their credit scores within the app. Empowers shows a detailed breakdown each month of different aspects, such as bill payment history or credit utilization, that can impact your score. The app will offer personalized recommendations to increase your score.

Budgeting Tools

Empower is also one of the best budgeting apps you’ll find. It monitors your monthly expenses and incoming deposits and gives you a detailed report of where your money is going. It can help you set budgets across different spending categories, and provide alerts or reminders for paycheck deposits, bills, and purchases in certain categories.

This perk is available for all Empower users, even those who are connecting an external bank account to the Empower app.

Automatic Savings

The app’s autosave feature makes it effortless for you to save money and steadily grow your savings account or rainy day fund.

Savers can use a manual or AI option. With the manual option, you decide what dollar amount from each paycheck Empower should automatically set aside in your savings.

With the AI mode, you set a weekly savings goal and the app will move money from your checking to savings in the safest, most efficient way possible. Its goal is to set aside as much as you can afford to save without running out of money for other regular expenses.

Getting Started

If you want a cash advance from Empower, here’s how to get started.

1. Download the free app on Google Play or Apple. Many other apps have similar names. Make sure the app developer listed is Empower Finance. Or download it from the Empower.me website.
2. Set up your account. Provide your phone number and wait for Empower to send you a verification code. Then provide the verification code, and input your name, email address, birthday, and set a password.
3. Connect an external checking account — select the one you use to receive paycheck deposits.
4. Request a cash advance and see what advance amount, if any, you are approved for.
5. Choose a delivery method to get your funds. You can select the instant delivery option, for a small fee, to get your funds within an hour.

Empower will withdraw the amount they’ve advanced you, plus any express delivery fees, from your bank account on the due date.

The account set-up process generally goes quite smoothly, however, in some instances, you may be asked to provide additional documents to verify your identity such as a driver’s license or military identification card.

Alternatives to the Empower App

There are many apps similar to Empower that can also offer a cash advance to users who need a cash injection before payday. Three (3) other alternative apps to consider are Dave, Earnin, and MoneyLion. All if these apps work on iOS or Android devices.

Dave

This cash advance app will spot you up to $500 to cover expenses while you wait for your next paycheck.

There is a $1 monthly membership fee and additional fees (of $3 to $25) to get your funds advanced on the same day instead of waiting for the normal processing time of up to three (3) business days.

Additionally, users must open an ExtraCash account to be eligible for cash advances.

Earnin

Another popular cash advance app, Earnin, will advance you up to $750 per pay period (or $100 per day) for hours that you have already worked. Earnin has no credit check requirements and offers a fee-free, interest-free advance. The advance is automatically repaid with a debit on your next scheduled payday.

Earnin has no monthly subscription fee, but instead, users tip the company whatever they believe is fair for the service they provide. The app will not report these payments to the credit bureaus, so it will not build (or harm) your credit score.

MoneyLion

Similar to other cash advance apps, MoneyLion provides interest-free cash advances with no credit checks. Initial cash advances, however, start out low. First-time borrowers will qualify for just $10. As you build a history of repaying these advances, you can unlock higher amounts — up to $500.

Users must have a linked, external bank account and meet other basic eligibility requirements.

MoneyLion also offers Credit Builder Plus, a product similar to Empower Thrive. This is a loan product that does not require a hard credit pull. It’s meant as a tool for consumers to establish and build a positive credit history. To use Credit Builder Plus, there is a $19.99 per month fee.

Promotions

To date, Empower has not offered traditional promotions (i.e. coupon code to save 15%) the way you might expect with retail apps. However, Empower does have its own bonuses and incentives to encourage users to try and recommend the app.

Free Trial

First-time customers can get a free 14-day trial. At the end of the trial, Empower will charge an auto-recurring subscription fee of $8 per month. You cannot cancel our membership and then sign up for a new free trial after you have already had 14 days free.

Referral Rewards

Refer friends to the Empower app and you and your friend will each get a $5 reward. To qualify, the friend must accept your invite, start an Empower subscription, and accept a cash advance within 30 days.

The bonuses are paid out within two (2) business days after the referred friend accepts their first cash advance.

Security

Empower uses industry best practices to protect your personal data from loss, misuse, or unsafe storage or access. This includes the usage of multifactor authentication (MFA) methods and data encryption.

Customer Support

There are a couple of ways you can reach Empower customer service.

• Email: Send messages to help@empower.me
• Phone: Call 1 (888) 843-8967. Phone lines are open 6 a.m. to 3 p.m. PST Monday to Friday, except on holidays.
• Resource library: Empower has a robust support center filled with articles and FAQs to troubleshoot issues and answer the most common user questions.

Customer Reviews

Consumer response to the Empower app has been overwhelmingly positive. It has extremely high ratings on Google Play and the Apple App Store (4.7 stars and 4.8 stars, respectively, based on over 300,000 total reviews).

