37 Ide Penghasilan Pasif yang Terbukti Menghasilkan $1000+ Setiap Bulan

Pengungkapan: Postingan ini dapat menerima kompensasi dari mitra yang terdaftar melalui kemitraan afiliasi, tanpa biaya apa pun kepada Anda. Hal ini tidak memengaruhi penilaian kami, dan opini tersebut merupakan pendapat kami sendiri. Pelajari lebih lanjut di sini.

Warren Buffett yang terkenal pernah berkata:

“Jika Anda tidak menemukan cara untuk menghasilkan uang saat Anda tidur, Anda akan bekerja sampai Anda mati.”

Tidak ada seorang pun yang ingin bekerja seumur hidupnya, bukan?

Itulah mengapa penting untuk membangun aliran pendapatan pasif.

Dan dalam artikel ini, saya akan menunjukkan kepada Anda 37 ide penghasilan pasif terbaik.

Saya menemukan ide penghasilan pasif ini dari:

• Mewawancarai 453+ jutawan
• Menginvestasikan waktu dan uang saya
• Menghabiskan 11 tahun mempelajari keuangan
• Bekerja di bidang manajemen kekayaan selama 7+ tahun
• Berbicara dengan 300.000+ pengikut media sosial saya
• Menjalankan blog keuangan pribadi saya selama 4+ tahun

Mari selami!

Dalam artikel ini

Berapa Banyak Penghasilan Pasif yang Dapat Anda Hasilkan?

Jika Anda melakukan upaya awal untuk membangun bisnis pemasaran afiliasi, Anda bisa mendapatkan penghasilan pasif sebesar $5.000+ per bulan.

Atau jika Anda membuat portofolio dividen, Anda bisa mendapatkan tambahan $2.000+ per bulan.

Berapa penghasilan Anda dari aset pasif sepenuhnya terserah Anda.

Berikut beberapa faktor yang menentukan berapa banyak penghasilan yang dapat Anda peroleh:

• Usaha Anda
• Kesabaran Anda
• Konsistensi Anda
• Investasi moneter awal Anda
• Waktu yang Anda habiskan untuk menyiapkan aset pasif ini

Kenyataannya, Anda dapat memperoleh penghasilan sebanyak atau sesedikit mungkin dari sumber penghasilan pasif Anda.

Mulailah membangun berbagai aliran pendapatan lebih awal untuk memetik manfaatnya di kemudian hari.

Mendapatkan penghasilan pasif sangat penting untuk mengisi kesenjangan yang tampaknya tidak dapat diatasi oleh pekerjaan rutin Anda dari jam 9 hingga jam 5.

Oleh karena itu, berikut adalah ide penghasilan pasif terbaik di tahun 2024:

1. Berinvestasi di Rumah Sewa

Peringkat MMW

Dinilai 4,6 dari 5

Investasi Rumah Sewa

Fleksibilitas

10/10

Investasi di Muka

Minimal $100

Komitmen Waktu

Minimal

Pro

Dapatkan penghasilan pasif setiap triwulan

Kontra

Your money is locked up for long periods of time

Best Resource

Tiba di Rumah

Dengan rekor inflasi yang tinggi, aktivitas pasar saham yang bergejolak, dan melonjaknya nilai real estat, mungkin masuk akal untuk mulai berinvestasi di rumah sewa. 

Inilah alasannya:

• Anda berinvestasi untuk jangka panjang
• Anda sedang membangun aliran pendapatan pasif
• Anda berinvestasi pada aset yang mengalami apresiasi
• Anda terlindungi dari volatilitas pasar saham

Dengan asumsi Anda tidak keberatan uang Anda dikurung selama 5 hingga 7 tahun, maka Anda mungkin ingin mulai berinvestasi di rumah sewa dengan Arrived Homes 👇

Arrived Homes menawarkan properti di seluruh Amerika Serikat, mulai dari Colorado hingga Carolina.

Dengan Arrived Homes, Anda dapat berinvestasi dalam properti sewaan hanya dengan $100, dan Anda tidak perlu mengelola properti (atau penyewa!) sendiri.

Kelemahan dari Arrived Homes menurut saya adalah biayanya.

Anda dikenakan biaya minimal 1% setiap tahun dari aset yang Anda kelola, ditambah mungkin juga biaya lainnya (seperti biaya pengelolaan properti). 

Namun, jika Anda bertanya kepada saya apakah saya ingin membeli dan mengelola properti saya sendiri dibandingkan berinvestasi di Arrived Homes hanya dengan $100 agar orang lain mengelola segalanya untuk saya – saya akan melakukannya Arrived Homes kapan saja. 

Bacaan yang Direkomendasikan:Ulasan Rumah Tiba

2. Berinvestasi dalam REIT Swasta

Peringkat MMW

Dinilai 4,8 dari 5

Berinvestasi di REIT Swasta

Fleksibilitas

8/10

Investasi di Muka

Minimal hingga Tinggi (tergantung Anda)

Komitmen Waktu

Minimal

Pro

Dapatkan penghasilan pasif dengan berinvestasi di REIT swasta. REIT mengelola properti dan penyewa untuk Anda. REIT juga digunakan untuk mendiversifikasi portofolio investasi

Kontra

Biaya tinggi, periode lock-up yang lama, dan terkadang struktur REIT swasta sedikit membingungkan

Sumber Daya Terbaik

Pengumpulan Dana

Inilah kesempatan Anda untuk mendapatkan penghasilan pasif dan tidak berurusan dengan penyewa. 

Bagi Anda yang menyukai:

• Real estat
• Mengumpulkan penghasilan pasif

…Tetapi jika Anda tidak suka berurusan dengan penyewa dalam kapasitas apa pun, Anda harus mempertimbangkan untuk menjadi investor REIT. 

Jadi, apa itu REIT?

Anda dapat menginvestasikan uang Anda dalam aset pasif seperti REIT (seperti di pasar saham), dan REIT menangani pengumpulan uang sewa, menangani penyewa, memelihara properti, dll.

Yang Anda lakukan hanyalah mengumpulkan sebagian dari uang sewa yang dihasilkan REIT.

Jika Anda perlu menarik uang Anda lebih awal, Anda mungkin dikenakan denda dan biaya tambahan, sehingga REIT umumnya merupakan investasi yang baik untuk investor jangka panjang. 

Di bawah ini adalah daftar pro dan kontra investasi REIT:

Kelebihan Kontra

Mudah dibeli

Uang biasanya terikat

Sumber penghasilan pasif

Biasanya biaya pengelolaan tinggi

Perlindungan terhadap inflasi

Risiko biasanya spesifik pada properti

Diversifikasi portofolio yang baik

Harga real estat dapat berfluktuasi

Dapat mengungguli keuntungan pasar

Tidak dapat mengurangi penyusutan real estat terhadap penghasilan Anda

REIT bisa menjadi sangat menarik karena sering kali berfungsi sebagai lindung nilai (alias perlindungan) terhadap volatilitas pasar saham (seperti resesi).

Lihatlah grafik di bawah ini:

Meskipun rata-rata keuntungan tahunan perusahaan real estat swasta juga menurun selama resesi, seperti Resesi Hebat pada tahun 2008, nilainya tidak turun sebesar penurunan saham (seperti yang diilustrasikan di atas). 

Jadi, jika Anda menginginkan salah satu peluang penghasilan pasif terbaik, Anda mungkin ingin mempertimbangkan REIT. 

REIT dapat berinvestasi di berbagai sektor perumahan, termasuk:

• Hotel
• Perawatan kesehatan
• Pusat ritel
• Panti jompo
• Gedung perkantoran
• Gedung apartemen

REIT adalah ide pendapatan sekunder yang luar biasa karena Anda memperoleh pendapatan pasif tanpa benar-benar bergerak. 

Ada 2 jenis REIT:

• Diperdagangkan secara publik
• Diperdagangkan secara pribadi

Perbedaan antara keduanya adalah REIT yang biasanya diperdagangkan secara publik tersedia bagi siapa saja di pasar saham, sedangkan REIT yang diperdagangkan secara swasta sering kali memiliki strukturnya sendiri, yang biasanya lebih kompleks (dan terkadang lebih menguntungkan).

Salah satu platform investasi real estat terkemuka dikenal sebagai Fundrise.

Investasi real estate sering kali hanya dilakukan oleh perusahaan-perusahaan kelas atas.

Bagian keren dari Fundrise adalah Anda tidak harus menjadi sangat kaya untuk mengambil bagian dalam investasi real estat. 

Dengan Fundrise:

• Siapa pun dapat berinvestasi
• Anda hanya perlu $10 untuk mulai berinvestasi
• Anda dapat menghasilkan uang, terutama dalam jangka panjang

Berinvestasi di REIT swasta seperti Fundrise akan memberi Anda yang terbaik dari kedua hal tersebut: 

• Risiko yang relatif rendah
• Relatively above-average return

Lihatlah grafik ini:

Diagram ini menunjukkan perbandingan Fundrise (REIT swasta) dalam hal volatilitas  (the amount of risk you take) and returns  (how much you earn on your investment).

Diagram tersebut menggambarkan bahwa:

• Properti swasta biasanya memiliki risiko yang lebih kecil dibandingkan saham
• Real estate swasta bisa menghasilkan keuntungan lebih tinggi dibandingkan saham

Apakah ini berarti Anda harus terjun langsung ke dalam kesepakatan REIT swasta?

Mungkin tidak. 

Pastikan Anda melakukan riset terlebih dahulu sebelum berkomitmen secara finansial.

