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Passive Income Ideas In 2022: The Best Options Out There

Last Updated: May 19, 2022
By: Hope
By: Hope
Welcome to my Passive Income Ideas review. My goal is to answer common questions like: how much they cost, if they're scams, & if you can actually make money with them. The end goal is to help you understand which is a good fit for you personally, and if there are any better alternatives out there.
Passive Income Ideas 2022


This Passive Income Ideas review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

What I Liked

What I Didn't Like

Before we get into it... who am i?

Always good to put a name to a face, so firstly, my name is Hope!

Like you, I was stuck working 8-10 hour days building someone else’s dream.

I worked at one of those cool tech companies that has omelet stations for breakfast & craft beer on tap for after hours.

To a lot of people that’s a dream, but to me… something was missing.

All I really wanted, was to actually enjoy life – more vacations, less stress, buy myself nice things without worrying about the cost… but that was something my 9-5 couldn’t provide me.

That was until a few years ago when I discovered a way to make money online by actually helping real people. 

People in this case were local business owners across the US.

Me and My Puppy

The page above is an example of how I do it. That one-page site generates $1,500/mo and I haven’t even touched it since it was put up.

That’s an $18,000/year raise from just one page.

That’s why local lead generation is my #1 business recommendation for recurring, semi-passive income. If you want to learn about that business model, click here.

Important: I am not an affiliate

for Passive Income Ideas

Why Does That Matter?

A lot of course reviewers have no experience with any of the business models or programs they review, and so they’re just making stuff up.

They do that because they want you to click through their link to buy from the person that the review is about!

They have no clue what it’s actually like to run the type of business Passive Income Ideas is teaching you to do.
I have absolutely no relationship with Passive Income Ideas, so you can rest easy knowing that I’m going to give you my honest opinion
This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

Best Streams To Make Passive Income

Passive income is now more important than ever since it plays a significant part in establishing your standard of living and comfort. You may use passive income to either increase your income or keep up with your current standard of living.

With passive income, financial security can be achieved without actively working for it. If you find the best passive income strategy that suits you, freedom and flexibility are within your reach.

The past decade, in fact, has seen several lucrative passive income streams and ideas emerge, making it a lot easier for even the newbies to make money.

Towards the end of this article, I’ll answer some of the most frequently asked questions on how to make passive income…

But most importantly, I’ll show you the exact system I used to build my own business to over $40,000 a month in mostly passive income.

28 Passive Income Ideas & Opportunities

1. Passive Income Through Stock Investment

Stock Investment

Many people believe that the greatest way to generate passive income is not via stock and bond ownership. On the other hand, private retirement accounts are based on this idea.

Buying stocks, bonds, and mutual funds containing both will allow you to live off the passive income during retirement. You just need to find the investing platform that suits your investment preferences.

Whether through borrowing or issuing shares through an initial public offering (IPO), companies need money to finance their business. This process of offering new stock from a private company to the public is called an initial public offering (IPO).

Through investing in stock, you become part of a company’s ownership and the best time to buy stocks is when the market is down.

A robust passive income can be achieved before the typical retirement age if you start saving aggressively and invest in good-value dividend stocks. You can reduce the risk of losing all your investments in case a company craters by diversifying your holdings.

This is separate from bond investing because of the relative nature of the two. Previously, this had been mentioned as a portion of ownership in a company.

Investors often earn money without doing anything because some companies pay them quarterly. However, investing in a company should be done with caution.

2. Passive Income Through Cash Back Websites

Passive Income Through Cash Back Websites

As with any other kind of passive income, cashback websites may provide a steady revenue stream. Just go on as normal, but be more selective about your purchase items.

By using cashback websites, you can earn money while you spend. This may be viewed as something that won’t give you an opportunity to retire early.

There’s still a way for you to make money without putting much effort into it. Moreover, it’s absolutely free. Just enroll in cashback programs on shopping websites. These shopping portals give a percentage back to members in exchange for their qualifying purchases.

As an example, Swagbucks can be used to earn cashback. If you browse the web, you’ll get your Swagbucks points automatically when you use its shopping portal or add the Swagbucks browser plug-in.

According to the company, over $400,000,000 has been paid out to its members. Swagbucks has rewarded dozens of members with up to $12,000 in earnings. Teens can even earn a little pocket money with it.