Reviews on the Better Business Bureau (BBB) page are more critical. Complaints center around customers unhappy with the $8 monthly subscription fee (for not canceling their free trial in time). Also, many users leave negative reviews for Empower Retirement Planning, a completely different entity owned by the Empower Annuity Insurance Company of America, on the wrong page.

Here are some relevant reviews from real users of the Empower Finance (cash advance) app:

This app is incredible, to say the least. $200 instantly sent to you, a $7 instant transfer fee, pay the $207 back on your next paycheck. After successfully paying back an advance, you can unlock the ability to get Thrive which reports to the credit bureaus, builds credit history, helps your credit score climb, and allows for higher advances up to $1,000. the ONLY thing that would make Empower better is if you could do split payments (ie: borrow $1000 and pay back over time.) Otherwise it's perfect!

I'm a travel journalist. I needed money because financially the car repairs cleaned out my meager bank account. I read the reviews and chose Empower, they are exactly as advertised... No surprises OR hidden fees. I took a leap of faith. Empower most definitely came through for me. Absolutely, & without reservation, I would choose them. They're a Company...not just an app!

One of the ONLY loan apps that’s HONEST! I’ve been using the app “Empower” now for about a month and so far so good, I basically have zero complaints except for one. When I first got offered a cash advance it was $10 which is understandable since I was a first-time customer. I repaid on time and got offered another cash advance for $25 which really helped me...but now I’m on my 4th advance with Empower and they still have not offered me more than $25 even though my account is in good standing...

Pros and Cons

We quickly addressed some of the pros and cons of using the Empower app in our intro, but here’s a deeper look.

Pros

• Flexibility eligible criteria with no credit check: There’s no credit pull, hard or soft, to get an advance. The platform is more concerned with incoming income and a proven ability to repay the amount.
• Advances are funded within one day: Empower debit card holders can get the funds within an hour. Other customers can pay an additional fee to get the funds straight away.
• Gig workers and freelancers may also qualify. These less-traditional workers are usually not able to access loans and similar financial products with favorable consumer terms.
• Budgeting and credit-building features. Many tools within the app promote financial wellness and better money management.
• Much better alternative to payday Payday loan products are notoriously predatory, and charge interest rates as high as 456% in some states.
• Refunds users if the app causes an overdraft fee.

Cons

• Loans are smaller than other cash advance apps. Other similar apps like Dave, MoneyLion, or Earnin, will advance up to $500 to $750.
• Monthly subscription fees of $8. Still, this is much cheaper than the interest you would be charged for a payday
• An empower card is needed for free, immediate cash advances. Otherwise, you will need to pay a fee to get the advance funds on the same day requested.
• No user notifications before repayment Funds are withdrawn on the pre-agreed-upon date (payday), but there is no reminder or alert before this happens. You’ll have to set your own calendar alert.
• Can take a while for Empower to increase your approved cash advance amounts. In the app reviews, some users state they cannot get approved for more than $25 after repaying four (4) or more cash advances in a timely manner.

Frequently Asked Questions

Here are some of the most common FAQs that readers have about using the Empower app for cash advances.

Can You Trust the Empower App?

Yes, Empower is a legitimate and safe app that has excellent ratings in the Google Play and Apple app stores. You can read reviews from thousands of subscribers who are happy with the service that Empower provides.

Additionally, Empower is a US-based company (headquarters in California) with US phone and email support.

How Long Does It Take to Get an Advance from Empower?

According to Empower’s website, 98% of instant cash advances arrive within 15 minutes, often faster.

They do caution that it could take up to two (2) hours to receive an instant fund request.

For a standard cash advance, it can take up to five (5) business days however most borrowers will get their funds within one (1) business day.

How Much Will I Qualify for with Empower?

At present, the average borrower qualifies for a cash advance amount of $140. Advance amounts range from $10 to $250 based on Empower’s eligibility criteria.

Why Did Empower Lower My Cash Advance?

Empower can change or lower your typical cash advance amounts based on any changes (they predict) in your ability to repay the advance. They will look over your bank account transaction history, repayment activity, drops in income, or increases in spending.

How Do I Use Empower With Cash App?

You can use Empower with Cash App and other virtual wallets and mobile payment platforms like Venmo.

• Log into your mobile payment service account.
• Link your Empower account by using your phone number and passcode.

The post Empower App Review 2026 appeared first on Millennial Money.

Most full-time gigs pay every couple of weeks or even once a month. If you wish you had something that paid more often (or just need a little influx of cash between paydays), consider starting a side hustle in your spare time.

Side hustles don’t require a specific schedule, and you determine what you want to do and your earning potential.

Check out my roundup of the best side hustles that offer same day pay to help you reach your financial goals.