Bacaan yang Direkomendasikan:Tinjauan Fundrise

3. Berinvestasi di Pasar Saham

Peringkat MMW

Dinilai 4,9 dari 5

Investasi Pasar Saham

Fleksibilitas

10/10

Investasi di Muka

Minimal

Komitmen Waktu

Minimal

Pro

Anda dapat menghasilkan banyak uang dalam jangka panjang dengan sedikit atau tanpa kerja

Kontra

Anda bisa kehilangan uang jika Anda memilih saham atau jika Anda menjualnya saat resesi

Sumber Daya Terbaik

Keuangan M1

Dari semua strategi pendapatan pasif, berinvestasi di pasar saham adalah suatu keharusan. 

Inilah alasannya:

• Ini adalah permainan jangka panjang
• Jika Anda masih muda, waktu akan berpihak pada Anda
• Ini berhasil jika Anda terus berinvestasi secara konsisten
• Anda tidak perlu bekerja keras untuk berinvestasi

Apalagi jika Anda masih muda, sebaiknya mulai berinvestasi sekarang.

Itu sebabnya saya merekomendasikan berinvestasi secara konsisten, dalam jangka waktu yang sangat lama – misalnya beberapa dekade. 

Sebagai contoh, berikut cara mulai berinvestasi:

• Otomatis berinvestasi 2x sebulan
• Otomatis berinvestasi pada dana investasi yang telah ditentukan
• Investasikan sejumlah $100 untuk setiap transaksi otomatis (dengan asumsi Anda mampu melakukannya)

Strategi investasi ini juga dikenal sebagai dolar cost averaging (alias DCA).

Karena strategi DCA bersifat otomatis, maka menghilangkan emosi manusia dalam berinvestasi. 

Dan percayalah, Anda tidak ingin menjadi emosional saat berinvestasi. 

Seringkali kita bertindak berdasarkan emosi dibandingkan logika (seperti rasa takut saat pasar saham ambruk dan menjual saham alih-alih membeli lebih banyak saham karena secara teknis saham tersebut sedang “obral”). 

Bagaimana cara menghasilkan uang melalui investasi?

Ada beberapa cara investasi Anda dapat menjadi aset pasif:

• Anda mendapatkanbunga  dari obligasi Anda (lebih konservatif)
• Anda memperoleh dividen  dari saham Anda (lebih agresif)
• Saham dan/atau obligasi Anda mengapresiasi  nilainya dari waktu ke waktu

Pada kenyataannya, bunga dan dividen Anda adalah jenis pendapatan pasif yang sebenarnya. 

Anda menghasilkan uang melalui apresiasi modal (alias saham yang Anda beli seharga $100 beberapa tahun lalu kini bernilai $1.000 hari ini) hanya ketika Anda menjual saham dan/atau obligasi Anda. 

Ada banyak jenis sarana investasi yang berbeda Anda dapat menggunakan, termasuk:

• ETF
• Obligasi
• Saham
• Dana indeks
• Reksa dana

Secara pribadi, saya sangat percaya pada dana indeks – khususnya di dana indeks S&P 500.

Kabar baiknya adalah jika Anda tidak 100% nyaman dalam berinvestasi, pertimbangkan untuk melihat beberapa aplikasi investasi terbaik seperti M1 Finance.

M1 Finance, yang pada dasarnya adalah robo-advisor, menawarkan “kue” yang telah dibuat sebelumnya yang memberi Anda alokasi investasi yang telah ditentukan sebelumnya sehingga Anda tidak perlu melakukan riset atau pemikiran apa pun.

4. Berinvestasi dalam Seni Rupa

Peringkat MMW

Dinilai 4,4 dari 5

Investasi Seni Rupa

Fleksibilitas

10/10

Investasi di Muka

Minimal hingga tinggi (tergantung situasi Anda)

Komitmen Waktu

Minimal

Pro

Berinvestasi dalam karya seni biasanya mengungguli pasar saham, ini adalah cara yang bagus untuk mendiversifikasi portofolio Anda, dan Anda bisa mendapatkan banyak uang jika karya seni tersebut dijual untuk mendapatkan keuntungan

Kontra

Uang Anda sering kali dikurung selama 3 hingga 10 tahun, Anda membayar biaya tinggi, dan dunia seni biasanya tidak diatur

Sumber Daya Terbaik

Karya Agung

Salah satu ide penghasilan pasif favorit saya adalah berinvestasi pada seni rupa.

Biasanya, dunia seni secara eksklusif tersedia untuk dunia high roller, glitz, dan glam. Anda tidak sering mengasosiasikan seni rupa dengan Joe pada umumnya.

Di sinilah platform investasi seni rupa, Masterworks, menjadi pengganggu.

Masterworks adalah platform investasi seni rupa tempat:

• Anda dapat mendiversifikasi portofolio investasi Anda
• You can invest in fine art in just $20 increments
• You can invest in fine art ranging from $1 million to $30+ million

Alasan mengapa saya menyukai investasi seni rupa sebagai aset pasif adalah karena karya seni sering kali dianggap sebagai lindung nilai (alias perlindungan) terhadap penurunan suku bunga.

Here’s what I mean:

Indeks seni rupa (garis hijau) terus naik (berarti lebih banyak uang di kantong Anda), sedangkan garis merah (suku bunga) terus turun.

Karya seni juga bisa menjadi metode yang bagus untuk melindungi kekayaan bersih Anda secara keseluruhan dari naik turunnya pasar saham, seperti yang diilustrasikan oleh grafik korelasi di bawah ini:

Korelasi pada grafik ini menunjukkan bahwa ketika pasar saham turun (yang digambarkan dengan bilah Total Return S&P 500), pasar seni kontemporer tidak ikut turun.

Sekarang, Anda juga bisa mendapatkan banyak uang dengan berinvestasi di bidang seni – rata-rata, Anda bisa mendapatkan sekitar 14% per tahun, sedangkan pasar saham biasanya menghasilkan keuntungan antara 7% hingga 10% per tahun.

Meskipun berinvestasi dalam bidang seni sepertinya merupakan pilihan bagus, saya ingin Anda mempertimbangkan sisi negatifnya juga.

Ingatlah bahwa berinvestasi dalam seni itu berisiko:

• Biayanya biasanya tinggi
• Dunia seni tidak diatur
• Biayanya dapat membingungkan bagi investor baru
• Uang Anda terikat dalam jangka waktu lama (3 hingga 10 tahun)

Seperti yang selalu saya katakan, pastikan Anda melakukan riset sebelum menginvestasikan uang Anda. 

Bacaan yang Direkomendasikan:Ulasan Karya Besar

5. Pinjaman Peer-to-Peer

Peringkat MMW

Dinilai 4 dari 5

Pinjaman P2P

Fleksibilitas

5/10 (uang Anda terkunci)

Investasi di Muka

Hanya $10

Komitmen Waktu

Minimal

Pro

Anda dapat mulai berinvestasi hanya dengan $10, memperoleh penghasilan pasif, dan setelah jangka waktu tertentu, Anda juga bisa mendapatkan kembali investasi awal Anda

Kontra

Agak berisiko, pengembalian Anda tidak dijamin, uang Anda mungkin dikurung untuk sementara waktu, dan biayanya juga bisa sedikit mahal

Sumber Daya Terbaik

Lantai dasar

Pernahkah Anda bermimpi menjadi bank, alih-alih berhutang pada bank?

Kini Anda bisa melakukannya, dengan pinjaman peer-to-peer.

Sederhananya:

Anda meminjamkan uang Anda (sedikitnya $10) dan Anda memungut tingkat bunga di atas  mendapatkan kembali investasi awal Anda. 

Pikirkan P2P seperti ini:

• Anda adalah banknya
• You give out micro-loans to borrowers
• Anda menagih pembayaran bunga setiap bulan

Bicara tentang salah satu ide penghasilan pasif terbaik!

Jika pinjaman P2P terdengar seperti sesuatu yang Anda minati, pertimbangkan untuk memeriksa Groundfloor.

GroundFloor adalah platform P2P real estat yang memberi Anda (investor) kemampuan untuk mendanai pinjaman “mikro” (mulai dari $10) untuk pemilik rumah. 

Pinjaman Anda akan menjadi:

• Hasil tinggi
• Jangka pendek
• Hanya $10

Orang yang akan meminjam dari Anda (alias sirip rumah), akan menggunakan uang Anda untuk:

• Beli rumah fixer-atas
• Memperbaiki rumah
• Menyewakannya
• Jual

Ada berbagai jenis pinjaman yang dapat Anda ambil:

Jenis Pinjaman Risiko Kembali

Kelas A

Rendah

Rendah =~5%

Kelas G

Sangat Tinggi

Sangat Tinggi =~26%

Seperti yang Anda lihat, semakin tinggi risikonya, semakin tinggi pula keuntungannya.

Pendapatan pasif yang dihasilkan dari platform P2P bisa sangat menguntungkan, namun juga bisa sedikit berisiko.

Pastikan Anda melakukan riset terlebih dahulu – sebelum Anda mengalokasikan sumber daya Anda secara finansial.

6. Pemasaran Afiliasi di Twitter

Peringkat MMW

Dinilai 4,6 dari 5

Pemasaran Afiliasi Twitter

Fleksibilitas

7/10

Investasi di Muka

Minimal

Komitmen Waktu

Sedang hingga tinggi

Pro

Anda menghasilkan uang dengan berhubungan dengan orang-orang keren saat menggunakan media sosial

Kontra

Twitter bisa memakan waktu

Sumber Daya Terbaik

Penguasaan X

Jika Anda menyukai media sosial dan senang terhubung dengan orang lain, maka hasilkan uang di Twitter  mungkin terdengar seperti salah satu ide penghasilan pasif terbaik bagi Anda. 

