How to turn 10k into 100k quickly

How can you turn $10k into $100k quickly?

In order to turn $10,000 into $100,000, you must think of your $10,000 as an investment. You can invest in assets, your business, or in products to flip for profit. For example, you can invest in real estate, initial public offerings, finding more clients, or flipping products on Amazon.

Here is how you can turn $10k into $100k:

• Investing in real estate
• Flip products on Amazon or eBay
• Advertising and getting clients
• Learning new skillsets
• Investing in initial public offerings
• Trading stock options
• Cryptocurrency investments
• Day trading
• Mutual funds or Exchange Traded Funds
• Dividend stocks
• Investing in a Roth IRA or 401k
• Real Estate Investment Trusts (REITs)
• Flipping websites
• Peer-to-Peer Lending
• Starting your own business
• Etsy shops
• Investing for the long-term

Imagine earning your first $100,000 before you turn 30. Nothing stops you from making $1,000,000 if you can make $100,000.

Reaching your first $100,000 is the hardest thing to do when investing.

Luckily for you, I’m going to show you that it is possible to turn $10,000 into $100,000. I’ll show you examples of how you can turn 10k into 100k. There are plenty of ways to multiply your money, but you only need one method.

Key Takeaways:

• Investing $10,000 into an investment that yields an 8% return would turn into $100,000 in 29 years.
• It’s easier to turn 10k into 100k with tax advantages, such as a Roth IRA or 401k.
• The faster you want to turn $10k into $100k, the more risk you’ll have to take on.

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Can you turn 10k into 100k?

It is possible to turn $10,000 into $100,000. Simply investing $10,000 into an investment that yields an 8% return would turn into $100,000 in 29 years. You can achieve results faster by increasing your initial investment or finding a higher-yielding investment.

As you can imagine, the only factors that matter are how much you invest and your returns over time.

Higher-yielding investments often carry more risk, and we only have so much money to invest. Therefore, balancing your risk and investment capital to meet your needs is essential.

Let’s assume you don’t want to wait 29 years to reach $100,000 from your initial $10K investment. You need to find more money or a better investment.

So let’s assume that you’re now starting with a $20,000 investment. Now it will take you 21 years to reach $100,000 at an 8% return on investment.

However, many of us can’t make cash appear out of thin air. You might need to find a higher-yielding investment.

Now let’s assume you’re investing $10,000 at a 12% return on investment. You will now reach $100,000 in 20 years. 

I will show you some higher-yielding investments to help reduce the timeline and multiply your money quickly.

Remember, the higher the investment yield, the riskier it can be. Higher-yielding investments often take more of your effort, but they often provide higher rewards.

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How can I turn 10k into 100k?

You need to focus on higher-yielding investments to turn $10,000 into $100,000. You can invest in assets, your business, or flipping products for profit.

For example, you can invest in real estate, initial public offerings, find more clients, or flipping products on Amazon.

There are plenty of ways to multiply your money. However, you should focus on one strategy and become good at it before adding another.

People tend to have focus issues, often referred to as shiny object syndrome. You never get anywhere when trying to do three different side hustles all at once. Spend your time getting good at multiplying your money in one area before moving on to the next.

Remember, most millionaires got rich by doing one thing and doing it well. It is only after millionaires get rich do they often diversify.

The best ways to turn 10k into 100k include:

• Investing in real estate
• Flip products on Amazon or eBay
• Advertising and getting clients
• Learning new skillsets
• Investing in initial public offerings
• Trading stock options
• Cryptocurrency investments
• Day trading
• Mutual funds or Exchange Traded Funds
• Dividend stocks
• Investing in a Roth IRA or 401k
• Real Estate Investment Trusts (REITs)
• Flipping websites
• Peer-to-Peer Lending
• Starting your own business
• Etsy shops
• Investing for the long-term

Let’s take a look at each method in more detail.

Invest in Real Estate

Investing in real estate has shown better returns than the stock market. As a real estate investor, you receive cash flow from rent payments and gains through home appreciation. Depending on the market, you can sell the property later for a substantial profit. 

For example, you could purchase a rental property for $0. Your bank lent you money to buy the property. You would have a downpayment to avoid PMI, but it isn’t a requirement.

Most importantly, you’ve determined the property will have cash flow. You don’t want to lose money on a property every month. You have done your due diligence and accounted for the property’s repairs and maintenance.