Top 20 Side Hustles that Pay Daily

1. Make Deliveries with DoorDash
2. Complete Tasks with TaskRabbit
3. Take Online Surveys
4. Get Paid to Shop with Shipt
5. Drive for Uber
6. Try Secret Shopping
7. Be a Tutor
8. Lawn Care and Landscaping
9. Donate Plasma
10. Restaurant Server
11. Proving Moving Services
12. Operate Vending Machines
13. Make Extra Money with InboxDollars
14. Create an Online Course
15. Become a Freelance Writer
16. Window Cleaning Service
17. Pet Care
18. Start a Consulting Business
19. Flip Items
20. Snow Removal Service

1. Make Deliveries with DoorDash

DoorDash is a popular side hustle that pays daily. With DoorDash, you set your own schedule and choose the deliveries you want to make. You’ll mostly deliver food from restaurants, but in some areas, you may deliver items from convenience stores.

Dashers must be at least 18 years old and pass a background check. Fortunately, DoorDash isn’t specific about your vehicle as long as it’s reliable. In some areas, you can even ride a bike or scooter to deliver for DoorDash.

DoorDash typically pays weekly, but you can request Fast Pay once per day. It costs $1.99 per transfer. DoorDash also offers DasherDirect, a prepaid Visa, that Dashers can receive immediate (and free) direct deposits after each delivery. There’s no credit check to get approved, but you must be an active Dasher. As a bonus, Dashers using DasherDirect automatically receive 2% cashback on gas at any gas station.

Learn More:

• Read our full DoorDash Driver review

DoorDash

:

Earn extra money and make your own schedule by delivering food with DoorDash.

Start Driving Now

2. Complete Tasks on TaskRabbit

AVERAGE PAY: $19 – $30/hour

Taskers, as they call people who do side hustles on TaskRabbit, complete odd jobs for people. You advertise your services on TaskRabbit, and when people hire you, TaskRabbit handles all administrative work, including payments. TaskRabbit keeps a small portion of your earnings, but you leverage their large audience and can charge what you think is fair for the job.

Common tasks on TaskRabbit include home repairs, furniture assembly, moving, home cleaning, and personal assistant tasks.

TaskRabbit typically pays within 24 hours of receiving payment for a job you completed. While they pay daily for side hustles, the money can take up to five days to reach your bank account.

3. Take Online Surveys

AVERAGE PAY: $1 – $20 per survey (varies)

Taking online surveys is one of the most entertaining side hustles that pay daily. What other side hustle would pay you to give your opinion?

However, that doesn’t mean this side hustle doesn’t require work. To qualify for online surveys, you must pass screeners, which are questions you answer to determine if you meet the demographic needs of the survey. You may take a handful of screeners before qualifying, but you’ll get paid for providing your opinion when you qualify.

Popular online surveys include Survey Junkie, Swagbucks, and Branded Surveys.

When taking online surveys, read the fine print. Some companies have minimum thresholds you must reach before you cash out, so while you get paid daily for your surveys, receiving the funds may take a while.

FreeCash

:

With FreeCash, you get paid to take surveys, complete tasks and play games, it's that simple. There are low thresholds for payouts and they are fully transparent.

Get Started

4. Get Paid to Shop With Shipt

AVERAGE PAY: $20/hour

Shipt shoppers grocery shop for customers. It’s a fun side hustle that pays daily while also providing the opportunity to get out of the house.

Shoppers work through the Shipt app to accept customer orders. When you accept an order, you go to the grocery store the customer shopped at online and shop the order. After checking out (with a prepaid card), you deliver the groceries to the customer’s doorstep.

Shipt pays shoppers a flat fee for each order, plus you keep any tips the customer pays. Shoppers can request payouts daily, but only once per day and for a small fee. Otherwise, you can wait for the weekly direct deposit on Fridays for no charge.

5. Be an Uber Driver

AVERAGE PAY: $19.27/hour

Uber offers two opportunities for side hustles that pay daily; you can drive people to their destinations or deliver food from restaurants with Uber Eats. The good news is if you’re an approved Uber driver, you’re automatically approved to drive for Uber Eats. This allows you more opportunities to earn cash daily. You can work the other to pick up the slack when one service is slow.

To be an Uber driver, you need a reliable car, proper car insurance, a background check, and, of course, you must have a valid driver’s license.

Uber offers the opportunity to collect pay instantly through Instant Pay. You can request payment up to six times daily for $0.85 per transfer, sending the funds to a debit card.

Uber (Driver)

Price: FREE

Driving for Uber can be a great way to earn some extra cash, especially in major cities where we've seen drivers earn up to $50 per hour.

Become a Driver

6. Try Secret Shopping

AVERAGE PAY: $18/hour

Secret shopping is another fun side hustle that pays daily. As a secret shopper, you are an independent contractor for companies that need information about their stores or specified displays. You may be tasked with taking pictures, purchasing a product (with reimbursement), or reporting back on the store’s cleanliness.