Believe me, you can earn $1,000’s per month on Twitter.

Saya sendiri sudah melakukannya – dan saya akan memberi Anda alatnya agar Anda juga bisa melakukannya.

Twitter adalah platform yang sangat populer, menerima lebih dari 2 miliar pertanyaan setiap hari – dan semakin banyak orang yang menggunakan platform ini, semakin besar peluang bagi Anda untuk memperoleh penghasilan pasif.

Saya akan menunjukkan kepada Anda strategi yang saya gunakan untuk menghasilkan antara $1.000 hingga $2.000 per bulan di Twitter secara konsisten.

Berikut langkah-langkah yang dapat Anda lakukan:

• Rancang profil Twitter yang menarik secara estetis
• Buat konten konsisten yang memberi nilai tambah
• Berinteraksi dengan pemirsa Anda
• Bangun hubungan
• Mulai monetisasi

Pertama, saya fokus untuk mengembangkan pemirsa Twitter saya dengan menambahkan nilai pada kehidupan mereka melalui setiap tweet yang saya buat. 

Untuk meningkatkan jumlah pemirsa, saya mengikuti strategi dalam panduan ini:X Mastery .

Panduan ini mengubah pertumbuhan Twitter saya dari kehilangan pengikut setiap hari (saya tidak bercanda) menjadi mendapatkan lebih dari 100.000 pengikut dalam 1 tahun.

Anda tidak perlu membangun audiens media sosial hingga 100.000 pengikut seperti yang saya lakukan.

Berapa banyak uang yang Anda hasilkan di Twitter bergantung pada kualitas audiens Anda – dan bukan kuantitasnya.

Setelah saya membangun jumlah penonton, tiba waktunya untuk memonetisasi akun saya.

Di situlah saya menggunakan metode yang diajarkan di X Mastery kursus untuk mendapatkan tambahan $100 hingga $500+ per minggu.

Satu-satunya investasi lain yang dapat Anda lakukan adalah komitmen awal untuk berkembang dan berinteraksi dengan audiens Anda.

7. Menjadi Sirip

Peringkat MMW

Dinilai 4,5 dari 5

Membalik Item

Fleksibilitas

7/10

Investasi di Muka

Sedang hingga tinggi

Komitmen Waktu

Sedang hingga tinggi

Pro

Anda dapat menghasilkan uang dari hal-hal yang kebanyakan orang terlalu malas untuk mencari dan meningkatkannya sendiri

Kontra

Anda mungkin memerlukan sejumlah uang di muka untuk membalik produk, dan Anda juga perlu menginvestasikan waktu untuk menentukan di mana menemukan produk Anda untuk dibalik

Sumber Daya Terbaik

Sampah2Cash

Jika Anda suka membeli dan menjual barang baru atau bekas untuk mendapatkan keuntungan, Anda mungkin ingin mempertimbangkan untuk menjadi flipper.

Namun berhati-hatilah…

Banyak sirip pemula yang melakukan kesalahan dengan melakukan daripada belajar terlebih dahulu.

Untuk meminimalkan kerugian Anda, pertama-tama penting untuk mempelajari seni membalik dari sumber tepercaya seperti Trash2Cash.

Berikut beberapa contoh hal yang dapat Anda balikkan:

• Mobil
• Alat
• Rumah
• Domains
• Perabotan
• Peralatan

Dan masih banyak lagi.

Anda sebaiknya memahami harga pasar setiap produk yang Anda jual sehingga Anda dapat secara akurat mengidentifikasi dan membeli produk dengan harga rendah dan menjualnya pada titik harga yang menguntungkan. 

Apa yang saya sarankan di sini?

Penelitian!

Teliti industri Anda dengan hati-hati dan hati-hati agar Anda bisa keluar sebagai pemenang.

Jika Anda siap memulai perjalanan membalik dan ingin menghindari semua kesalahan pemula, pertimbangkan untuk memeriksa Trash2Cash .

8. Menjadi Penulis Lepas

Peringkat MMW

Dinilai 4,8 dari 5

Penulis Lepas

Fleksibilitas

10/10

Investasi di Muka

Minimal

Komitmen Waktu

Sedang hingga tinggi

Pro

Anda dapat menghasilkan $1.000 per bulan hanya dengan menulis dengan investasi minimal atau tanpa investasi di muka

Kontra

Mungkin perlu waktu untuk menemukan pekerjaan menulis, dan Anda mungkin harus menyempurnakan gaya menulis Anda

Saat masih di bangku sekolah, saya diajari bahwa untuk menjadi sukses, Anda harus bekerja di kantor, bekerja untuk atasan, dan bekerja dari jam 9 pagi hingga jam 5 sore. 

Di dunia sekarang ini, ajaran-ajaran tersebut sudah ketinggalan zaman (menurut pendapat saya).

Berkat teknologi, Anda dapat membangun berbagai sumber pendapatan, langsung dari kenyamanan rumah Anda. 

Faktanya, 31% penulis lepas memperoleh penghasilan $75.000+ setahun!

Berikut cara menghasilkan uang dengan menulis:

1. Temukan niche Anda
2. Latihan menulis setiap hari
3. Minta saran menulis
4. Promote yourself to customers

Ketika saya memikirkan tentang menulis lepas (dan menghasilkan lebih dari rata-rata gaji pekerjaan kantoran), saya pasti setuju. 

Faktanya, 60% pekerja lepas memperoleh penghasilan lebih besar dibandingkan saat mereka memiliki perusahaan.

Ada banyak keuntungan luar biasa yang didapat dari pekerjaan lepas, termasuk:

• Peningkatan kinerja
• Peluang kerja yang lebih baik
• Meningkatkan keseimbangan kehidupan kerja

Meskipun menulis itu sendiri bukanlah pendapatan pasif, Anda bisa mendapatkan royalti atau bentuk pendapatan lain yang dihasilkan langsung dari artikel yang Anda tulis, untuk tahun-tahun mendatang. 

9. Menjadi Tuan Tanah

Peringkat MMW

Dinilai 4 dari 5

Tuan Tanah

Fleksibilitas

4/10

Investasi di Muka

Sangat tinggi

Komitmen Waktu

Sedang hingga tinggi

Pro

Dapatkan penghasilan pasif dengan membebankan biaya sewa – dan minta penyewa melunasi hipotek Anda pada saat yang sama

Kontra

Anda 100% bertanggung jawab atas pemeliharaan, perbaikan, penanganan penyewa, dll. Jika Anda belum memeriksa penyewa dengan benar, mereka dapat menjadikan waktu Anda sebagai tuan tanah seperti mimpi buruk

Sumber Daya Terbaik

Tahan atap

Menjadi tuan tanah dan menghasilkan uang sampingan adalah salah satu ide penghasilan pasif terbaik – dan bisa dibilang paling populer. 

Dan, percaya atau tidak, saya juga pernah mencoba menjadi tuan tanah.

Saya menyukai pemikiran untuk mendapatkan penghasilan pasif sambil meminta bantuan penyewa untuk melunasi hipotek saya – kedengarannya seperti yang terbaik dari kedua dunia – tetapi ada beberapa tindakan pencegahan yang ingin Anda ambil sebelum Anda terjun langsung menjadi tuan tanah. 

Menjadi tuan tanah tidak selalu seksi:

• Anda memikul banyak tanggung jawab
• Sungguh merepotkan jika bekerja dengan penyewa yang enggan
• Dibutuhkan banyak waktu untuk menyaring penyewa Anda
• Komunikasi penyewa mungkin agak sulit
• Jika penyewa Anda mengalami masalah, Anda bertanggung jawab untuk memperbaikinya
• Jika Anda seorang introvert (seperti saya), akan sangat sulit untuk meminta sewa kepada penyewa

Anda juga harus bertanya pada diri sendiri:Berapa banyak usaha yang ingin Anda lakukan untuk menjadi tuan tanah?

Jika Anda…

• Tidak ingin berinteraksi dengan penyewa
• Ingin mulai mendapatkan penghasilan pasif
• Tidak ingin memeriksa, mewawancarai, dan mendaftarkan penyewa
• Siapkan sejumlah uang tunai untuk uang muka rumah

…Kemudian hentikan aktivitas Anda dan periksa Roofstock 👇

Roofstock adalah aplikasi yang memungkinkan Anda membeli rumah sewaan DENGAN penyewa yang sudah ada di rumah tersebut. 

Ini keren karena Anda memperoleh penghasilan pasif begitu Anda membeli rumah

Ini berarti Roofstock melakukan semua pekerjaan untuk Anda:

• Roofstock memeriksa penyewa
• Roofstock sudah memiliki perusahaan pengelola properti
• Roofstock mempersiapkan rumah agar layak huni bagi penyewa saat ini

Berikut beberapa properti Roofstock yang tersebar di seluruh Amerika Serikat:

Untuk setiap listingan rumah, Anda akan melihat bahwa Roofstock mencantumkan statistik penting, termasuk hasil kotor (jumlah pendapatan yang dapat Anda peroleh sebelum pengeluaran).

Dalam hal aset yang menghasilkan pendapatan, investasi real estat bisa menjadi pilihan bagus untuk membangun kekayaan dan mendiversifikasi portofolio Anda.