Investment Example

Let’s assume you purchased the property for $100,000. You use your $10,000 to spruce the property up, so the property is now worth $130,000. This concept is known as forced appreciation.

Homes typically appreciate around 4% per year. So by the end of the first year, your home value is now $135,200.

Let’s also assume your rent is $800 per month, but the mortgage payment is only $600. A portion of your mortgage payment is building equity, and you get $200 in cash flow every month.

Assuming $300 per month was built in equity, you are gaining $500 between cash flow and equity. Your total cash flow and equity is now $6,000 for the first year.

So how did we do for our first year?

Forced appreciation	$30,000
Normal appreciation	$5,200
Cash flow (rent)	$2,400
Equity	$3600
Income from all sources	$41,200
Renovation costs	-$10,000
Total Gain	$31,200

Not too bad! $31,200 of profit was made in your first year. Remember that this is only an example, and you’ll have to do your own research. Unexpected expenses might come up, which you would have to pay for, etc.

Cash-out refinance

You should also be aware of what a cash-out refinance is. A cash-out refinance allows you to refinance your rental property and get money back because the home value has appreciated. You can use the cash received to purchase another rental property.

In our example, the home appreciated by $35,200. You speak to your lender and refinance your first rental property. The bank adjusts your loan for property #1 and gives you $35,200 in cash. 

You can then use this cash to repeat the process and purchase another rental property. Every year, you purchase another rental property.

Flip products on Amazon or eBay

Flipping products for a profit on Amazon or eBay can help you double your money in less than 24 hours with the right product. Your goal is to find good deals on items at retailers that you can sell for profit on Amazon or eBay.

The first step is to download the seller app for Amazon or eBay. You hit up your local Walmart and find products that are selling for more on Amazon.

You buy the products, ship them to Amazon, and Amazon sends them out when they sell. Amazon will deposit the money in your bank account, leaving you to find more products.

Selling on Amazon and eBay takes a little bit to learn the ropes. However, you will make good money once you understand how to find good products. 

Personally, one of my favorite experiences selling on Amazon was when I found a certain dog treat. I was able to purchase the dog treats for about $2 and sell them for $10. I could not keep my inventory stocked because the products sold so fast.

Amazon takes a portion of the sale, and there are shipping costs. However, I was able to double my money through one item. There are plenty of opportunities for making money on Amazon.

eBay selling

In addition to flipping products on eBay, you can make tens of thousands of dollars through eBay selling items like:

• Furniture
• Electronics
• Memorabilia
• Collectibles
• Kits
• Clothing
• Car parts and more

But to earn $100k through eBay selling, you’re not going to want to start finding stuff around the house to sell unless you have some highly valuable collectibles lying around your home!

To earn higher, more consistent cash on eBay, build your own eBay selling business by selling items for other people.

Start with friends, family, and neighbors, and tell them that you will sell any of their unwanted items for a fee. Don’t be afraid to ask for 50% of the selling price or more, as this amount will make eBay selling worth your time and help you reach your $100k goal faster.

Many people are willing to offload their items to you to forgo the hassle of listing them on eBay or getting them out of their way. If they make a little cash in the process, it’s like a cherry on top.

To make this business proposition even more compelling, offer to pick up the items from your new customers’ homes. This makes the process easy on them, allowing you to move quickly to gather and list items in one fell swoop.

eBay selling is an easy business to grow because people will refer you for a job well done. Then, whenever they have extra items, they’ll call you up for a pickup!

It costs nothing to start this business, as long as you have an internet connection, a computer or mobile device with app capability, and a phone or camera to capture photos.

Amazon FBA

Many report earning $100,000 quickly and easily in their first year of operating a business through Amazon FBA.

Amazon FBA, which stands for Amazon Fulfillment by Amazon, allows people to operate their storefronts on Amazon.com without having to ship orders and deal with customers on their own.

The seller’s only responsibility is to find items to stock in the store, then send those items to Amazon to hold onto until the item sells.

This allows sellers to use the built-in audience and credibility that Amazon has already built and that most e-commerce stores cannot compete with alone.

The best way to earn money is to buy products at:

• A discount from warehouse stores
• Stores closing or filing for bankruptcy
• Stores that just happen to have a great sale on an item in high demand.

Then, you list those items on Amazon FBA at a higher price.