The MyPoints system, which lets you earn points in several ways, is another example. The shopping portal allows you to earn points by purchasing items from their partner stores and get cashback. Points can also be earned by completing surveys, playing games, watching videos, and reading emails.

In contrast, TopCashback gives the full commission back to the customer and generates their money somewhere else.

You can consistently earn 3% across all sites, which is a high percentage to earn. You can also find coupons and special offers that provide you with higher cashback.

3. Selling Stock Photos Online

Selling Stock Photos Online

You can make money by selling stock images if you like taking them. Shutterstock and other stock photography websites enable you to charge a fee for the use of your pictures.

You can take pictures in any niche, from travel, food, to sports. You can sell your stock photography images as an independent photographer on various stock photography sites.

If you take thousands of great photos, it will take a while to build up, but if you are passionate about taking pictures, then you will enjoy the whole process. In the end, financial independence is about earning wealth that doesn’t take up all your time to enjoy your life and do the things you love. Selling stock photos is an excellent passive income idea because you get paid to do something you love to do.

Check out these best stock photography sites below, where you can sell pictures for passive income. Start earning this passive income stream by opening an account today.

  • Deposit photos
  • SmugMug Pro
  • Shutterstock
  • Pixabay
  • iStock Photo
  • Etsy
  • Getty Images
  • Stocksy
  • Adobe Stock
  • Twenty20

4. Amazon FBA

Amazon FBA

You may make additional money by selling products on Amazon. Many individuals have found this to be an excellent source of passive income. If you have a product you want to sell online, Amazon is an excellent alternative. Amazon is a household name, and we all know it. It is the third-largest American website. Fulfillment by Amazon (FBA) and other solutions are available from Amazon.

Like eBay, its FBA program requires you to find buyers to sell your product. FBA gives you the benefit of not having to worry about anything. All picking, packing, and Amazon in their massive warehouses handles shipping. In total, Amazon has over with a total storage area of more than 150 million square feet around the globe.

Amazon FBA lets you use their shelves to store your stuff. In addition to terrific customer service and returns, you can take advantage of Amazon’s other benefits (such as Prime eligibility and Free Super Saver Shipping) to help your business scale fast. Sellers can also fulfill their orders themselves by choosing this option. There are pros and cons to each method.

Here are the steps to making passive income with Amazon FBA.

  1. Find an interesting/ profitable product to sell.
  2. A product with good demand but not readily available in offline retail markets.
  3. Find out who the suppliers are for those products.
  4. Remember that to make a profit, you have to buy low and sell high.
  5. Set the prices for these products through your Amazon seller account.
  6. For your business to compete with other sellers on Amazon, you need a competitive pricing strategy.
  7. Your listing page should include the right title and description of the products.
  8.  Consider how best to help customers discover information about your products, make decisions about purchasing them, and answer their questions.
  9. You can ship all the items at once to Amazon.
  10. Through Fulfillment by Amazon (FBA), Amazon takes care of packaging, labeling, and shipping products.
  11. You get money twice a month from Amazon after the company collects payment and deducts their fees.

You can take advantage of Amazon’s tools once you have launched your business. Advertising on Amazon offers new ways for you to reach out and engage shoppers at various stages of the buying process, whether they are just comparing products or ready to purchase. Advertisements appear right where the customer is likely to see them (such as on search result pages or product detail pages).

It should be noted that the sales are passive, but the work is not. The following are a few things you might try within your first 90 days as an Amazon seller.

  • Using Seller Central, monitor the health of your account.
  • Make use of Amazon Fulfilled Prime or Fulfillment by Amazon.
  • Put deals and coupons on your listings and advertise.
  • Create enhanced brand content by enrolling in Brand Registry.
  • Add more products to your selection.
  • Use Seller Central’s Automated Pricing Tool.

5. Lending Money To Others For Interest-Based Income

Lending Money To Others For Interest Based Income

Passive income concepts include lending money to others and receiving interest payments. A buddy who can’t pay back a loan is not the point of this article. Lending privately allows you to lend to anybody in your social network. Many repair and flip investors demand immediate access to finance to pay for the initial acquisition of their homes.

They can use your capital for a short period in return for an interest rate that you and they agree upon. Furthermore, you can also lend money to others by using peer-to-peer lending websites. Payments are collected through the lending site, which provides more leverage when payments are late. By diversifying, you can lower your lender risk.