To be good at secret shopping, you must be able to notice small details, have good time management skills, and provide well-written responses about what you discovered while on the task.

7. Be a Tutor

AVERAGE PAY: $16 – $50/hour

Tutoring is a great side hustle that pays daily, especially if you tutor in person. Typically, you need either a teaching degree or adequate experience in the subject you tutor. The requirements vary whether you work for a company like VIPKid or advertise your services in your local area, meeting students at the library or local coffee shop.

If you tutor in person, you get paid on the spot and have cash daily. But if you tutor for a company online, you must follow their pay structure, which may mean receiving direct deposits weekly unless they offer instant pay options.

8. Lawn Care and Landscaping

AVERAGE PAY: $18/hour

Landscaping is a fun side hustle that pays daily. If you love being outdoors and are great at caring for lawns and landscaping, you can make good money helping people in your area.

You can advertise your services via flyers or your social media pages to advertise your services. Make sure you are specific about what you offer, such as cutting lawns, planting flowers, pruning bushes, or yard cleanup.

If you advertise your services yourself, request payment upfront or at least a deposit to get paid immediately, and then again when you complete the task.

9. Donate Plasma

AVERAGE PAY: $50 – $75 per appointment

Donating plasma is a great way to earn daily but without much work. You’re also helping people in need. Plasma helps trauma patients and people with certain diseases, so your side hustle also helps people who need you.

To qualify to donate plasma, you must be at least 18 years old, weigh at least 110 pounds, and pass a thorough medical exam to ensure you’re in good health the first time you donate. Each subsequent time, they’ll run quick medical tests, including taking your temperature and pulse to ensure your vitals are within the acceptable range to donate.

Most plasma donation centers pay you immediately for your donation on a prepaid debit card that you can use anywhere a Visa or Mastercard is accepted.

10. Restaurant Server

AVERAGE PAY: $16/hour

Local restaurants and bars are always in need of good help. You don’t have to get an official part-time job at a restaurant to be a server. You can offer your services as a side hustle, filling in when restaurants are short or even working special events.

The nice thing about serving in restaurants is you earn an hourly wage plus customer tips, which you get immediately if they are cash. If your customers pay with a credit or debit card, you typically get your tips at the end of the night when you close your sales.

11. Provide Moving Services

AVERAGE PAY: $18/hour

You can get paid for moving or junk removal services if you have a truck and big muscles. While you can look for a job doing this, doing it as a side hustle can be more lucrative. First, you choose when and where you work and decide how much you’ll charge, which is great when looking for side hustles that pay daily.

Advertise your services with flyers and on your social media pages to let the local area know what you do. You can also use sites like Neighbor or TaskRabbit to get more business.

12. Operate Vending Machines

AVERAGE PAY: Up to $3,000/month

Owning and operating vending machines is one of my favorite side hustles that pay daily because they don’t require much work. Once you find a business or area to set up your vending machine, your only job is to ensure it remains stocked and to cash out the earnings.

You can cash out as often as you want, including daily, but to minimize your trips, you may want to limit it to weekly when you check on the stock.

13. Make Extra Money with InboxDollars

AVERAGE PAY: $0.10 to $5

InboxDollars is a get-paid-to-site that is a great side hustle in your free time. On the site, you get paid to take surveys, play games, read emails, and shop online. I love it because you can diversify your efforts and make more money.

To make money shopping online with InboxDollars, you must shop through their portal, but you get to shop at your favorite stores like Walmart and Target and get paid to do it!

InboxDollars currently pays a $5 bonus for new sign-ups, and you earn money for each task daily. The only downside is you need $30 before you can cash out your earnings.

InboxDollars

Sign Up Bonus: $5

With InboxDollars, you take surveys and earn cash, it's that simple. You can even earn by watching tv!

Start Earning Now

14. Create an Online Course

AVERAGE PAY: $1,000 – $10,000/year

Creating an online course is a great side hustle because you do the work once and then can sell the course as many times as people will buy it.

You don’t have to be certified to teach an online course. All you need is the passion and knowledge to effectively teach a subject and a platform to do it. Teachable and Udemy are two popular user-friendly platforms with a large audience to sell your courses.

You’ll earn money each time someone purchases your course. However, each platform pays at different intervals. For example, Teachable pays its creators once per month.

15. Become a Freelance Writer

AVERAGE PAY: $24 – $50/hour

Freelance writers make money daily by offering their writing services to small- to mid-sized businesses. They can write blog posts, email copy, ad copy, or even eBooks.

Freelance writers usually work as ‘ghostwriters,’ which means the company purchasing the content can publish it in their name or any name they wish.

To be a successful freelance writer, you need adequate knowledge of the niche you’ll write for and good grammar skills. You can advertise your services on sites like Fiverr or Upwork and get hired by companies within their large audiences, or you can start your own side hustle and do your own marketing.