Using the Amazon scanner tool available for Amazon Sellers, you can scan item barcodes to see if:

a) The item is available on Amazon (if it’s not, score! You’ll have a niche)

b) See what it’s selling for. This will allow you to determine your potential profit and decide if an item is worth selling through Amazon FBA.

Advertise and find clients

You can also spend $10,000 on Advertising yourself to acquire more clients. The more clients you have, the more money you’ll make. The more money you make, the sooner you reach your $100,000 goal.

For example, you might be a freelance writer. You currently charge a rate of $0.10 per word and have five clients. These clients only bring in 10 articles per month for an average of $2,000.

You can write 30 articles per month, so an extra 20 articles might bring in another $4,000. In total, your monthly income would increase to $6,000.

It is always easier to get clients to come to you.

Therefore, you spend $10k on advertising and have a good supply of paying clients. You make an additional $48,000 yearly because you brought in more clients.

In the first two years, you make an additional $86,000 ($38k in year one because of ad costs). Therefore, you will make your first $100,000 mid-way through year three.

Invest in yourself

You can never go wrong spending money on educational resources to improve your knowledge. The more you learn, the more you earn. People that become wealthy know how to make money and then put forth the effort to make money.

Education is the foundation for any path to wealth. Invest in courses, books, podcasts, or any other resource that helps you learn to make money.

You don’t even have to spend $10,000 on educational resources. There are plenty of free options, such as the library, YouTube, and blogs.

Honestly, you’re only one piece of knowledge away from making a lot of money. You could purchase an options trading course, and everything just clicks. Take that knowledge, apply it, and build wealth.

Invest in an IPO

Initial public offerings are often risky Investments. IPOs are new to the stock market and typically see rapid growth or decline. Purchasing the right company at the right price can rapidly multiply your money.

For example, Shopify had an initial public offering price of $25. Five years later, the price of Shopify skyrocketed to $825, and it’s still growing.

You would have $330,000 in five years if you invested $10,000 in Shopify’s IPO. Your first $100,000 would have been made in only four years. 

Trading stock options

You can make $100,000 in a month by trading stock options.

Stock options trading involves buying or selling options – which is the option or right to purchase a stock or asset at a fixed price by a specific time – on a public exchange.

Call options allow the option owner to buy, and Put options will enable the option owner to sell the stock option based on whether it is going up or down in value. When a stock price decreases, a put option increases, but when a stock price increases, a call option increases, too.

In layman’s terms, you’d purchase a call option if you believe the stock price is going to increase, and you’d buy a put option if you think the stock price is going to fall, all over a specific time by a particular date.

Some people make a lot of money off trading stock options, such as 27-year-old Henry, who teaches people how to trade stock options through his YouTube Channel.

Henry sells put options and reports earning more than $144,000 in 30 days.

The risk in trading stock options is very high, but so is the reward.

You can trade whenever the stock market is open, which doesn’t necessarily make it ideal for people who want a side hustle to turn their $10k to $100k quickly, because you won’t be able to work outside of business hours for the most part.

The other downside to trading stock options is that you’ll need to do a lot of upfront research to understand the risk versus reward. You can lose money as quickly as you make it with stock options trading.

In addition, you will be held responsible for capital gains taxes on the amount you earn through trading stock options. The amount ranges based on your tax bracket but is usually around 15 percent.

Crypto

Investing in crypto is one way to turn $10k into $100k quickly, but cryptocurrency is also a risky endeavor.

Cryptocurrency is any digital currency, such as Bitcoin, Ethereum, or Solana, that can be transacted online through a decentralized system that verifies and records these transactions as opposed to a central location, like a bank.

This process makes it nearly impossible to counterfeit or spend twice.

Cryptocurrency increases and decreases in value, unlike the United States dollar, when pitted against other foreign currencies.

Though cryptocurrency isn’t traded through the stock market, it tends to follow the S&P 500, meaning when stocks fall, so does cryptocurrency, since many crypto buyers treat the coin as an investment.

Since it rises and falls in value (sometimes dramatically), cryptocurrency investors can profit from significant gains caused by volatility. Cryptocurrency is a limited asset, so its value behaves like other things that are in short supply or scarce.

You must purchase cryptocurrency through a cryptocurrency exchange or a traditional broker.