Rather than putting all of your eggs in one basket, lend your money out to a variety of people. This strategy makes sense when the goal is to beat stock market returns with higher yields.

The high risk in this passive income idea probably is one of the few of its kind. It is, however, quite profitable.

Those who cannot access conventional financing can secure money from you. You could charge a 6 to 10% interest rate for lending money.

The best way to minimize financial risk is to invest in a company that can act as a mediator. It is their responsibility to make sure you are paid back.

The peer-to-peer lending concept is another easy way to earn passive income from lending since you can lend money out to other people who may not qualify for conventional financing.

On a crowdlending website, you lend money out and receive interest payments. You’re getting interested now as if you were a bank.

The feeling of being the lender rather than the borrower is awesome. Your investment is part of a loan. When you invest with a company like Lending Club, you can earn 6-10% passive income, which is typically much higher than normal investment funds or interest from banks.

6. Earning Passive Income As Silent Business Partner

Earning Passive Income As Silent Business Partner

Being a silent partner in a company is a great way to get passive income that many people don’t know about.

As opposed to lending the business money, you invest in it. Then, you get paid a percentage of profit, which is guaranteed by a percentage of the company assets’ value. On some websites, you can find businesses looking to partner with silent partners.

A 10% stake in a friend’s restaurant will cost you thousands of dollars, but you can choose from thousands of small businesses or startups to find one that appeals to you. Additionally, investing in several startups can help you reduce your risk.

Those who want to start their own business but aren’t interested in the work can turn to this passive income idea as a great alternative.

You should know that passive income ideas require you to conduct due diligence, verify the value of the business, and secure your investor rights.

You can also lend money to friends or family members who want to start businesses. You can then let them run the business on your behalf.

Before you make a financial commitment to an ongoing operation, you need to review and assess their financial statements and other aspects of their businesses.

When investing in a new business, you must find out if the business partner is reliable.

While this does not automatically make you less susceptible to financial loss, you can rest easy knowing your money is in capable hands.

7. Starting A Blog & Monetizing It

Starting A Blog And Monetizing It

Many bloggers have been able to cease trading time for money because of passive income from blogging.

You can, for example, set up a WordPress blog as a travel blogger and share your experiences with others. You can document whatever you see and do whenever you visit a new place.

You can earn money in several ways. Your site can be monetized with programs like Google Adsense.

Your advertising partner, like Google, will pay a small fee if anyone clicks through. In addition, there are affiliate programs that you can join as well.

Among the number of ways to earn cash online is affiliate marketing. Affiliate marketing allows you to promote products or websites to earn a commission as a reward.

8. Affiliate Marketing

Affiliate Marketing

It’s common to see bloggers earn passive income almost exclusively from their blogs. Your blog can have ads on it if you get decent traffic, and you will be paid for each click or view of the ads.

This can add up to a fair amount of money if you get a lot of traffic. Essentially, affiliate marketing is all about promoting products and receiving a commission from sales.

All you need to do to start earning money is to link a product on your blog, social media account, or website.

The ad revenue on the blog isn’t completely passive; you need to create content that attracts enough viewers for it to be profitable.

While you have to create content, you can also hire others to do so.

9. Money Making Websites

Money Making Websites

Google ads are a common source of revenue for blogs. Affiliate income may be earned as described above. Many people don’t know this, but you can buy blogs from their owners and take over.

Ideally, evergreen content should generate passive income for many years. Increase your traffic and monthly revenues by adding fresh content.

This also paves the way for making money from site flipping.

Another option is to build a niche blog that caters to a small subset of the blog’s audience and thus increases its value to readers and advertisers.

Cross-linking to each of your blogs can boost traffic.

This is one of the best passive income ideas for those who also wish to do something other than writing a blog every day with the same topic.

10. Renting Your Car

Renting Your Car

You can earn passive income by renting your secondary car through popular car rental apps.

These apps connect car owners with renters. By providing a slight discount and setting a minimum amount of rental days, you’ll be sure you get the most money for your time.

If you have a car that you can rent for cash, this is one of the easiest passive ways to earn an extra income online.

