7 Ways to Make Passive Income with No Money

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Looking for ways to make passive income with no money?

Making money with no money does not have to be a dream.

In this article, we will discuss seven ways that you can start making passive income today.

Unlike recent trends such as non-fungible tokens (NFTs), all of the tips listed below require barely any upfront investment and are super easy to get started with!

Affiliate Marketing

Affiliate marketing is a great way to make passive income with no money because you don’t need to create or sell any products of your own.

If you have strong opinions about a brand or product, you can promote it and earn money with your affiliate marketing efforts.

Look for affiliate programs that align with your niche or expertise because this will be easier than promoting something you don’t know about. You know best what type of content gets your followers excited and clicking, so put your spin on it to drive affiliate sales.

Most major brands have an affiliate marketing program, so finding one to sign up for should be easy. And, if you already use a certain brand’s products or services, then promoting them through their affiliate program is a no-brainer. Simply sign up, share the links and start earning.

Online Courses

If you have expertise in a particular topic, a great side hustle to look into is creating a course about that subject and selling it through one of the many popular online course providers like Udemy or Skillshare. 

This is a great choice if you have a strong online following or if your expertise is on a niche topic that people are passionate about. If you are a master of tax planning tools like TurboTax, for example, you could create a course on how to use them.

Having a personal brand as well as a mailing list works wonders when promoting your course. You will be able to communicate with your customers directly and build a lasting relationship that benefits both of you in the long run.

You can also share a link to your course on your blog, website, or other social media accounts.


Dropshipping is a business model where your customer orders something from you and you simply take care of getting the products to them. All you need is a supplier, which can be as simple as using AliExpress or eBay.

This is a great way to make passive income with no money because all payments are handled by suppliers so you don’t need any upfront costs or inventory. You simply promote your store and take care of customer service.

To get started, simply search for products on AliExpress that are trending or in high demand. Once you find a few items to sell, create an e-commerce store (or use a platform like Shopify) and add the product images, descriptions, and pricing.

You can also set up a dropshipping business on eBay by finding products to sell and then creating a listing with all of the information your customers will need.

Online Banking

This passive income strategy requires no management at all—just park the money in an online bank.

The top rates are usually at national banks but you could also consider local institutions if they offer competitive interest rates for savings accounts and CDs (certificates of deposit).

You should be able to find the highest rate nationally by doing a quick search because these types of companies always want your business. And, you can always open an account with more than one to make the most of your money.

Online banks offer great features like no minimum balance requirements and the ability to open multiple accounts without having to visit a physical branch.

To get started, simply compare interest rates and find the best option for you. Open an account, then start earning interest on your money.

Rent Out Your Stuff

Do you have a lot of stuff lying around that you never use? If so, then renting it out could be a great way to make passive income. This can include anything from your car to your lawnmower to your power tools.

All you need is a way for people to discover what you have and how to pay for it. You can put together a website or use a platform like Craigslist or even Facebook to get started.

From there it’s just a matter of promoting your store through all of these channels until people start renting from you!

Built a Review Website

If you love keeping up with the latest trends, then building a review website could be the perfect passive income stream for you. Depending on your niche, you could earn money by reviewing anything from drones to the latest fashion trends.

Choosing a niche that requires a lot of research can be a great way to make passive income because people will often turn to multiple sources before making a final decision.

You could earn commission from the sale of the drone as well as the accessories that people purchase along with it.

Make sure you choose a niche where there is high demand so your site will be found by those looking to buy the products. Then, simply publish content reviewing products and comparing different options to help people make buying decisions.


Print-on-demand is a manufacturing process that allows for goods to be printed on orders as they are requested.

You can use services like Printify and Printful to design custom product designs that will be printed on clothes, bags, hats, and other goods. The vendor takes care of manufacturing and delivery after you submit an order. 

It’s never too late to start making money passively, even with no money.

If you’re looking for a way to generate some income that doesn’t require any management or investment, these ideas are a good starting point.

Try out a few and see which ones work best for you. 

Jenn Leach, MBA

Jenn Leach is a Houston-based MBA with over a decade of experience in the banking industry. She writes at Millennial Nextdoor where she writes finance, money, business, and lifestyle content to help millennials create additional income streams online. Join her on Substack at https://jennleach.substack.com.

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