16. Window Cleaning Services

AVERAGE PAY: $20/hour

Window cleaning services are a great side hustle that pays daily. Because there’s such little overhead for window cleaners, you have high profit margins, putting more money in your pocket.

You can offer services cleaning residential or business windows. Since window cleaning is a project-based business, you’ll get paid immediately when providing your services, allowing you to earn daily pay when you run your side hustle.

17. Pet Care

AVERAGE PAY: $2,500 – $4,000/month

Pet sitting, dog walking, and waste removal are all great side hustle pet services you can offer to get paid daily. Pet owners often need outside help caring for their pets while they are away or even daily walking services while they are at work.

Sites like Rover and Wag make it easy for pet sitters and dog walkers to advertise their services. You pay a small fee in exchange for using their site; however, they have large audiences, making it easier to find daily work.

18. Start a Consulting Business

AVERAGE PAY: $35 – $50/hour

If you specialize in a specific industry, you can offer consulting services outside your standard work hours. The nice thing about consulting is that you choose which projects you’ll handle, how much you’ll charge, and the turnaround time.

To do this, be sure you aren’t violating any conflict of interest at your full-time job and that you offer a detailed description of the services you’ll offer. You can advertise your services on LinkedIn, Fiverr, and Upwork.

Fiverr

:

Fiverr is one of the top platforms for finding freelance gigs for around the world. Sign up now for free!

Sign up with Fiverr

19. Flip Items

AVERAGE PAY: $3,000 – $4,000 a month

Flipping items is one of the best side hustles that pay daily because you get to have fun hunting for items and then ‘flip them’ for a profit.

Some flipping requires you to fix the items up, such as furniture, but this allows more room for profits. Others, like retail arbitrage, mean you find great deals, like clearance items, and sell them for full price online.

You can make money on the side by flipping items you have at home. Once you get good at it, head out to flea markets, Goodwill, and local stores to snag more deals.

20. Provide Snow Removal Services

AVERAGE PAY: $20 – $30/hour

If you live in an area with heavy winters, consider offering snow removal services. You can do this with only a shovel and some warm winter gear or purchase a plow to put on your truck.

If you use a shovel, you’ll stick with residential snow removal, but if you have a plow, you can make even more money plowing parking lots of commercial buildings.

FAQs

Finding the right side hustle can be challenging. Here are some of the most frequent questions people have about daily paid side hustles.

Do All Gig Economy Jobs Offer Daily Payouts?

Not all gig economy jobs offer daily payouts. Read the fine print to see if they do and what they charge. Most daily payouts aren’t free, with a few exceptions, like DoorDash, so be sure you know what it will cost to ensure it’s worth it.

Can I Do Multiple Side Hustles That Pay Daily Simultaneously?

You can do as many side hustles as you can handle – there’s no limit. However, only take on what you can handle and provide great customer service. Many of the side hustles that pay daily rely on tips. The better service you provide, the more money you’ll earn.

Can I Make a Sustainable Income With Daily Paying Side Hustles?

Daily side hustles can pay well if you diversify your efforts and frequently work them. However, if you only work them in your free time, consider the funds supplemental income instead of adequate enough to cover the bills.

How Can I Manage My Finances Effectively With Daily Payouts?

Tracking your earnings is important because you must report them on your tax returns. Use automated software like Quickbooks to ensure you have an adequate record of your income and expenses.

How Can I Market My Services for Side Hustles That Pay Daily?

You can use many websites like Fiverr, Upwork, and TaskRabbit to advertise your side hustles. However, you can also advertise yourself using your social media pages or old-fashioned flyers in the neighborhood.

How Do Taxes Work for Daily Paying Side Hustles?

Like regular income, you must report your side hustle income. Since you won’t receive a W-2 as an independent contractor, you must report the income on Schedule C of your 1040.

The post 20 Side Hustles That Pay Daily appeared first on Millennial Money.

While it may sound difficult, making $1,000 a month in passive income is possible! It takes creativity, time, and effort; but once you get started, you’ll find it easier and easier to continue earning passively.

The methods below can help you effortlessly make $1k or more every month. Find something that speaks to you and combine multiple strategies to reach your goal of earning $1,000 in passive income monthly.

9 Ways To Make $1,000 in Passive Income Every Month

1. Use Rewards Credit Cards
2. Purchase Government Bonds
3. Create a CD Ladder
4. Invest in Crowdfunded Real Estate
5. Invest in REITs
6. Peer-to-Peer Lending
7. Rent a Room or House
8. Rent Your Car
9. Start a Blog

1. Use Rewards Credit Cards

Effort Level: Low

Many credit cards offer hefty rewards for using them. If you’re applying for a new credit card, many offer sign-up bonuses, plus you earn cashback when you spend money. Look for rewards credit cards that offer the highest rewards for the type of shopping you do. For example, if you have a large family and do a lot of grocery shopping, find a credit card that pays well for groceries.