11. Writing Books

Writing Books

In the form of royalties, book sales can be an exceptionally good way to earn passive income. As soon as your book becomes accessible on a site like Amazon, you could get a check every month without ever doing a thing. As you spend more time promoting your book, you’re more likely to make money online and offline.

12. Drop-Shipping


In the age of eCommerce, dropshipping has become increasingly popular. It works like this: you set up an online store that sells items from different manufacturers, then your system sends an order request to the manufacturer of a product when a customer visits your site, orders a product, and pays for that item.

As a result, your maker fulfills the order by sending it directly to the person who ordered on your site. You don’t need to keep an inventory of the products you are selling in this kind of business because no stock is required on your part.

Customers pay for the item, you get the commission, and the item’s manufacturer or seller does the storing and shipping to the customers.

13. Create An Online Course

Create An Online Course

One of the best passive income ideas is selling courses or guides to an audience that needs their content. You can make passive income from this if you have expertise on any topic.

Even if it is a lot of work and effort initially, once you have created and marketed your e-book or online course, it can generate for you passive income for many years.

There are varying versions of it since the “Four Hour Workweek.” This passive income building has changed over time, however.

The money you make goes directly to you, and you can use it in order to market your blog through the online learning platform.

Online courses could also help you market your current business, whether you’re a house decorator, realtor, lawyer, or contractor.

In addition, you could benefit from the course by using it to promote your own content, such as your blog or book. You can also invite them to subscribe to your newsletter.

You can generate passive income with content creation by connecting with services that can create quality content on-demand that you can add to your newsletter at any time.

The marketing and distribution part of the business can be handled with a variety of tools.

Newsletters, for instance, can be set up to send content automatically to your list. You’ll have people paying you for your content once you have identified a need and created a decent online course that fills it.

People will refer it to their friends if it’s good, which will generate more revenue. The content only needs to be created once, then posted on a site where visitors pay for it.

Your online course students can purchase a companion guide or ebook as part of the course. It is possible to create audiobooks or courses based on your online guide and provide additional value if that guide is doing well.

Additionally, you can use online courses to promote your expertise and your published books.

It provides a great way for writers to generate passive income through their existing content because you can monetize it in a new way, increasing your profile.

Your ebook can either be sold directly on your website or offered via affiliate deals by websites providing relevant content to the ebook.

14. Buying Bonds

Buying Bonds

The fact that you can sit back and watch the money roll in makes this one of the most popular passive income ideas.

A bond is a substantially safer investment than stocks because a bond is viewed as a liability by the issuing company. A bond is a loan offered by a corporation, city, or government.

A written and signed promise of payment is exchanged for a specific sum of money on a specific date and under certain conditions.

Stocks, however, are a type of equity. If the company files for bankruptcy, it must make sure its debts are settled first.

Governments can also issue bonds, but not stocks. Investing in tax-free municipal bonds, government treasury bonds, or corporate bonds will provide you with a large passive-income stream.

15. Vending Machine Business

Vending Machine Business

Passive income ideas like this are often underestimated. Even so, this is an excellent way to earn money if you find the right place to put your vending machine.

You will be able to make a large profit if the machine is placed strategically, considering the number of people going in and out of that location.

A vending machine at the right place could generate more than $100 per week or even hundreds of dollars a day.

For example, one vending machine in a good location might bring in $50 to $100 per month. When you purchase 100 vending machines in prime locations, you could earn about $1000 per day.

Vendor route operators must obtain the proper licenses and permits as dictated by their local ordinances, like any other business. You need to be aware of them when starting a vending machine business.

16. Time Deposit

Time Deposit

Investing in fixed deposit accounts can earn you passive income, which is one of the low-risk passive income ideas. Time deposits are different from other savings accounts because they have a specific maturity date.

High-yield savings account like this cannot be withdrawn before its maturity date. A savings account of this type typically earns higher interest than other accounts, but it varies based on the account’s terms and balance.

To withdraw savings, you are required to must notify the bank at least 30 days before the withdrawal date. Your interest rates will increase the longer and more you park your money.

17. Podcasting


You can make money through podcasts, even if they are small, through advertising. Users can download podcasts to their devices to listen to them on the go.

You can only make money from podcasting if people watch it.

Until listeners understand your worth, it will take some time for them to appreciate you. For this reason, if you’re thinking of launching a podcast just to earn money this week, it would be wise to look into other options.