10. Mulai Blog

MMW Rating

Rated 4.9 out of 5

Ngeblog

Fleksibilitas

10/10

Investasi di Muka

Minimal

Komitmen Waktu

Sangat tinggi

Pro

Anda bisa mendapatkan banyak uang ($10.000+ per bulan) hanya dengan bekerja dengan mengenakan piyama, dari rumah

Kontra

Dibutuhkan waktu yang sangat-sangat lama untuk mulai menghasilkan uang di blog. Kita berbicara bertahun-tahun

Sumber Daya Terbaik

HostGator

Salah satu ide penghasilan pasif terbaik – praktis – adalah memulai sebuah blog . 

Anda bisa menghasilkan lebih dari $10.000per bulan  “hanya” dengan menjadi seorang blogger, bekerja dengan mengenakan piyama, dari rumah. 

Segalanya mungkin di dunia modern.

Anda dapat membuat blog tentang apa saja:

• Mobil
• Anjing
• Makanan
• Mode
• Keuangan
• Berkebun

Daftarnya terus bertambah.

Berikut beberapa cara menghasilkan uang dari blogging:

• Iklan
• Menjual jasa
• Menjual produk
• Pemasaran afiliasi
• Konten bersponsor

Tapi… hati-hati.

Blogging mungkin tepat untuk Anda, jika:

• Anda menikmati menulis
• Anda suka membuat konten
• Anda memiliki pola pikir jangka panjang
• Anda tertarik pada suatu subjek
• Anda baik-baik saja mengerjakan hal-hal teknis

Jika Anda masih di dalamnya, untuk memenangkannya – maka Anda harus mempertimbangkan untuk memulai blog Anda hari ini.

Saya berpikir untuk memulai blog saya pada tahun 2016 – dan tidak pernah melakukan apa pun. Saya berharap demikian (saya memulai blog saya pada tahun 2020). Bayangkan di mana saya akan berada jika saya memulai The Millennial Money Woman lebih awal. 

Lebih baik terlambat daripada tidak sama sekali, bukan?

Anda dapat mulai membuat situs dengan HostGator (saya juga menggunakannya!).

Saya menyukai HostGator karena (sejujurnya) saya memiliki kendala teknis, dan mereka memiliki kru layanan dukungan 24/7.

Saya tidak bercanda ketika mengatakan bahwa menurut saya tim dukungan teknis mereka mungkin pernah mengenal saya dengan nama depan saya, karena saya sangat membutuhkan bantuan mereka.

Keberhasilan Anda – atau kegagalan Anda – sangat bergantung pada seberapa banyak waktu, tenaga, dan komitmen yang Anda dedikasikan untuk blog Anda.

Namun, melihat ke belakang, blogging adalah upaya yang 100% sepadan.

11. Investasi Mikro

Peringkat MMW

Rated 4.9 out of 5

Investasi Mikro

Fleksibilitas

10/10

Investasi di Muka

Minimal

Komitmen Waktu

Minimal

Pro

Anda dapat menghasilkan banyak uang dalam jangka panjang dengan sedikit atau tanpa kerja

Kontra

Anda bisa kehilangan uang jika Anda memilih saham atau jika Anda menjualnya saat resesi

Sumber Daya Terbaik

Biji ek

Apakah Anda siap untuk mulai berinvestasi tetapi belum dapat menginvestasikan beberapa $100 atau beberapa $1.000 setiap bulannya – belum?

Tidak apa-apa.

Aplikasi investasi mikro Acorns bisa menjadi ide pendapatan pasif yang sempurna untuk Anda.

Aplikasi investasi Acorns akan menguntungkan Anda jika:

• Anda kesulitan untuk menghemat uang
• Anda tidak mampu menginvestasikan $100
• Anda menjadi stres bahkan saat memikirkan tentang investasi
• Anda ingin program ini melakukan investasi untuk Anda

Kedengarannya seperti kamu?

Kemudian pertimbangkan untuk mendownload aplikasi Acorns (dapat diunduh gratis) dan mulailah perjalanan investasi Anda hanya dengan $5. 

Berikut ikhtisar singkat Acorns:

Biji pohon ek

Investasi Minimum

$5

Minimum to Open an Account

$0

Investasi Otomatis?

Ya

Account Fees

$1, $3, atau $5/bulan

Inilah fitur Acorns favorit saya:  Fitur Round-Up, tempat Anda dapat menginvestasikan uang receh Anda.

Alasan saya menyukai aplikasi investasi seperti Acorns adalah karena aplikasi ini otomatis dan membantu Anda membangun kekayaan jangka panjang beberapa dolar sekaligus.

12. Membuat dan Menjual Kursus

Peringkat MMW

Dinilai 4,8 dari 5

Membuat dan Menjual Kursus

Fleksibilitas

8/10

Investasi di Muka

Minimal

Komitmen Waktu

Tinggi

Pro

Anda dapat menghasilkan banyak uang ketika pekerjaan Anda selesai untuk waktu yang lama

Kontra

Anda harus meluangkan banyak waktu (dan seringkali juga uang) di muka

Sumber Daya Terbaik

Dapat diajar

Salah satu ide penghasilan pasif terbaik adalah membuat dan menjual kursus Anda sendiri.

Faktanya, saya mempunyai teman baik yang membuat kursusnya sendiri dan mulai menghasilkan lebih dari $50.000per bulan !

Inilah cara Anda mendapatkan penghasilan pasif dengan menjual kursus:

• Ketahui keahlian Anda
• Bangun kursus Anda sendiri
• Promosikan kursus Anda

Jika Anda memutuskan untuk membuat kursus melalui platform terkemuka seperti Teachable, Anda harus melakukan upaya awal (dan mungkin uang).

Hal ini dapat berarti beberapa hal seperti:

• Menemukan ceruk unik
• Menggabungkan “model freemium”
• Selenggarakan kursus Anda bersama selebriti industri

…The ideas here are endless. 

Intinya adalah jika Anda ingin menghasilkan uang jangka panjang dengan menjual kursus Anda sendiri, Anda perlu membangun sesuatu yang detail, informatif, dan berbeda. 

Berikut adalah beberapa contoh kategori kursus:

• Berinvestasi
• Pekerjaan sampingan
• Pemrograman
• Perbaikan ponsel
• Pemasaran afiliasi
• Pengoptimalan mesin pencari

Anda tidak hanya ingin meluangkan waktu, energi, dan upaya untuk membuat kursus Anda, tetapi juga – jika tidak lebih – penting untuk mendedikasikan waktu, energi, dan upaya Anda untuk mempromosikan kursus Anda.

Cara termudah dan paling hemat biaya untuk mempromosikan kursus Anda mungkin melalui platform media sosial dan/atau daftar email Anda.

Ingatlah bahwa untuk menghasilkan pendapatan pasif secara konsisten, Anda mungkin harus memperbarui kursus Anda – atau bahkan mungkin harus membuat kursus baru.

13. Buka Rekening Tabungan Bunga Tinggi

Peringkat MMW

Dinilai 4,6 dari 5

Rekening Tabungan Bunga Tinggi

Fleksibilitas

10/10

Investasi di Muka

Minimal

Komitmen Waktu

Minimal

Pro

Anda bisa memperoleh lebih banyak bunga – hingga 10x rata-rata nasional – dengan rekening tabungan online hasil tinggi

Kontra

Sarana pendapatan pasif ini hanya boleh digunakan untuk dana tabungan darurat karena Anda memperoleh penghasilan lebih banyak di pasar saham, real estat, dll.

Sumber Daya Terbaik

Kismis

Saya punya trik untuk memberi Anda keuntungan lebih besar. 

Dan trik tersebut adalah salah satu ide penghasilan pasif yang paling mudah:Buka rekening tabungan online dengan hasil tinggi.

Inilah mengapa rekening tabungan dengan bunga tinggi lebih baik daripada rekening tabungan biasa:

• Diasuransikan oleh FDIC
• Akun cair
• Sangat mudah dibuka
• Ketersediaan nasional
• Suku bunga rata-rata nasional hingga 10x
• Lebih banyak uang tunai di saku Anda karena suku bunga yang lebih tinggi

With a high-yield savings account, you earn passive income on your emergency fund cash – without even moving a finger!

Seiring berjalannya waktu, pendapatan pasif yang Anda hasilkan dapat memberikan perbedaan yang cukup signifikan pada kekayaan bersih Anda .

Pertimbangkan untuk membuka rekening tabungan dengan hasil tinggi sekarang dengan Kismis (gratis).

14. Kumpulkan Hadiah Uang Kembali

MMW Rating

Dinilai 3,5 dari 5

Hadiah Uang Kembali

Fleksibilitas

10/10

Investasi di Muka

Minimal

Komitmen Waktu

Minimal

Pro

Earn a little extra money every time you shop at a partner store with cash back programs

Con

Not all of your favorite stores might be listed as a partner program with the cash back apps

Best Resource

Poin Saya

Cash back rewards programs are likely also a little out-of-the-box when it comes to the best passive income ideas, but these programs certainly do the trick. 

Here’s how cash back programs work:

You earn money by running your expenses through credit cards or other cash back rewards programs. 

Every time you spend money, you earn points (typically 1 point =1 cent). The amount of points that you earn depends on the type of cash back program you’re involved in. 

Some programs will give you 2% to 4% of the total purchase price in points (so if you bought something for $100, you get 200 points, aka $2).

You could spend money on:

• Hotels
• Airfare
• Groceries

As you spend money, you earn your points.

