How to Make Money Without a Job

Chris Cerny

Have you ever wondered if you could make money without a “real” Monday-Friday, 9-5 job? Even though conventional wisdom may say it’s impossible, with the help of technology, there are more options than ever to bring in the dough. In fact, there are actually many ways for those who are unemployed, laid off, a stay-at-home parent, etc. to make money.

Here are a few examples:


One option to make money without a job is through investing. Whether that’s investing in the stock market with apps, through a broker, or even investing in the real estate market, the financial world has tons of options for you. Many companies and apps, such as M1 Finance and Betterment, are looking to help people get started.

Financial Professional is committed to helping people of all ages grow their financial IQ. Whether you want to learn to manage your own money or foray into the not-so-scary world of investing, we have the knowledge and tools to help you get started.

If you don’t yet have industry professionals handling your portfolio, we can help! Check out Financial Professional’s investment marketplace, where we partner with some of the best in the business to help find the right investment for you.

Invest in Real Estate (Even Without a Job)

Many people think that you have to be rich to make money investing in the real estate market. However, that’s not always the case: real estate investment companies like Fundrise only require a $500 deposit to start.

Fundrise doesn’t require you to be a landlord, and they do all the heavy lifting for you. The Fundrise Starter Portfolio splits your money into two portfolios that support private real estate around the United States

From this, you can earn money through quarterly dividends and potential appreciation in the value of your shares. Cash flow typically comes from interest payments and property income (taxes). You’ll need to pay a 0.85% annual asset management fee and a 0.15% annual investment advisory fee as well.

Investing in the Stock Market to Make Money Without a Job

Investing in the stock market is a great way to potentially make money without a job. There are many apps and websites out today that can help you get started.

Acorns is one such app that collects your spare change and dumps it into the stock market for you. Also, you can connect your debit or credit cards to have Acorns round up your purchases.

Going into the stock market could potentially earn you thousands of dollars. To get started, all you need to do is create an account with an app like Acorns, which takes mere minutes. (Unlike Fundrise, there is no minimum to start investing on Acorns.)

Invest in Big Companies

One thing many millionaires have in common is that they own a stake in at least one other company. But to start investing in big companies, like Google, Amazon, Apple, etc., you don’t need to have millions of dollars. This is a great way to make money without being employed since there are apps out there, like Stash, to help.

Investing into big companies on Stash takes two minutes to sign up and allows you to be a part of something that’s usually exclusive to the rich. Stash will also give you a $5 sign-up bonus once you deposit $5 into your account. Their subscription plans start at $1 per month. From this, you can make money when companies profit and even earn dividends.

Making Money Without a Job from Filling Out Surveys

Another way to earn money without being employed is by filling out surveys. As I’ve written about in other articles, sites like Survey Junkie will give you money to fill out multiple different types of surveys. The most common place to find sites like this is through the Internet.

Compensation will vary depending on the site. Sites like Survey Junkie give you points based on the types of surveys you fill out which lead to you getting rewards. Also, depending on the site, your rewards may pay either gift cards or cash.


If you have in-demand skills, one way to make money without a job is to list on freelance sites such as Upwork or Fiverr. Fiverr is a great way to make some money and get some experience in your preferred field. There are many different categories on Fiverr for your skills.

Make sure that you understand what Fiverr is before you go into it. Compensation levels may vary depending on who hires you and what your skill is. Listing on Fiverr is not for everyone. But if you’re curious, there is plenty of information in our other articles on how to get started.

Sell Your Unused and Unwanted Items

Selling your unused or unwanted items on an e-commerce site is a great option to make money without a job. As I’ve mentioned in earlier articles, there are many e-commerce site users that would love to buy your unused and unwanted items. Sites like Amazon, Etsy, Poshmark, and others will let you sell your items. Your earning potential is limited only by what – and how much – you sell.

What you’re selling also will determine which sites you should use. Do your research before you start, since sites like Etsy and Poshmark have certain requirements on merchandise and products.

Become a Social Media Influencer

During the age of social media, becoming a social media influencer is one of the best ways to make money without being employed. From YouTube to Instagram, there are many different ways to make money as a social media influencer. You can start through specific apps or work with specific brands as an affiliate.

Being an influencer can make you a range of money, depending on how many followers or subscribers you have. A tip when trying to become a social media is to build a following. If you have a following, it will be easier to attract sponsors and make money from external sources, too!

Making Money Without a Job by Doing Household Chores

One of the oldest and simplest ways to make money without a job is to do household chores. Chores are a great way to earn some money on the side (since no one really wants to do them). Many people are willing to pay others good money to do simple household chores, from babysitting to house-sitting.


One chore that can help people make money without a job is babysitting. If you’ve ever babysat your younger siblings, or if you just love kids, you can advertise some part-time nannying services. Ask parents in your neighborhood, family members who have little ones, or list on to get gigs.’s rates vary by city, but on average the rate for babysitters was $16.20 per hour in 2020. Make sure when you start this you understand what you’re doing for the family and the kids. And pro tip: make sure you enjoy working with kids before you advertise your services full-time.

Dog Walking

Dog-walking or dogsitting is similar to babysitting – without the babies. (Do fur babies count?) This can be a way to make you money without a job. Best of all, dogsitting is a fairly simple task. Asking neighbors, family members, or listing your services on websites like Fiverr and can help you find opportunities.

One key tip is to understand dogs and actually enjoy being with dogs. Pay for dog walkers/sitters varies by region and owner. So, do local research on the Internet before starting.


House-sitting is a great way to earn a lot of money without being employed. You can choose house-sitting jobs anywhere from just your neighborhood to anyplace around the globe. There are websites that specific information and jobs to help you get started.

To get off on the right foot, make sure you check if there are any annual membership fees for any housesitting sites you join. Income levels vary but you could make this “job” well worth it. (Plus, you can use the spare time to do work on your laptop or create knickknacks for your Etsy site!)

A Final Word on Making Money Without a Job

With many people being laid off, fired, and not able to find jobs due to COVID-19, finding a way to make money without a job is very important. Although most of these jobs are more side-hustles, they will help you get through tough times.

And with some effort and a little luck, some of these may become more than that.

Good luck!

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Chris Cerny
Chris Cerny is currently a student and intern based out of New Jersey. He has written many articles for Financial Professional. He has been investing his money in the stock market for the last 3 years.