However, your podcasts can be monetized if you have thousands of subscribers. You can earn passive income by selling products and services through your blog or affiliate program.

It is possible, for example, to obtain sponsorships and to include advertisements throughout each episode. In addition, you can opt to choose affiliate programs like Audible, which many podcasters and YouTubers use.

They provide you with an affiliate link to promote the product. You will earn $15 from that sale whenever someone uses your link. Consider investing in the best podcasting headsets in your budget before starting a podcast.

It is important to make sure that both your audio and content are of high quality.

18. Starting A YouTube Channel

Starting A YouTube Channel

You can earn money through YouTube if you join the YouTube Partner Program. If you are under 18 years old, you must have a legal guardian who can deal with your AdSense payments. Their guidelines on advertiser-friendly content must be followed. Your channel will be reviewed by Google before the YouTube Partner Program accepts you. You will also be constantly reviewed for compliance with all their policies and guidelines.

It Is Possible To Monetize YouTube Channels Even Without Millions Of Subscribers.

Earning potential is determined by more than just the number of subscribers and views you get, the niche you serve, your level of engagement, and the revenue channels you use. Most YouTubers build millions of subscribers and then sell their own merchandise. Partnering with different brands to target specific audiences is also something they do. Influencers with a loyal following are now being targeted by brands with large advertising budgets. Depending on how well you negotiate, you could profit from this as a creator. YouTube has the following features that can be used to generate passive income:

  • Advertising revenue
  • Channel memberships
  • Merchandise shelf
  • Super Chat & Super Stickers
  • YouTube Premium Revenue

19. Becoming A Social Media Manager (WFM Job)

Becoming A Social Media Manager

Working from home and managing several social media accounts of different businesses is possible. Due to lack of time, many small business owners hire freelancers who can work from home to handle social media.

There is always a high demand for social media managers as companies compete for online presence and recognition.

You can run basic social media pages for local businesses in exchange for a contracted monthly fee.

To produce quality content for social media, you need the ability to write well and understand how content works. It is possible to learn these skills online, even without a college degree.

20. Passive Income From Airbnb Business Model

Passive Income From Airbnb Business Model

In exchange for renting your room, you can earn passive income by partnering with Airbnb. Those with spare bedrooms can find roommates or list them on Airbnb.

Airbnb is a system that generates passive income by monetizing living space. Renting a room, an apartment, or a whole house through Airbnb is a great way to earn passive income.

Their systems handle bookings and payments, while the hosts handle everything else.

21. Investing In Mortgage Notes

Investing In Mortgage Notes

A mortgage note is also called a real estate lien note or a borrower’s note. The past few years have seen them grow in popularity.

There are many advantages to investing in mortgage notes, including higher rates of return than traditional bank bonds and higher dividends than most stock investments.

Real estate mortgage notes are promissory notes backed by mortgage loans.

If you are looking for steady and substantial passive income, this is one of the best passive income ideas.

You can acquire real estate mortgage notes to generate passive income without being a landlord or purchase notes and sell them down the road.

Loans or “notes” can be purchased from others. Payments are then made to you. A note like this is provided to every person who offered financial assistance to the homeowner.

Some may also agree to a discount on the note if they can get the most cashback.

To ensure your investment is protected, you should do your due diligence and draft the appropriate documents.

Unless you have a lot of experience handling tax liens, you should avoid them when seeking passive income ideas.

In contrast to renting or buying real estate, mortgage notes require relatively little work other than the initial search and purchase.

22. Invest In Real Estate

Invest In Real Estate

In the real estate industry, passive income can be generated in many ways. Renting out properties is one way to do this.

A rental property involves renting out either a room or the entire house to earn extra income.

Real estate investments are always at least partly active, so they would probably fall into the category of semi-passive income.

However, the biggest challenge comes once you have a fully rented property – you need to manage it well to keep it performing well.

For future landlords, the standard approach is to buy a property and renovate it, then find tenants to rent it out. By purchasing a turnkey property, the middle two steps can be skipped.

The property you are buying already has tenants. The real estate investment approach may not be one of the newest passive income ideas for 2022, but it is catching on again.

Passive income seekers are finding it increasingly attractive because of several factors. To purchase properties like this, you can borrow money from banks and other institutions at low rates. You can create passive income almost instantly.