You can mix and match the credit cards you use if you’re organized and can handle paying the balances in full each month. Otherwise, find a credit card with the highest rewards for most of your shopping and enjoy the cashback rewards.

How to reach $1,000: Find great sign-up bonuses and mix them with cashback rewards on your most frequent purchases.

2. Purchase Government Bonds

Effort Level: Low

Government bonds are low-risk investments. You lend money to the government in exchange for interest. I series bonds currently pay 5.37% APY and mature in 30 years. You can cash them in after 12 months if needed, but you will pay a penalty worth three months of interest if you withdraw before you own the bonds for five years.

Bonds are a great way to diversify a portfolio, especially if you invest in the stock market. You can balance your portfolio with bonds to reduce the risk and give yourself a liquid investment should you need funds fast. While you won’t have $1,000 in your hand in each, the accrued interest increases your net worth.

How to reach $1,000: Invest capital in bonds and let the interest accrue. For maximum earnings, avoid withdrawing funds before five years.

3. Create a CD Ladder

Effort Level: Low

CDs or time deposits are deposits at a local or online bank. You deposit the funds for the set term and earn interest on your deposit. The interest is fixed and can be as high as 5% or more, depending on the term, how much you deposit, and the bank.

You can create a CD ladder if you don’t want to tie up all your funds long-term. This means you split up your deposit between multiple CD terms. When a term matures, you can withdraw the funds or reinvest them. This works great when interest rates increase because you can reinvest the matured funds into another CD and earn even more money. But the money remains liquid, should you need it.

Use caution in the terms you choose, though. Most banks charge investors an early withdrawal penalty if you liquidate the CD before it matures.

How to reach $1,000: Split up your deposits between various CD terms and continually reinvest to reach your goals. Avoid withdrawing funds early so you don’t lose money.

Featured CD - Raisin (up to 4.05% APY)

Signup Bonus: up to $1,500

Lock in high interest rates on your savings from a bank on the Raisin platform. Their cds comes with no minimum deposit and could be beneficial as rates begin to slide on high yield savings accounts.

Learn More

4. Invest in Crowdfunded Real Estate

Effort Level: Low

If you’ve always wanted to invest in real estate but don’t want the active involvement owning rental properties requires, consider real estate crowdfunding. This opportunity allows you to invest in commercial real estate with other investors. You can invest as little or as much as you want in each investment, diversifying your risk and earning a prorated return on each investment.

How to reach $1,000: Diversify your capital across many properties to reduce the risk of vacancies or defaulted rent, and you’ll reach your goal of $1,000.

5. Invest in REITs

Effort Level: Mid

Real estate investment trusts are another way to invest in real estate, and you don’t have to own any property physically. When you invest in REITs, you invest in a company that owns the real estate, usually commercial properties. They buy, manage, and sell properties; you own a share of the company.

REITs pay as much as 90% or more of their profits. Investors earn a prorated amount of the earnings based on their investment. It’s a great way to experience commercial real estate investment returns without all the work, helping you reach your $1,000 monthly passive income goal.

How to reach $1,000: Do your research and find a REIT with a positive experience in providing your desired returns. Look for REITs that diversify across several industries to avoid a total loss if things don’t go as planned.

6. Peer-to-Peer Lending

Effort Level: Mid

Peer-to-peer lending lets investors invest in consumer loans. Keep in mind that these are usually loans for people who can’t get approved for bank loans, so they are somewhat riskier. However, that’s the excitement because they pay higher yields than other investments, especially if you have a high risk tolerance.

Lending Club and Prosper are two popular peer-to-peer lending websites. They do all the work for you, which is why this is a mid-level effort passive income idea. Your job is to peruse the available loans and research their grade levels, interest rates, and earnings. To maximize your returns, diversify your capital across many loans.

How to reach $1,000: Diversify your capital across many loans so you have some almost ‘guaranteed’ income and some money earning higher yields to help you reach your goal.

7. Rent a Room or House

Effort Level: Mid to High

Renting an extra room or vacation home is one of the best ways to learn how to make $1000 a month in passive income. If you have the room, you can make money. All you need to do is ensure it’s ready for your tenants and provide the desired amenities. However, it’s also your responsibility to vet applicants, collect rent, and maintain the property or room.

How to reach $1,000: It’s easy to reach $1,000 a month by renting an entire home or a room. You set the rent based on market rent, and if you have a continuous flow of tenants, you can reach your goals.

8. Rent Your Car

Effort Level: Mid

If you have an extra car or don’t use your car often, you can rent it on sites like Turo. This marketplace matches people who need a car to rent with car owners. You set the rate and terms of the rental and earn good money renting your car while it sits idle.