These points, in turn, could be:

• Converted into cash and sent to your checking account
• Used to pay off your credit card or other debt
• Paid toward other items or purchases

If you think that you might succumb to this – spending more to earn more cash back rewards – then I wouldn’t sign up to cash back programs.

15. Affiliate Marketing for Bloggers

MMW Rating

Rated 4.8 out of 5

Blogger Affiliate Marketing

Flexibility

10/10

Upfront Investment

Minimal to medium

Time Commitment

Very high

Pro

You can literally earn $1,000’s in your sleep

Con

It might take a lot of time and effort to see a successful affiliate marketing campaign

Best Resource

Making Sense of Affiliate Marketing

Affiliate marketing is a multi-billion dollar industry and you don’t have to be a genius to have a piece of the pie.

In fact, 80% of brands have affiliate programs, so you could become an affiliate partner for virtually any type of product or service, including industries such as:

• Food
• Travel
• Mode
• Finance 
• Education

Especially with COVID, staying indoors, and the push to work-from-home, more and more people are utilizing the internet to make purchases.

Currently, 16% of online orders come from the affiliate marketing industry – and that number is expected to continue increasing.

How do you actually make money through affiliate marketing? 

Here are some basic steps to start earning passive income:

• Find your niche
• Build a website with HostGator
• Consider building a social media following
• Add value to your audience with well-crafted content
• Market your affiliate products through your platforms

Promoting your affiliate products on your blog can be pretty effective because about 65% of affiliate marketers generate traffic just by blogging!

Being a successful affiliate marketer comes down to your level of consistency.

Affiliate marketing is passive income – with a twist.

That’s because you typically don’t make a lot of money right away. In fact, it often takes years of hard work (and $0) before you start seeing passive income generated. 

That’s because:

• It takes time to build an audience
• It takes time to build trust with your audience
• It takes time to be recognized as an influencer in your niche

When I first started my affiliate marketing journey, I had no idea what I was doing. 

That’s when I found out about one of the most effective affiliate marketing platforms – Making Sense of Affiliate Marketing, and bought this course myself.

If you’re new to affiliate marketing like I was, this course is perfect for those who are not yet comfortable in this area. 

After a few weeks of implementing the tips from the Making Sense of Affiliate Marketing course, I already saw more passive income from my blog!! (Ok, so we’re talking between $25 to $50 more – but when you’re starting affiliate marketing, that amount seems like a lot! ).

So, if you’re patient, consistent, and willing to put in the hard work upfront, then yes, affiliate marketing can be one of the best passive side hustles in the long run.

16. Become a Digital Designer

MMW Rating

Dinilai 3,5 dari 5

Digital Designing

Flexibility

10/10

Upfront Investment

Minimal

Time Commitment

Sedang

Pro

Make money/royalties by selling your digital artwork on major platforms

Con

You might spend a lot of time designing your artwork for little to no profit – if your work isn’t popular

Best Resource for Beginners

Canva

Have you ever dreamed of becoming a digital designer – and selling your products online for money?

Then you’ll love this passive income idea.

If you have a gift for:

• Working with technology
• Creating unique art
• Designing

…Then you might want to consider selling your digital designs on major platforms like Etsy or Fiverr. 

One of my favorite digital design platforms for beginners is Canva.

I use Canva to design this website and all of my social media profiles as well. 

It’s easy to use, intuitive, and you can make some pretty cool artwork with the tools that the website offers. 

Here’s a way to start making money by selling digital designs:

• Consider downloading design programs like Canva
• Open an account on platforms like Etsy or Fiverr
• Begin creating several digital designs on Canva
• Upload your digital creations

Once you have created and uploaded your digital design to Etsy (for example), you can start promoting your creations and products through social media, a blog, or you could even partner with a promoter.

Selling your digital designs is a great passive income idea because there is virtually no limit to the amount of money you can start earning.

17. Become an App Developer

MMW Rating

Dinilai 4 dari 5

App Developing

Flexibility

8/10

Upfront Investment

Minimal

Time Commitment

High

Pro

You make passive income for years to come through the sale of just 1 app

Con

You have to be skilled with technology, coding, and you have to put in a lot of time upfront

What’s cool about becoming an app developer is that you can create an app for just about anything.

Some popular app options include:

• App for kids
• Gaming apps
• Trading apps
• Traveling apps
• Educational apps

There’s more good news when it comes to developing your own apps:  A savvy technique that has worked in the past is using old apps, making them better, and then selling the improved app for money. 

If you’re completely new to developing apps (like me), there are a couple of different options you can pursue to build your first app.

Here are some ways to create an app:

• Learn how to code with Udemy
• Use an app development program
• Hire an app developer from Fiverr
• Partner up with someone who’s a programmer 
• Hire an app development consulting company 

Since I don’t live in Silicon Valley and probably won’t find a technical partner any time soon, I would probably rely on app-building software programs first.

Some popular app building programs include:

• AppyPie
• Appery.io
• AppSheet
• Zoho Creator
• Bizness Apps

While there is a very large time investment – and likely some sort of a financial investment – upfront, your app can generate passive income once it’s complete.

It’s up to you to decide how to make money from your app.

You could make passive income by:

• Using in-app adds
• Charging an upfront fee
• Using the “freemium” structure
• Charging a monthly subscription fee
• Incorporating affiliate links within the app

Just keep in mind that you’ll likely need to continue updating your app to keep up with the changing times. 

18. Get Paid to Advertise on your Car

MMW Rating

Rated 3 out of 5

Advertising on your Car

Flexibility

8/10

Upfront Investment

Minimal

Time Commitment

Minimal

Pro

It might take some time to find a willing advertiser and it’s not always fun to drive around town during peak traffic hours

Con

You may want to be diligent in selecting your tenants so that you won’t have any trouble once they live in your place

Do you travel by car? A lot?

Then, another one of the easiest passive income ideas is advertising on your car.

Here’s the short version of starting your car advertising career:

• Contact an agency 
• Agency evaluates your driving routes
• You’re paired with brands that match your driving routines

To make passive income while advertising on your car, you’ll probably have to contact an advertising agency that first analyzes your typical driving patterns. 

Once the agency has a better understanding of your routes, you will likely be provided with customized advice on how to increase your chances of successful advertising.

The companies will give you their logos to apply to your car for free. 

Imagine earning passive income while driving to work or driving to get the groceries.

I’m for it.

I would take the time to read through reviews, and possibly even interview past drivers to confirm whether the agency was, in fact, legit.

19. Rent out your Home for the Short Term

MMW Rating

Dinilai 4 dari 5

Renting out your Home

Flexibility

6/10

Upfront Investment

Minimal

Time Commitment

Minimal

Pro

You can earn passive income without having to do much upfront work

Con

You may want to be diligent in selecting your tenants so that you won’t have any trouble once they live in your place

If you want to make extra money without virtually doing anything, then renting out your home is one of the best passive income ideas.

We had an extra room in our home, so we decided to rent that out for the short term.

We earned extra money each month, used that passive income to pay off the mortgage, and we had an awesome tenant who paid on time.

Here is when you may want to rent out your home:

• You have a spare room
• You want to use up empty space
• You want to generate passive income
• You want to reduce the cost of monthly rent

If that sounds like you, then renting out your home as a passive asset could be a great secondary source of income.

Chances are, you’ll probably make more money renting out your home over the short term and  you’ll probably feel more comfortable than having someone live at your house for several months (or even years) at a time. 

Renting out your home is one of the easiest passive income ideas.

Some things to be aware of, before your tenants move in, include:

• Smoker Status
• Do they have kids?
• Do they have pets?
• Do they have a car?
• Do they need parking?
• How cold/hot do they like the temperature?

Believe it or not, I once had one roommate who preferred the temperature to be around 80°F. I’m someone who prefers temperatures about 10°F less…

To generate passive income, you’ll likely want to consider registering your property on websites like Airbnb .

Verbal agreements typically do not hold up, in a court of law (we’re talking worst-case scenario here).

20. Pay off Debt

MMW Rating

Dinilai 5 dari 5

Paying off Debt

Flexibility

2/10 (you have  to make payments on time)

Upfront Investment

Minimal

Time Commitment

Minimal

Pro

Pay off high-interest debt so you save money (and stress) in the long-term

Con

Paying off debt (or consolidating debt) won’t fix any underlying problems like overspending

Believe it or not, paying off debt  might be one of the best passive income ideas because you’re effectively freeing up your cash flow to invest in passive assets once your debt is paid off.

Did you know 80% of Americans are in debt?

If you have high-interest debt and don’t pay it off, your dreams of earning passive income may be crushed.

Mengapa?

Because most of your money may either be tied up in debt or is likely going toward paying off your debt.

There are 2 types of debt:

Bad Debt Smart Debt

High-interest debt (typically 10% interest or more)

Low-interest debt

Often used to buy depreciating assets (like cars or things you buy with credit cards)

Often used to buy appreciating assets (like business loans, mortgages, student loans, etc.)

In this case, we’re talking about bad debt.

Getting rid of debt should be a goal of yours that’s high on the priority list.

21. Invest in your Business

MMW Rating

Dinilai 5 dari 5

Investing in your Business

Flexibility

1/10

Upfront Investment

High

Time Commitment

Very high

Pro

You can build a passive income stream and protect your family financially for a very long time

Con

There is a lot of hard work, time, stress, energy, etc. required to build a business – and success still is never guaranteed

Do you ever dream of building your business empire?

If you said yes, then I would say with almost certainty that the best passive income idea, in this case, is to invest in your own business.

It’s not a surprise that the majority of millionaires are business owners.