Aside from inheriting the tenants, you can possibly inherit the property management company too.

Unless you want to, you don’t have to make any repairs to the property. In any case, you should be informed regarding major problems and potential repairs by the seller.

If the house needs a new roof, air conditioner, foundation, or repairs, you can choose not to buy it. You are less likely to be blindsided by unexpected costs after purchasing a property.

Likewise, you’re likely to see many properties coming up for sale from retiring Baby Boomers wanting to sell their assets and just enjoy retirement. In contrast, others are being sold as part of an estate.

There is no doubt that owning and holding rental properties is among the best passive income ideas.

23. Owning Rental Properties Indirectly For Cash Flow

Owning Rental Properties Indirectly For Cash Flow

Rental properties can be owned indirectly in a variety of ways. You can own part of a rental house and let someone else manage the maintenance and collect the rent.

This is truly a passive income. However, having a business partner can be problematic too if they make a mistake and you get lower returns as opposed to outrightly owning the property.

Upfront investment in Real Estate Investment Trusts (REITs) can be made in many ways, including buying publicly traded stocks, mutual funds, and ETFs. A REIT generally owns and/or manages the income-producing commercial property, whether that’s the property itself or the mortgage on that property.

Among the various types of REITs, you can invest in are Retail REITs, Residential REITs, Healthcare REITs, Office REITs, and Mortgage REITs.

A REIT will provide you with high dividend yields and moderate capital growth over time. One of the best passive income strategies for investors is to invest in REITs.

24. Fixing & Renting Property

Fixing & Renting Property

Real estate can provide many passive income opportunities. Flipping houses seems simple, so many people get into it to make more money.

Purchase a run-down house, upgrade it, and resell it for a profit.

With this approach, you can earn between 50,000-150,000 dollars a year if you handle several properties, earn a profit of 15,000 to 30,000 on each deal, and everything goes according to plan.

How Does “Fix And Rent” Make Sense As One Of The Best Passive Income Ideas?

People who have fixed up a house but don’t believe they can sell it for a profit are most likely to benefit from this solution.

Renters are easy to find because real estate remains an essential activity and people still require housing. Your rental income allows you to pay your mortgage, insurance, and other bills.

Using This Approach May Also Have The Side Benefit Of Reducing Your Capital Gains Tax Bill If You Hold The Property For A Long Period.

You could rent out houses owned by fix-and-flip professionals struggling financially as an alternative. The longer the housing market stays in the doldrums, the greater the chances you’ll get a bargain.

Fixing and flipping is an option for people who do not wish to deal with tenants or maintenance. You can address this issue by outsourcing your property management work to a good company.

If Your End Goal Is To Sell The Property, What Should You Do?

While the housing market is still recovering, you can generate passive income by taking on a tenant. In addition, it increases your property’s value if you decide to sell it. A property investor/ developer looking for turnkey deals will love an affordable property with a tenant in it already.

25. Real Estate Crowdfunding

Real Estate Crowdfunding

Another passive income idea that is relatively new is crowdfunding rental properties. The purpose of crowdfunding is not to replace mortgage applications.

You can instead lend to real estate investors via crowdfunding sites.

How can this passive income method benefit you?

You won’t work with individual investors personally; you merely vet each investor’s project individually.

By doing this, you can avoid high-pressure sales by investment groups, eliminating the personal appeal of helping a friend buy a house.

Several hundred or a few thousand dollars can be loaned to each potential investor to diversify your holdings. The interest rate is higher than you would get in a money market account.

You can also diversify through crowdfunding sites if you’re looking for new passive income ideas.

Although you may invest a large portion of your money in real estate, you could also invest in a restaurant or a debt consolidation loan of someone else.

26. Becoming A Social Media Influencer

Becoming A Social Media Influencer

Passive income streams can be generated using popular social media marketplaces like Instagram.

Did you know that Kylie Jenner, a makeup business owner, and social media mogul, is the highest-paid social media influencer to date?

Each sponsored post she shares with her 185 million followers on Instagram can earn her more than $1 million.

With the spread of social media and the ability to monetize their followings, social media influencers are now becoming a new breed of celebrities.

Unlike most forms of brands partnering with social media platforms like Instagram, Facebook, or YouTube, affiliate links tend to be more passive.