The key to investing in cryptocurrency and making a lot of money off of this investment is to find little-known coins that are still relatively cheap and wait for their value to increase by at least ten times.

For example, if you invest $10,000 into crypto coins and buy them at just two cents a piece, then wait for the value of that coin to go up by ten times to 20 cents per coin, you’d now have $100k in crypto that you can cash out.

Of course, the challenge is in understanding when to sell.

Like with stock trading, your investment could be worth significantly less if you cash in your cryptocurrency just a day too late. Set a price point goal that you want to reach, and then remove your investment once you reach it.

Cryptocurrency is volatile as it is still a relatively new way to invest money, so understand what you’re getting yourself into before spending your $10k.

Day trading

Day trading is more accessible thanks to apps such as Robinhood, Fidelity, and Webull. And, with $10,000 in capital for trading, it is possible to turn that cash into $100,000 quickly.

Day traders spend time while the stock market is open to buy and sell securities to turn a quick profit. But you’ll need a solid understanding of the market, behavioral finance, and a high degree of focus to succeed in this risky money-making endeavor.

Day traders have to square off their investments by the closing of the market each day, as opposed to letting those positions stretch on for multiple days.

Because you’ll be making so many trades in a day, most online platforms will charge hefty fees for this service, so do your research to find a platform that offers what you need at a minimal cost.

To day trade on an app like Robinhood, you’ll need more than $25,000 in your account if you want to make more than three weekly trades. Start with your 10k investment, and begin with the trade limit to build your portfolio to 25k.

The key to day trading is to profit from the small price changes that occur within an asset. Therefore, you’ll need a large amount of capital to leverage to make the trade worth it.

This is risky because you could lose money and go into debt trying to make it back on future intraday trades. 

Be sure to understand day trading strategies before attempting your own day trading. Strategies for making money off day trading include:

• High-frequency trading involves using algorithms to take advantage of small market inefficiencies
• News-based trading involves paying careful attention to current events that could impact market prices and create opportunities for short-term gains
• Range trading, which uses support and resistance levels to inform trading decisions
• Scalping, which makes small profits multiple times as prices fluctuate throughout the day

Mutual funds or ETFs

While it takes more time, investing in mutual funds or ETFs is the most fool-proof way to make $100,000 from a $10k investment, historically speaking.

Mutual fund and ETF investment returns typically follow the S&P 500, which has a historical rate of return of approximately 10.5% since its inception in the late 50s. While markets fall and grow and recessions come and go, on average, mutual funds and ETFs earn their losses back over a period of time.

A mutual fund is a grouping of investments that could include stocks, bonds, money markets, and other securities managed by a professional for a nominal fee.

This pooling of money allows investors to diversify their portfolios and hedge risk.

An ETF is an exchange-traded fund, similar to a mutual fund, in that it is a pooled investment. However, ETFs can be traded on the stock exchange just like any other stock, meaning these funds are bought and sold all day. Mutual funds only are traded once per day, post-market closing.

With either of these fund options, the Rule of 72 applies because both earn compound interest. The Rule of 72 is a calculation that allows you to approximate the amount of time it will take to double your investment by dividing 72 by the rate of return.

So, if you invest $10,000 today and the rate of return is 20 percent, it will take you 3.6 years to double that money to $20,000. If the rate of 20 percent continues, it will take approximately 11 years.

In investment terms, 11 years is a fairly short amount of time to earn $90k in compound interest. 

Dividend stocks

Dividend stocks offer investors a payout when the company that they’re invested in profits. These payouts can add up or grow quickly, depending on the type of dividend being offered, helping you turn $10k into $100k at a quicker clip than regular stocks alone.

Dividends can be paid in cash, in more stock, or in dividend reinvestment programs that reinvestment the dividend into discounted company stock.

Stocks that pay dividends offer an additional income stream to investors and often outperform stocks that don’t pay dividends.

Typically, high-growth companies like new tech companies won’t offer dividends to shareholders because they need to invest any profit back into the company to keep it growing.

So, you are more likely to find dividend stocks within big, established companies like Disney, Exxon, and Target.

However, you don’t have to take the risky step of investing in single stocks to profit from dividends. There are dividend ETFs and mutual funds that will allow you to invest in companies that offer quarterly or annual dividend payouts while keeping your portfolio diversified and risk-managed.