In fact, 66% of millionaires are business owners.

Source:Thomas J. Stanley, The Millionaire Next Door

So, if you want to maximize your chances to build long-term wealth and generate passive income for years to come, then you should consider building and investing in your own business. 

Below are some tips to help you build a successful business:

• Find a niche
• Do your research
• Learn from a mentor
• Develop a unique brand
• Prepare to make sacrifices
• Build a strategic business plan
• Understand your business’s financials
• Learn how to acquire and retain customers

Of course, these are just some basic tips on how to build a successful business. 

There is so much more that goes into creating a sustainable and profitable business, and to dive deep into these details, you’ll probably want to explore the online learning platform, Udemy.

Udemy offers an entire MBA packaged in 1 course, authored by an award-winning business school professor.

To join this course, there are no requirements aside from bringing a positive attitude.

When you invest in yourself and your business, there are no limits on the amount of passive income that you can earn.

22. Invest in Vending Machines

MMW Rating

Rated 3.8 out of 5

Investing in Vending Machines

Flexibility

10/10

Upfront Investment

Sedang

Time Commitment

Sedang

Pro

Make money by investing in and collecting from vending machines

Con

To make a lot of passive income with vending machines, you’ll have to likely invest in a lot of vending machines

What I like about investing in vending machines  is that this passive income idea is very low-key, and doesn’t require much maintenance, other than refilling the vending machines and collecting the cash you earn.

I have a very good friend of mine who runs a vending machine business (he owns 100’s of vending machines), and he makes more than $10,000 a month.

Popular places to stash your vending machines include:

• Gyms
• Shopping malls
• Any waiting room
• University campuses

My friend pays for the cost of the vending machine, the cost of the electricity to run the vending machine, and the cost to refill the vending machines.

Otherwise, he collects his passive income.

23. Write an eBook

MMW Rating

Rated 4.8 out of 5

Writing eBooks

Flexibility

9/10

Upfront Investment

Minimal

Time Commitment

Very high upfront

Pro

You earn passive income on eBooks for the rest of your life

Con

You may have to update your content regularly or write new eBooks down the road to keep selling

Best Resource

How to Create &Sell eBooks for a Living

Believe it or not, anyone can become a self-published author in today’s world.

Selling eBooks is another great passive income opportunity to earn money long after you’ve finished writing your book.

In fact, 21% of book purchases in 2021 were eBooks alone – and that number seemingly just keeps climbing.

I should note that this percent does not include eBook sales for educational and other technical use.

Here’s why writing eBooks works:

• It’s easy
• It’s cheap
• You can make serious money

I actually just self-published my own eBook, How to Get Rich from Nothing , using the publishing platform known as Gumroad. 

After releasing my eBook, I earned over $2,000 in just the first week!

Personally speaking, I probably spent over 100 hours writing, editing, promoting, and marketing my eBook. 

However, now, I have a passive income source for the rest of my life!

Here’s what you need to start a successful eBook writing career:

• Internet
• Some time
• A computer
• An awesome idea
• A passion for writing

…And you should be good to go.

As you can see, writing eBooks requires minimal financial investment. 

If you’re eager to write and earn money from your eBook but aren’t quite sure how to start, then consider checking out the guide How to Create &Sell eBooks for a Living .

This guide was created by one of my friends, and he’s been the shining example of how to make a career from writing eBooks.

The success – or failure – of your eBook really depends on how well you’ve promoted it.

I used my social media accounts and email list to promote my eBook and because I have such an engaged and incredible audience, my eBook was a success!

Without my audience, my eBook would have probably have been a flop.

24. Rent out your Car

MMW Rating

Rated 4.2 out of 5

Renting out your Car

Flexibility

10/10

Upfront Investment

Minimal

Time Commitment

Minimal

Pro

Earn passive income by renting out your car

Con

You place the well being of your car in the hands of strangers and you might be held liable in the case of an accident

Did you know that 58% of American households own 2 or more cars?

Cars bring you from Point A to Point B.

However, with the pandemic raging on, and many folks still working from home, you might not be using your car as often as you used to, pre-pandemic times.

If you have bought your car, and it’s sitting around idly right now, you could be earning passive income between $30 to $80+ per day on renting out your car using the car rental app, HyreCar.

If you decide to rent out your car using HyreCar, you can earn up to $2,000+ per month in passive income just by renting out your car.

Keep in mind, however, that things might get tricky with insurance if there is a car crash, so I would highly encourage you to make sure you read through both your insurance policy and HyreCar’s insurance policies.

25. Refinance your Mortgage

MMW Rating

Rated 4.9 out of 5

Mortgage Refinancing

Flexibility

10/10

Upfront Investment

Minimal

Time Commitment

Minimal to Medium

Pro

You free up your cash flow to help you save, invest, and pay off debt

Con

You might be charged refinance closing fees and it could take a few months to complete your refinance

Believe it or not, refinancing your mortgage can free up your cash flow and potentially save you $1,000’s, if not $10,000’s of dollars in the span of 3 decades.

In fact, I refinanced my mortgage back in 2020, when mortgage rates dropped fairly low.

Otherwise, a refinance might not make sense, because with a refinance you typically do have to pay closing costs (which can range from $1,000 to $5,000+).

That’s because brick-and-mortar lenders have higher costs (like air conditioning, rent, etc.), so they typically charge slightly higher interest rates than strictly online lenders.

Before you jump into refinancing your mortgage, I would first check which rate you could qualify for.

If you do refinance, then the money you save should be used for:

• Paying off debt
• Investing in yourself
• Investing in the stock market

Even if you save $50 a month on a refinance, think about how much money you could be saving in the long run.

Money Saved

1 Month

$50

1 Year

$600

10 Years

$6,000

30 Years

$18,000

I would love to have an extra $18,000 to build my long-term wealth!

26. Rent out your RV

MMW Rating

Dinilai 5 dari 5

Renting out your RV

Flexibility

10/10

Upfront Investment

$0 – If you already own an RV

Time Commitment

Minimal

Pros

– Earn passive income by renting out your RV

– Receive up to $1 million for insurance protection purposes

– Earn $10,000’s extra per year in passive income

Cons

– You increase your risk of liability exposure

– Your RV might be returned damaged

– Mileage and wear &tear increase as you rent out your RV

Best Resource

RVshare

Did you know that one of the best passive income ideas is earning money by renting out your RV?

In fact, you can earn up to $40,000 of passive income per year, thanks to RVshare 👇

Think about it:Do you have an old camper van or RV sitting out in your yard, costing you money?

If you do, then seriously consider RVshare.

Thanks to RVshare, you can now rent out your RV for a few $100s per day, if you’re not using it and start earning passive income.

It gets better:You can virtually list any type of RV on RVshare.

Listing your RV on RVshare is 100% free.

Only when you book your RV does RV Share take a fee from your cut:

• 25% of the rental rate
• 25% of additional “for profit” charges

According to the website, you can earn up to $60,000 per year if you have a Class A Motor Home.

While not everyone has a Class A Motor Home for rent, you can still earn up to $22,000 per year in passive income if you rent out a smaller, travel trailer, for example.

If you haven’t thought of earning passive income from your trailer or RV yet, then I’d say it might be time to check out RVshare .

27. Rent out your Unused Space

MMW Rating

Dinilai 5 dari 5

Renting out Unused Space

Flexibility

10/10

Upfront Investment

None – as long as you already have some sort of storage space

Time Commitment

Minimal

Pros

– Earn passive income by renting out unused storage space

– Protection for the host (you)

– Protection against damage and theft for renters

Cons

– You must pay service fees each month you earn money

– You must go through a verification process as a host

Take a look around your home and note any empty storage places.

These places could include:

• Old barns
• Basemeent
• Unused space
• An empty closet
• An empty dresser
• An empty driveway

Now, what would you do if I told you that you could rent out that empty storage space and earn passive income every month with it?

Things that people might store could include:

• Mobil
• College items 
• Gardening tools

So for example, if you live in Miami, FL (like I do), then you could likely earn between $100 to $400+ per month in passive income just by renting out your old storage space.

Check out some of the offerings in the Miami area on Neighbor:

Once you list the storage space that you’re looking to sell, make sure to take at minimum 6 high quality and high resolution photos of your space to promote on your Neighbor.com profile.

Similar to RV Share, with Neighbor you don’t actually get charged until you start receiving payments – or even a reservation for your storage.

Below are some of the fees you can expect:

• 4.9% service fee charge
• $0.30 charge per month

What I really like about Neighbor.com is that the app doesn’t fail to build in safety measures for both the host and the renters.

As you can see from the screenshot above, there are plenty of safety measures put in place to ensure the protection of both parties.

My top safety favorites include:

Neighbor Safety Features

$1 Million Host Guarantee

In case your renter tries to sue you, you’re protected up to $1 million in liability coverage

$25,000 Renter Guarantee

If renter’s items are broken, damaged, etc. then any qualified claims are protected for up to $25,000

The neat thing is that you don’t have to pay extra for these safety features.

They’re simply built-in.

So, if you have extra space and are looking for ways to earn extra money, then one of the best passive income ideas you should consider is renting out your space.

28. Berinvestasi di Lahan Pertanian

MMW Rating

Rated 4.2 out of 5

Investing in Farmland

Flexibility

9/10

Upfront Investment

$5,000

Time Commitment

5 to 10 years

Pro

Make passive income by investing in farmland without actually doing the work

Con

Depending on the deal, fees could be pretty expensive, complex, and your money may be locked up for some period of time before you see returns

Best Resource

Bertani Bersama

Thanks to modern technology, you can now invest in farmland, earn passive income, and not have to move a finger.