Turo provides $750,000 in liability insurance and handles all the paperwork and administration, including vetting renters. Your job is to list your car, keep it in good condition, and make it accessible when you have renters.

How to reach $1,000: The more you make your car available for rent, the more you earn. The average Turo host makes $10,516 yearly with a single car to rent.

9. Start a Blog

Effort Level: High

If you are passionate about a particular topic, consider writing a blog about it. Even though millions of blogs already exist, there is always room for more. The key is to find your niche and focus on that target audience. For example, don’t write a blog about parenting; instead, find a niche within it, such as parenting teens or parenting children with ADHD. You can hyperfocus on your audience and get more views.

When you build a solid audience, you can monetize your blog by using affiliate links. These are exclusive links from retailers or brands for your blog. You earn a small commission when your readers click the links and purchase something. You may also be able to write sponsored posts, which brands pay you to write and share.

How to reach $1,000: Blogging takes regular effort to build an audience, but once you have that audience, your marketing efforts and affiliate links can continue to pay you, helping you reach $1,000.

Passive Investing Tips to Make $1,000 a Month

If you’re considering investing to make $1,000 a month in passive income, the name of the game is diversification. Even if one investment tanks, you may have others in your portfolio that offset it.

• Due your due diligence: Only invest in assets you know are legit and have a positive history. Don’t take someone’s word that they found ‘the best’ investment. Do your research, and if it seems too good to be true, it likely is.
• Know minimum balance requirements: Some investments have minimum balance requirements. If you can’t meet them, you may not be eligible, or you may be eligible but at a lower yield. Read the fine print and ensure you have the necessary capital.
• Watch the fees: Great investments may not seem great after reading the fine print. Know how much an investment will cost before investing. There may be commission fees or annual assets under management fees. Calculate what they will cost to determine if the investment is worth it.
• Watch your asset allocation: Your initial investment portfolio won’t stay the same as the market performs. Over time, you may find that you are more heavily invested in stocks than you wanted or that your portfolio is too conservative. Reallocating your portfolio to reach your goals is important, and if you don’t want to do it yourself, consider using a robo-advisor that offers automatic rebalancing.
• Know your risk tolerance: No two investments have the same risk. Know what you can afford to lose or what investments won’t keep you worrying at night. Diversifying across conservative and aggressive investments is ideal, but only if you can handle the risk.

J.P. Morgan Self-Directed Investing

Limited Time Offer: up to $1,000 Bonus

Get unlimited commission-free trades on ETFs, stocks and options.

For a limited time, earn up to $1,000 through J.P. Morgan when you open and fund a new J.P. Morgan Self-Directed Investing account.

Claim Your Bonus

What’s the Best Way to Earn $1k a Month in Passive Income?

So, how do you choose the best way to make $1,000 a month in passive income? Just like you should diversify your portfolio, you should diversify your passive income efforts.

Don’t rely on one method; you likely won’t reach your goal. Instead, spread your capital and time across as many methods as possible without burning yourself out. Many of the techniques described here require little to no effort so that you can spread yourself out well.

If you choose passive income opportunities that require some work, like renting a property or car, make sure you have the time to give adequate attention and effort to maximize your earnings.

Don’t choose passive income ideas that make you uncomfortable or require capital you don’t have. There are many simple ways to earn passive income, even if you start with something small, like a CD ladder.

The post How To Make $1,000 a Month in Passive Income appeared first on Millennial Money.

Creating a passive income is a great way to reduce dependence on your full-time job. And learning how to make $500 a month in passive income doesn’t have to be as overwhelming as it sounds. With a little effort, you can build a $500/month passive income, then sit back and watch your earnings grow.

The best way to consistently make $500 a month in passive income is to diversify your efforts. So, I’ve shared 5 effective ways to add extra money to your bank account each month.

How to Make $500 in Passive Income Every Month

1. Stock Market Investing
2. Sell Digital Products or Courses
3. Invest in Real Estate
4. Earn Interest on Your Cash
5. Start a Side Hustle

1. Stock Market Investing

The stock market may seem intimidating if you’ve never invested, but there are many ways for beginners to jump in and enjoy the stock market returns.

Here are some ways to make $500 in passive income investing in stocks or ETFs:

• Dividend stocks: Dividend stocks pay shareholders a percentage of the profits, usually monthly or quarterly. These stocks typically aren’t growth stocks, so you won’t see them skyrocketing. But growth stocks are risky because they can bottom out at any time.
• Common stocks: If you don’t want to worry about dividends and would rather focus on capital gains, consider common stock investments. You can use a robo-advisor like Robinhood for commission-free trading and suggestions on how to reach your financial goals.
• ETFs: If you prefer a hands-off method to investing, consider a robo-advisor that invests in ETFs. For example, Acorns invests your spare change in a portfolio of ETFs that cover an entire index.