Roth IRA or 401k

The best part about turning $10k into $100k quickly inside a Roth IRA or 401k is that you get a considerable tax advantage when you take that money back out (no capital gains or additional taxes). The downside is that you can’t use the money until you’re of retirement age, or you will face steep penalties.

Roth IRA and 401k are two types of tax-advantaged retirement accounts, the former of which is usually set up by an individual and the latter of which is generally managed by a person’s employer.

Individuals can put up to $6,000 of post-tax money per year into a Roth IRA, which may continue to grow at a historical rate of return of 10.5% per year. Any money earned in that investment is tax-free, meaning you won’t have to pay a dime on it when you withdraw it at retirement age.

The benefits of a 401k are even more remarkable because you can put as much as $20,500 into this account annually. This gives you even more money to grow tax-free in your retirement account if it’s a Roth 401k. If it’s not a Roth, you’ll deposit untaxed cash into this account and be taxed on the money when you withdraw it at retirement age.

This also reduces the amount of money reported on your tax return, lowering your taxable income for the year.

REITs

A REIT, or a real estate investment trust, is an organization that owns and finances various types of real estate to generate profit for investors in that trust. REITs trade on the stock exchange like a stock, mutual fund, or ETF.

REITs allow you to turn $10k into $100k without buying a home, apartment, hotel, cell tower, or commercial property. This allows you to maximize your investment and profit from the real estate market even though you only have $10k to spend.

REITs earn money through leases, rent, and property sales. While dividend stock companies can decide how much they want to pay out to shareholders, REITs must pay 90% of their income to shareholders.

Historically, REITs have earned more money for shareholders over the past 50 years than traditional stocks and bonds, so you’ll grow your 10k investment faster this route than, say, if you invested in mutual funds alone.

To invest in a REIT, just look for one on the major stock exchanges just as you would another stock or ETF. If you’re unsure how to read the figures, consult a financial planner who can help you choose the most appropriate REIT for the amount of time you’re planning to let the money grow.

Flipping websites

You can easily and quickly turn $10,000 to $100,000 by buying and flipping websites.

This process involves:

1. Purchasing a website or domain for a set price
2. Making that website more valuable
3. Selling it to the highest bidder for a profit

To flip a website, buy a domain name and build a website on that domain. The website can be a blog, an e-commerce store, or something that will drive traffic to that site and rank high in search engines.

Or, buy a site that’s already in existence. This is more expensive, but it also works.

Some websites are as cheap as a thousand bucks, but building niche websites of your own can cost as little as $50, so you’ll have more room in your $10,000 budget to do this more often.

Over the next few months, find a niche for which you can build up a target audience. Generate traffic to your site by ranking high in search engines or prove that the site can generate income by attracting sales through e-commerce.

Once you’re satisfied with the website’s value and think that there’s a market for it, list the site on online site selling platforms such as Flippa or use marketplaces like eBay.

Some people report earning as much as $12,000 per site in a matter of months. Do that ten times, and you’ve quickly turned less than $10k into $100k.

Peer-to-peer lending

Peer-to-peer lending, also known as social lending, P2P lending, or crowd lending, allows you to lend your money to someone else through an online platform that better protects your investment and connects you directly to people who need a loan.

That loan is then repaid by the borrower with interest, often earning far more than a savings account or certificate of deposit over a known and specific time.

The person lending the money can decide the amount of risk they want to take by choosing an interest rate (the platform will have tiers) and reviewing the applicant’s need and credit worthiness. Then, the lender makes the applicant an offer, and the applicant gets to choose which offer to go with based on what suits them best.

Peer-to-peer lending allows investors to manage their risk but get better rates of return while allowing borrowers to obtain a loan without going to a bank.

The more sketchy the borrower’s credit history, the more you’ll earn on interest as an investor. The less risk you take by choosing borrowers with good credit, the lower amount of interest you’ll earn.

Starting a business

Starting a business of your own is a great way to invest $10k and grow it into $100,000 eventually, but this route requires dedication, hard work, and, often, long hours.

Entrepreneurship is not for everyone, but it can be rewarding to own and operate your own business.

Starting a business also offers a job that has longevity if the business is successful. It also allows you to provide work for other people, which can be gratifying.

How quickly your $10k grows to $100,000 will depend on your chosen business, but here are a few inspirational examples of entrepreneurs who started companies that became wildly successful.