In fact, the average value of farmland in America has increased by about 6% each year.

With the real estate crowdfunding platform FarmTogether, more people are given the chance to invest in real estate – specifically in farmland – without having to do the hard work that comes with farming.

I should note that FarmTogether is only available to accredited investors.

While there are some restrictions to earn passive income if you invest in farmland, FarmTogether does make farm investing accessible to more people.

In fact, the average farmland returns yield around 10% per year.

So, if you want to earn passive income, investing in farmland through crowdfunding platforms might be an appropriate next step for you.

29. Invest in Alternative Investments

MMW Rating

Rated 4.5 out of 5

Investing in Alternative Investments

Flexibility

10/10

Account Minimum

$500

Time Commitment

Minimal

Pros

– Ability for individuals to invest in private structured credit deals

– Access to real estate, commercial, fine art, legal and marine investments

– Investments backed by assets, which may provide some protection in event of default

Cons

– Highly illiquid

– Limited offerings are available

– Most investments only open to accredited investors

Best Resource

Yieldstreet

Have you ever wanted to invest in high income generating assets, but didn’t know where to start?

Enter, Yieldstreet 👇

Yieldstreet is an alternative investment platform where you can invest in some of the best alternative investments that generate:

• Penghasilan pasif
• High yielding opportunities

The cool thing about Yieldstreet is that the platform provides many different investments for you – not just 1 option.

In general, Yieldstreet focuses on investing in real estate deals including:

• Hotels
• Student housing
• Industrial complexes

In addition to real estate investing, Yieldstreet offers its investors the following high yield investment options:

• Fine art
• Supply chain
• Thematic funds
• Tankers or ships
• Real estate debt
• Structured notes
• Lawsuits settlements

And that’s what I like about Yieldstreet – there isn’t just a one-investment-fits-all type of situation.

Depending on the type of asset class you decide to invest in, you might see investment minimums ranging between $500 to $15,000.

In other words, Yieldstreet is a little more exclusive than other alternative investment platforms.

Yieldstreet boasts of potential returns ranging between 8% to 20% – which is considerably higher than the 7% to 10% returns that you would typically see if you stayed invested in the S&P 500 over the past few decades.

If you’re curious as to how the potential Yiedstreet returns could impact your portfolio, Yieldstreet does offer a passive income calculator for you to test out different scenarios.

As you can see from the calculation above, even at its most conservative (8% rate of return), you’d see over $22,000 in interest payments over the term of your investment.

While some investments might be strictly reserved for accredited investors, non-accredited investors can still obtain access to invest in certain fund projects on Yieldstreet like the Yieldstreet Prism Fund.

This fund is for non-accredited investors (for those people who earn less than $200k per year, as a rule-of-thumb).

The Prism Fund also invests in alternative assets including some of the options listed below.

These alternative investments typically have a low correlation with the stock market and generally earn more in returns (as long as you keep the asset as a long-term investment) than stocks.

So, if you’re ever looking for an out-of-the-box, passive income idea, Yieldstreet could be a great next option.

Recommended Reading:Yieldstreet Review

30. Share Your Internet Connection

MMW Rating

Rated 4.5 out of 5

Sharing Your Internet Connection

Flexibility

10/10

Upfront Investment

Minimal (you just need access to internet)

Time Commitment

Minimal

Pros

– Earn passive income

– Low payout threshold

– Can be used outside of the US

Cons

– Sharing your internet might slow your connection down

– Won’t make you rich 

Best Resource

Pawns.app

If you have access to an internet connection and love earning passive income…

Then you should consider using pawns.app 👇

Pawns.app is a legit company that makes it easy for you to earn money by simply sharing your unused internet bandwidth.

You can join and earn money passively from virtually any country.

Keep in mind that you’ll want to make sure you have a strong internet connection.

The 3 most important things that you’ll need to maximize your earnings potential:

• Unique IP address
• Strong internet connection
• A good IP address location

If you live in either the US or European countries, you’ll probably have the most desirable locations.

Here’s how you earn money with IPRoyal:

1. Download &install the IPRoyal app (works for both Mac and Windows)
2. Let the app run in the background while you continue with your daily life

The IPRoyal app securely shares your internet connection with its clients.

Any of your unused bandwidth is sold, and you earn money.

So what happens with your unused bandwidth?

There are so many companies out there that need to access IP addresses from all over the world to test and market ads, social media campaigns, etc.

If you live in a desirable location, then companies may want to use your bandwidth to test new campaigns.

The screenshot above goes into a little more detail about the many additional things your bandwidth could be used for.

Dan inilah bagian terbaiknya:

You can actually earn passive income with pawns.app.

In fact, you can earn anywhere from $5 to $140+ per month – but the average monthly earnings are about $43.

Of course, the more you allow the pawns.app to use your bandwidth, the more money you earn.

The payout threshold is also very low – pawns.app will pay you once you have $1 USD in your account.

You can either be paid via PayPal or via Payoneer and the funds should typically transfer within a day.

31. Shopping Online

Flexibility: 10/10
Profit potential: 1/10
Time commitment: 2/10
Upfront investment:  1/10

Shopping online can be a simple way to earn passive income through rewards and discount programs.

With online shopping apps, you earn passive income by receiving a percentage of your purchase back as cash or rewards.

Online shopping apps can provide you with:

• Low upfront costs
• Access to exclusive discounts and deals
• Minimal effort required to earn rewards

Some potential drawbacks are:

• Temptation to overspend to earn rewards
• Requires consistent use for significant earnings
• Lower earning potential compared to other investments

How to start earning passive income from online shopping:

1. Sign up for apps like Swagbucks  and MyPoints
2. Apply for credit card programs with rewards like the M1 Owner’s Rewards Card
3. Receive cash back or points for your purchases and redeem them for cash, gift cards, or other rewards

Online shopping can be an easy way to earn passive income with minimal time and effort, making it a great addition to your financial strategy.

32. Investing in Dividend Stocks

Flexibility:  10/10
Profit potential:  5/10
Time commitment:  3/10
Upfront investment:  5/10

Dividend stocks are one of the best types of passive income.

Dengan saham dividen, Anda memperoleh penghasilan pasif dari pembayaran rutin dari perusahaan yang menguntungkan.

Dividend stocks can provide you with:

• Keuntungan pajak
• Apresiasi modal
• Protection against inflation
• Sumber penghasilan pasif yang dapat diandalkan

Some potential drawbacks are:

• Stock price fluctuation
• Companies may reduce or cut dividends
• Dividend investing requires ongoing research and monitoring of your investments

How to invest in dividend stocks:

1. Open an investment account with Robinhood
2. Find dividend-paying stocks
3. Research your dividend stocks
4. Decide how many shares to buy
5. Diversifikasi portofolio Anda
6. Monitor and reinvest dividends

Investing in dividend stocks can be a lucrative way to earn passive income.

Start by researching stocks using top-rated platforms like Seeking Alpha .

And remember to stay informed and adapt your strategy to achieve long-term financial success.

33. Investing in Bonds

Flexibility:  9/10
Profit potential:  3/10
Time commitment:  3/10
Upfront investment:  3/10
Best platform:  Worthy Bonds

Bonds are a reliable source of passive income.

Especially for conservative investors seeking steady returns with lower risk.

With bonds, you earn passive income through regular interest payments from governments or corporations.

Bonds can provide you with:

• Lower risk
• Diversifikasi portofolio
• Consistent passive income

Some potential drawbacks are:

• Bond prices can fall if interest rates rise
• Bond returns may not keep pace with inflation
• If the issuer defaults, you may lose your investment

How to earn passive income from bonds:

1. Choose a platform that offers bonds like Worthy Bonds
2. Decide on the type of bonds that match your risk tolerance and investment timeline (e.g., government bonds, corporate bonds, municipal bonds)
3. Evaluate the creditworthiness of bond issuers using rating agencies like Moody’s or Standard &Poor’s
4. Buy bonds through your brokerage, either individually or via bond funds or ETFs
5. Spread your investments across different issuers and maturities to minimize risk
6. Keep track of interest payments and any changes in the credit rating of bond issuers

Investing in bonds can be a secure way to build a passive income stream.

Begin by opening an investment account with a reputable brokerage and researching bond issuers using trusted sources.

Remember to diversify your holdings and stay informed about market conditions to maintain and grow your passive income over time.

34. Staking Crypto

Flexibility:  10/10
Profit potential:  5/10
Time commitment:  3/10
Upfront investment:  3/10
Best platform:  Kraken

Staking crypto is an innovative way to earn passive income by participating in the validation of transactions on a blockchain network.

With staking crypto, you earn passive income by holding and locking up your cryptocurrency in a staking wallet.

Staking crypto can provide you with:

• Lower entry barriers
• High returns (1% to 18%+ APY)
• Compounding returns over time

Some potential drawbacks are:

• Security risks
• High volatility
• Lock-up periods
• Technical knowledge

How to earn passive income from staking crypto:

1. Select a reputable platform that supports staking (I use Kraken  for its ease of use and security features)
2. Decide which cryptocurrency you want to stake
   Create a wallet that supports staking
3. Move your cryptocurrency to your staking wallet
4. Follow the platform’s instructions to begin staking your crypto and earning rewards
5. Keep track of your staking rewards and market conditions

Staking crypto can be a lucrative way to earn passive income.

But it can also be extremely risky.

So make sure you do your research and beware of scams.

