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7 Passive Income Ideas You Can Start With Little or No Money

Want to make money while you sleep? That’s the dream—and passive income can get you closer to it. Even better, you don't need thousands of dollars to start.

Here are 7 low-cost ideas to start building income streams on the side:

1. Affiliate Marketing
Share links to products you love. When someone buys, you earn a commission. Great for bloggers, YouTubers, and even Instagram accounts.

2. Print-on-Demand Stores
Create cool T-shirt, mug, or sticker designs. Sites like Printful or Teespring handle the rest. No inventory needed.

3. High-Yield Savings Accounts
Not exciting, but safe. Some banks offer 4-5% interest—free money for parking your cash.

4. Sell Digital Products
Write an eBook, create a template, or design a Notion dashboard. Sell it on Gumroad or Etsy.

5. Rent Out Stuff You Own
Got a camera, bike, or extra room? Rent it out on platforms like Fat Llama or Airbnb.

6. Dividend Stocks
Buy shares of companies that pay you a piece of their profits every quarter. Start small with fractional investing apps.

7. YouTube or Podcasting
Create content once. Monetize it forever through ads, sponsorships, or Patreon.

Tips to Succeed:

• Focus on value first. Help people, solve a problem.

• Pick one stream and build it up before chasing five others.

• Don’t fall for "get rich quick" scams. Real passive income takes work upfront.

Start with what you already have—your skills, your ideas, your time. It adds up. And eventually, your money starts working for you.