27. Mortgage Refinancing

Mortgage Refinancing

This may be an option for you if you pay far more for your mortgage than you should. If you refinance your mortgage, you are guaranteed a lower interest rate and a lower monthly mortgage payment.

Also, refinancing helps the borrower obtain new money at a lower interest rate so that the homeowner’s monthly payment will be reduced. People typically take out loans to fund their studies, homes, vehicles, etc., and in addition, they accumulate credit card debt.

28. Transcription


The transcription job is ideal for someone looking for flexibility to work at home with little or no experience required. You can earn money online by learning this skill.

It gives you the flexibility in setting your own work hours and allows you to work as much or as little as you decide to every week.

Pay is typically based on the number of audio hours. This means you are paid for one hour of work if that audio file is an hour long. Moreover, transcription jobs usually fall into general, medical, and legal categories.

29. Opening A CD

Opening A CD

A certificate of deposit is a deposit with a particular term, which may be a few months to twenty years; when the term is over, the principal plus interest are redeemed, and you may invest them.

With CDs, the risks are virtually eliminated, but they usually come with higher interest rates, so they are a good option for making passive income.

However, there is a penalty for withdrawing your money before the end of the term, so only use this service if you believe you will not need the funds anytime soon.

A 70-month CD can be had at 0.24% as an average nationally, but some have much higher rates.

30. Create An App

Create An App

While some apps can be purchased, others can be downloaded for free – the catch is that they will usually be accompanied by ads.

You can make passive income from selling your own app or by giving away the app for free and selling ad space for it. Even if you don’t come from a technical background, you can still create professional apps thanks to sites like Bubble.

According to Appinventiv, over 25% of iOS developers receive $5,000 or more from their apps, but only 16% of Android developers do the same.

Do These Ideas & Sources Really Work?

Do These Ideas & Sources Really Work
blank note pad with passive income text on green wooden background.BUSINESS CONCEPT

The passive income ideas mentioned here are all viable and can supplement your income. It would be even better if you turned some of these into your main source of income.

Unlike traditional jobs, you don’t have to put in much effort to earn money. It’s just a matter of finding the right one.

As soon as you’ve locked down a passive income deal, you’ll receive decent returns with a minimum amount of effort.

You won’t have to worry about the financial market or how to run a small business. Ultimately, when it comes to passive income, you don’t have to search for the next deal – that’s what’s so great about it.

Ideally, it’s best to settle any debt obligations on your credit cards before jumping into these passive income investments.

What Is My Top Recommendation For Making Money Online In 2022?

Make Money Online With Digital Landlord

I’ve personally tried all of the major online business models:

  • I’ve sold fidget spinners through Amazon FBA
  • I’ve drop-shipped a toilet bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

It’s worth noting that I FULLY endorse real estate investing as a way to grow wealth, and that’s why I invest my own money in commercial and residential real estate.

That being said, my #1 recommendation for making real money online as a beginner is, hands-down: being a Digital Landlord.

Whether you’re a complete newbie or you’ve been around the block before but have never had that “big win” to propel you forward, becoming a Digital Landlord is for you.


Time: If you’ve got a spare hour or two each day, you can do this. If you want to drop everything and go all-in, you can do this. More time means faster results, but putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring.

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

Real estate investing is a FULL-TIME JOB. If you stop finding deals, your money dries up.

Ownership & Control: Unless you’re buying your properties in cash, you don’t technically own the properties – the lender does.

If you miss a single payment, the property can be taken from you.

Why pour your soul into a business that could be taken away from you at the drop of a dime?

When you’re a Digital Landlord, you literally own all of the assets, which means you have ultimate control.

Ongoing costs: With real estate, profit margins are actually pretty slim. Real wealth is made by owning the assets and owning A LOT of them.

Being a Digital Landlord, your profit margin is nearly 100%. Watch here to learn how.

These Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort put into creating the next property decreases.

Best-case scenario, you have properties bringing in over $3,000+/mo on auto-pilot.

It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income with real estate investing, you would need twice as many properties or double your profit margins on each property. And I can guarantee you that’s a lot harder than a few clicks & a phone call.

Make Money Helping Real People: When you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If you can provide those customers, they’re going to be happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other opportunities which might make you money.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision ACTUALLY to make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.

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