Spanx

Sara Blakely started the women’s shapewear company Spanx by taking an inexpensive pair of women’s nylons and cutting off the feet to use as a control top underneath her clothing. She was so motivated by how well the nylons worked as shapewear that she invested $5,000 from her savings to start the company. She generated $4 million in her first year in business.

Hewlett-Packard

Bill Hewlett and David Packard started the tech giant Hewlett-Packard company in their garage with just $538. They began by making audio oscillators, which became a massive computer company over the next several decades. Hewlett-Packard is now worth more than $38 billion.

Subway

Fred Deluca started his first Subway sandwich shop using a $1,000 loan from a friend-turned-business partner. In its first decade, Deluca opened 32 stores. The company is still privately owned and is worth more than $15 billion today.

Businesses you can start for less than $10,000 include:

• Daycare center, which earns approximately $1,000 to $5,000 per month
• Landscaper, which earns approximately $2,000 to $5,000 per month
• Bookkeeper, which earns approximately $3,000 to $4,000 per month
• Photographer or Videographer, which earns approximately $3,000 to $6,000 per month
• Dog walker and dog sitter, which earns approximately $1,500 to $3,000 per month
• Personal trainer, which earns approximately $2,500 to $7,500 per month
• Estate sale manager, which earns approximately $2,000 to $5,000 per month

Etsy shops

Etsy shops, like eBay and even Amazon, are a great way to sell products to a captive audience without needing much capital.

With $10,000, you can easily start an on-demand printing business to sell items on Etsy like t-shirts, mugs, custom welcome mats, embroidered items, candles, and more. $10,000 should easily fund your equipment costs to get started.

And Esty has relatively low fees for sellers, so you won’t have to be worried about using a third-party platform that dips into your profits.

Getting started on Etsy takes just minutes.

Invest for the long haul

Lastly, investing for the long haul is the best way to turn $10,000 into $100,000. Investors who buy and hold have historically seen positive returns. Typically, most successful investors invest in low-risk index funds. 

Investing can be as easy as purchasing a simple S&P 500 Index Fund. Vanguard makes an S&P 500 fund called VOO, and it’s cheap to hold.

Most people these days are not a fan of buy-and-hold investing. People want wealth now and not years down the road. However, building wealth takes time, and buy-and-hold investing is one of the most proven ways of achieving wealth.

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How long to turn $10k into $100k

The time it takes to turn $10 to $100k will depend on the risk you take and how hard you work.

If you’re investing $10k into traditional brokerage accounts with moderate to low risk, expect it to take approximately 22 years to grow to $100k at a historical rate of return of 10.5%.

If you decide to start a business selling products through Amazon FBA, users have reported earning $100,000 in less than 12 months.

Finally, the highest risk investment practices in strategies such as stock or crypto trading can net you $100k in less than 24 hours.

What is the best way to turn $10k into $100k

The best way to turn $10k into $100k is through investing in a Roth IRA or company-sponsored 401k if you consider risk versus reward.

It is very rare for people to lose their entire $10k investment if they put it into a diversified stock portfolio, though it takes more time to recover from stock losses this way.

However, factoring in how quickly one can lose their entire investment, even if it grows fast, allows us to eliminate investment strategies such as cryptocurrency, day trading, and other risky ventures as the best possible options for growing $10k to $100k.

Investors should also consider taxation and how growing money from $10k to $100k can impact their taxes due at the end of the year. Investing into a tax-advantaged account such as a 401k or a Roth IRA allows money to grow tax-free, meaning you get to keep more of your money when it comes time to use it than if you had faced capital gains taxes for that income otherwise. 

Summary: How to turn 10k into 100k

As you can see, it is possible to turn $10,000 into $100,000. You have to balance risk and reward if you want to be successful. Focus on higher-yielding investments, but make sure you do your due diligence before investing.

The best ways to turn 10k into 100k include:

• Investing in real estate
• Flip products on Amazon or eBay
• Advertising and getting clients
• Learning new skillsets
• Investing in initial public offerings
• Trading stock options
• Cryptocurrency investments
• Day trading
• Mutual funds or Exchange Traded Funds
• Dividend stocks
• Investing in a Roth IRA or 401k
• Real Estate Investment Trusts (REITs)
• Flipping websites
• Peer-to-Peer Lending
• Starting your own business
• Etsy shops
• Investing for the long-term