35. Dropshipping

Flexibility:  10/10
Profit potential:  5/10
Time commitment:  9/10
Upfront investment:  5/10
Best platform:  Shopify

Dropshipping is a popular way to make money by selling products online without holding any inventory.

You earn passive income by setting up an online store and partnering with suppliers who handle inventory and shipping.

With dropshipping you can:

• Start with a minimal investment
• Offer a diverse range of products without worrying about storage
• Run your dropshipping business from anywhere with an internet connection
• Scale your business by adding more products and suppliers without the hassle of inventory management

Some potential drawbacks are:

• Supplier issues
• Lower margins
• High competition
• Customer service challenges

How to earn passive income from dropshipping:

1. Choose a profitable niche with a demand for products and relatively low competition
2. Use platforms like AliExpress, Oberlo, or SaleHoo to find reputable suppliers
3. Create an e-commerce website using platforms like Shopify  or WooCommerce
4. Import products from your suppliers to your online store
5. Use digital marketing strategies like social media advertising, SEO, and email marketing to attract customers
6. Handle customer orders, inquiries, and returns

Dropshipping can be a great way to earn passive income while allowing you to work from anywhere.

36. Money Market Account

Flexibility:  9/10
Profit potential:  4/10
Time commitment:  1/10
Upfront investment:  6/10
Best platform:  Raisin

Money market accounts are a secure way to earn passive income with higher interest rates compared to traditional savings accounts.

With a money market account, you earn passive income through interest on your deposited funds, while enjoying features of both savings and checking accounts.

Money market accounts can provide you with:

• Low risk
• FDIC insurance
• Easy access to funds
• Higher interest rates

Some potential drawbacks are:

• Limited transactions
• Higher minimum balances
• Lower returns compared to other investments

How to earn passive income from a money market account:

1. Look for money market accounts with the highest interest rates and lowest fees from services like Raisin
2. Open your money market account
3. Danai akun Anda
4. Monitor your earnings

Money market accounts can be a low-risk investment option that can provide a stable source of passive income while keeping your funds easily accessible.

37. Certificate of Deposit (CD)

Flexibility:  3/10
Profit potential:  4/10
Time commitment:  1/10
Upfront investment:  6/10
Best platform: Raisin

Certificates of Deposit (CDs) are a reliable way to earn passive income with fixed interest rates over a specific period.

With a CD, you deposit a fixed amount of money for a predetermined term, earning passive income through interest without the risk of market fluctuations.

CDs can provide you with:

• FDIC insurance
• Predictable income
• Guaranteed returns
• Higher interest rates compared to savings accounts

Some potential drawbacks are:

• Early withdrawal penalties
• Less flexibility with accessing funds
• Fixed interest rates that might not keep up with inflation

How to earn passive income with a CD:

1. Compare CDs from top-rated services like Raisin
2. Choose a CD with terms and rates that align with your financial goals
3. Open your CD account
4. Deposit the required amount into your CD account
5. Keep track of your CD maturity date and interest earnings

CDs can be a low-risk investment option that offers a predictable and stable source of passive income, suitable for those willing to lock their funds for a specific term.

How Many Passive Income Streams Should You Have?

While there is no “magic number,” it should be noted that the average millionaire has built roughly 7 income streams.

Millionaires don’t just rely on 1 income stream (aka your 9 to 5). 

Especially in the modern COVID-19 world, it’s more important than ever to start looking for secondary income ideas because you are not guaranteed your primary 9 to 5 job.

Below is a list of 7 common passive assets from millionaires:

• Dividends from stocks
• Income from their business
• Rent from rental real estate
• Income from a regular paycheck
• Interest from savings, CDs, bonds, etc.
• Capital gains from appreciated stocks and other assets
• Royalty payments from selling the right to use something they’ve created

Take another look at these multiple streams of income. 

This is diversification at its finest.

There is no rush.

However, as you start building your passive income streams, I would make sure that each source of income helps you optimize your time and does not cost you too much effort.

There may be some income streams that are better suited for you than others.

You just have to pick and choose your passive assets.

How to Minimize Your Taxes on Passive Income

Passive income opportunities also come with a challenge:Taxes. 

Planning for taxes is, of course, a high-class problem, because we are now assuming that these multiple streams of income ideas are making you money.

A lot of folks that I’ve worked with in the past have failed to set aside a “tax bucket” and simply spent (or invested) every penny they earned from their passive income. 

And when tax time rolled around… these folks had to dip into their emergency savings fund to help them pay for their taxes.

Aduh. 

However – there is a trick to minimize the taxes you owe if you commit to any of these secondary income ideas.

Here’s how you can save money on taxes:

• Set up a business
• Invest in qualified dividends
• Invest in retirement accounts
• Invest in 1231 real estate deals
• Invest in tax-advantaged accounts

Now, if those tips sounded like gobbledygook (aka another language), then keep reading, because I’m breaking this jargon into plain English for you below:

Finance Jargon What it Means

Set up a Business

– Register with the IRS– Receive your business tax ID number– Depending on your business structure (i.e., S Corporation vs. LLC for example), you could deduct your business expenses against your business income– With most business structures, you also typically add a layer of protection against liability

Invest in Qualified Dividends

– You invest in company stocks that are based in the U.S. or have ties to the U.S.– You hold the shares for 60 to 90 days (depending on the stock type)– With qualified dividends, you pay capital gains tax rates (which is lower than ordinary income tax rates, which are applied to non-qualified dividends)

Invest in Retirement Accounts

– Retirement accounts are tax-deferred, which means that unless you withdraw money from your retirement accounts, you won’t have to pay taxes on any passive income– Accounts include:401(k)’s, 403(b)’s, SEP IRA’s, etc.

Invest in 1231 Real Estate Deals

– Deduct your real estate expenses (including insurance, maintenance, etc.) against any income you earn– You must hold your property for more than 12 months

Invest in Tax-Advantaged Accounts

– Tax-advantaged accounts are typically tax-deferred, which means that unless you withdraw money from your account, you won’t have to pay taxes on any passive income

– Accounts include:IRAs, Roth IRAs, 529 Plans, Health Savings Accounts, Charitable Gifting Strategies and Vehicles, etc.

While these tax minimization tips often work well for passive income strategies, I do suggest consulting your CPA, accountant, or review your personal situation in your online tax software.

If you are considering opening your own business and putting your real estate investments into your LLC (for example), then you could also open the following tax-advantaged retirement accounts:

• SEP IRA
• Roth IRA
• Solo 401(k)
• IRA Tradisional

With SEP IRAs, you could stash up to $58,000 in 2021 on a tax-advantaged basis, while with a Solo 401(k), you could stash up to $58,000 if you’re under age 50 and up to $64,500 if you’re age 50 or older.

If you plan ahead, you could make a lot of money with these passive income ideas and you could also save a lot of money by minimizing your taxes.

In this case, make sure you consult your CPA.

FAQ

How can I make $1000 a month in passive income?

These passive income ideas can help you make $1000 or more a month:

• Invest in fine art
• Invest in farmland
• Invest in real estate
• Flip new or used items
• Start a WordPress blog
• Invest in cryptocurrency
• Start a YouTube channel
• Create and sell an ebook
• Invest in the stock market
• Become an affiliate marketer

Does passive income require “no work”?

Tidak! I’m busting this myth right now. Passive assets take time, effort, and sometimes require an upfront investment to start earning multiple streams of income. 

However, if you are consistently putting in hard work, then there is a high chance that your passive income streams can build up over time – to a point where you could even consider replacing your regular 9 to 5 job!

Here’s an example of when you’ll need to put in the upfront work:  If you want to make money on Twitter, you probably won’t be successful if you just open a Twitter account and start affiliate marketing to 0 followers. 

To become successful and build a passive income stream on Twitter, you’ll probably need to:

• Add value 
• Find a niche
• Build up your audience
• Network with bigger accounts
• Develop a great Twitter profile

Once you put in the hard work up front, you’ll probably find it a lot easier to make passive income down the road.

Does passive income really work?

Yes, it really does! Passive income sources are how the rich build their long-term wealth. Passive sources of income help you optimize your time because you can virtually make money in your sleep. You still have to put in some upfront work, however, to build your passive income streams. Over time, as your passive income builds, you could even consider replacing your 9 to 5 job with your passive income!

What are the best passive income ideas?

The best passive income ideas to build long-term wealth include:

• Invest in fine art
• Invest in farmland
• Invest in real estate
• Advertise on your car
• Sell your stock photos
• Flip new or used items
• Start a WordPress blog
• Invest in cryptocurrency
• Start a YouTube channel
• Create and sell an ebook
• Invest in the stock market
• Become an affiliate marketer
• Get a high-yield savings account

How can a beginner earn passive income?

A beginner can earn passive income using several of the following strategies:

• Flip websites
• Sell your stock photos
• Invest in the stock market
• Writing and selling an ebook
• Affiliate marketing on Twitter
• Design and sell digital templates

Closing Thoughts

Passive income can help you increase your monthly income and fill in the gaps where your 9 to 5 job can’t keep up. In fact, these best passive income ideas could even help you replace your 9 to 5 job.

All you have to do is:

• Be patient
• Put in the work
• Stay consistent with your efforts

The good news is that passive income typically doesn’t require too much work – so building a passive income stream should be a great way to make extra money . 

Whether you’re looking to make money by investing in art or whether you’re wondering how to write your next ebook, there is an opportunity for you to start building passive income.

The best news is that you can start these passive income ideas with little money upfront.

Now, all you have to do is get started!

Your bank accounts will thank me later.