Robinhood

:

Robinhood makes investing simple with their mobile app. You'll also trade commission-free, and can start building your portfolio with just $1. Use our link to earn up to $200 in free stock.

Start Investing Today

2. Sell Digital Products or Courses

If you’re creative, consider creating and selling digital products or teaching digital courses. This requires initial effort, but once you create the products or course, you can sell them as many times as people buy them.

• Sell digital products: You can create many digital products, such as planners, cards, journals, flyer templates, or other marketing materials. Sites like Etsy or eBay are great for listing your products. You’ll share a percentage of your sales but can leverage their large audience.
• Teaching courses: If you know a topic well, consider teaching it and putting it on a platform like Teachable. You can sell it to as many students as you want to take your course. There are courses on everything from how to take pictures to how to file your taxes. Find an underserved niche and create courses that help students achieve their goals.

Both digital products and courses offer opportunities for upselling to increase your earnings. Whether you offer a subscription for updated products or one-to-one coaching for your courses, you can continually add to your offerings to increase your passive income earnings.

3. Invest in Real Estate

You should consider investing in real estate to consistently make $500 a month in passive income. There are many ways to reach your goal with real estate investing, whether you want to own real estate yourself or invest with others and not have the responsibility of managing the properties.

• Crowdfunding: Real estate crowdfunding enables you to invest in commercial real estate with a mere fraction of its costs. Many platforms like Fundrise allow you to invest with as little as $10 per investment, so it’s easy to diversify your capital and gain the desired returns.
• REIT: Real estate investment trusts (REITs) are commercial real estate investing companies. These companies own commercial real estate and manage and sell them. Your investment is in the real estate company itself. You’re at the mercy of their investing decisions, but if you do your due diligence, you may earn much more than $500 a month in passive income from the real estate investments.
• Real Estate Syndication: You can also join forces with other real estate investors in a real estate syndication, kind of like a partnership. You and your partners choose the investment strategy, including how you’ll own and manage the properties to earn $500 a month in passive income.

4. Earn Interest on Your Cash

Investing cash may not seem like a way to earn much, but if you do it right, you can earn $500 a month in passive income.

Here are some simple ideas to get started:

• High-yield savings accounts: HYSAs are a great way to earn $500 a month in passive income. Today’s high-yield savings accounts pay as much as 5% or more. You’ll find the highest yield accounts online, which is good because accessing your cash and needlessly spending it is harder. Just make sure you choose banks that don’t charge monthly maintenance fees.
• CDs: Certificates of deposit are a great way to invest cash and earn high yields. Banks offer CDs with terms as short as one month and as long as ten years. Choose the term you can invest your money and leave it since most banks charge an early withdrawal penalty of as much as three months of interest or more. You can also try a CD ladder, which means you split up your capital across CDs of various terms. When the CD matures, you can withdraw the cash or reinvest it.
• Bonds: Government bonds are another way to invest cash conservatively. The returns they offer are lower than the stock market but virtually risk-free. You can purchase I bonds with a yield of 5.27% through April 2024, as rates change every six months. You can cash them in after 12 months, but it’s best to wait five years to avoid the three-month interest penalty.

5. Start a Side Hustle

A side hustle requires some effort from you to start producing income, but once you get it going, it takes on a life of its own. I love this method because you have more control.

Here are some of my favorite side hustles to help you make $500 a month in passive income.

• Blog: Create a blog on topics you know a lot about and use good SEO practices. When you rank high in Google, you’ll get a larger audience and can add affiliate links to your blog, earning you a commission when your readers click on your links and purchase something.
• Stock photos: If you have photography skills, consider selling them on sites like Shutterstock and iStock. You upload the pictures once but can sell them as many times as people will buy them, earning you a commission on each sale.
• Write an eBook: If you have a lot to say, consider writing and selling an eBook with Amazon’s self-publishing tool. This is a great way to stake your claim to fame without going through the hassle of publishers’ rejection.
• Start a YouTube Channel: Like blogging, you can endorse products and earn money on YouTube, just without the need to write. YouTube also rewards accounts with a lot of views, but you’ll make the most money with sponsored ads, affiliate links, and brand deals.

Tips for Investing $500

Before investing $500, here are some key tips to consider:

Diversify: Split your capital across several investments. Don’t rely on a single investment to provide the $500 a month in passive income you desire. Diversifying ensures you don’t lose everything if one investment doesn’t perform as anticipated.

Use robo-advisors or financial advisors: Even if you only have $500 to invest, enlist the help of robo-advisors (many are free) or a professional advisor. You’ll learn how to best invest your funds to match your financial goals.

Watch the fees: Most investments have fees; if they are too high, they can eat into your profits. Look for investments with little to no commission and low asset under management fees if they charge them.

The post How to Make $500 a Month in Passive Income appeared first on Millennial Money.