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40 ways to make money online, and how to pick one.
A list this long is useless without a filter. So here are all forty, sorted into four buckets, with the honest version of what each one actually takes. Then the part most lists skip: how to choose, and what order to build it in.
The tools I use
Some of the links below are affiliate links. If you sign up or buy through them I may earn a commission at no extra cost to you. I only ever share tools I actually use.
Lasso
Every affiliate link on this site lives in one place. When a program changes its URL I update it once and every post follows, instead of hunting dead links across hundreds of pages.
Check it out →Tailwind
This schedules my Pinterest. Most of the traffic that feeds the money on this list arrives from pins, and batching them once is the only way that stays sustainable.
Check it out →Pinclicks
Keyword research for Pinterest. It tells me what people actually search before I write a title, which beats guessing at a clever hook nobody looks for.
Check it out →Ideogram
I generate my pin graphics and blog images here. It handles text on an image better than anything else I have used, which matters when the headline is the whole graphic.
Check it out →Every one of the forty fits in one of these four
Sell your time
Freelancing, tutoring, bookkeeping, transcription. Fastest to a first dollar, hardest to scale, because it stops the day you stop.
Sell something you made
Ebooks, courses, digital products, print on demand, photos. Slower to start, then it keeps selling while you sleep. This is where I live.
Sell someone else’s thing
Affiliate marketing, dropshipping, Amazon, influencer partnerships. No product to build. You are borrowing someone else’s catalog.
Build an audience that pays
Blog, channel, podcast, newsletter, membership. The slowest one and the one that makes every other bucket work better.
The full list, sorted
Tap any one to open it. Do not read all forty. Find the two or three that sound like something you would still be doing in a year.
Sell your time
Freelancing
Offer a service project by project. Writing, design, editing, admin. You set the rates and the hours, and you can start this week with skills you already have.
Online tutoring
Teach a subject you already know over video. Steady demand, decent hourly rate, and it works around a day job because sessions are booked in blocks.
Teach a language
If you are fluent in a second language there is constant demand for conversation practice. Platforms handle the matching so you just show up and talk.
Virtual bookkeeping
Small businesses need books kept and increasingly hire remotely. Higher rate than general admin, and it turns into recurring monthly clients rather than one-off gigs.
Become a virtual assistant
Administrative support for businesses and creators. Inbox, scheduling, research, light content work. It is often the doorway into a niche you later build a product for.
Online transcription and data entry
Tedious, but flexible and available. Pays modestly per audio hour. Best used as a bridge while you build something in bucket two.
Voiceover work
Audiobooks, ads, explainer videos, podcast intros. Demand keeps climbing with video. Needs a decent microphone and a quiet room, not a studio.
Freelance writing
Blogs, resumes, cover letters, marketing copy. Writing for clients also teaches you what converts, which is exactly the skill you need for the other three buckets.
Online coaching and consulting
Sell what you know one to one or in a group. Highest rate per hour on this list, and the deepest research for a product you write later.
Manage PPC ads
Run paid campaigns for clients. Strategy, setup, monitoring, reporting. Results are measurable in dollars, which makes it one of the easier services to keep clients for.
Sell SEO and social media services
Businesses want traffic and do not want to learn how to get it. Retainer work, and it pairs naturally with running your own site as the proof.
Freelance marketplaces
Upwork, Fiverr and similar connect you to buyers without any marketing on your side. You trade a platform fee for not having to find the client yourself.
Sell something you made
Writing ebooks
Write it once, sell it forever. This is the bucket I build everything else around. A short, specific guide outsells a long general one nearly every time.
Selling digital products
Templates, prompt packs, planners, checklists, presets. No inventory, no shipping, no support burden. The margin is close to everything.
Create courses
A course is a digital product with more structure and a higher price. Build it after a guide sells, so you already know people will pay for the topic.
Print on demand
Shirts, mugs, prints. A partner prints and ships when someone orders, so you carry no inventory risk. Design is the whole game here.
Selling on Etsy
Built-in buyers looking to spend. Works for handmade, vintage, and especially digital downloads, where the same file sells over and over.
Selling photos, video and music
License stock work to people who need it. Slow to build, then it earns quietly for years off a library you already shot.
Selling digital art and graphics
Marketplaces like Creative Market let designers sell fonts, templates and graphics to other creators. Same create-once economics as any digital product.
Build mobile apps
If you can code, an app is a product with a subscription attached. Highest skill barrier on this list and the highest ceiling if it lands.
Build a SaaS product
Software people pay for monthly. Needs both the coding and the business side, but recurring revenue is the most durable income on the whole list.
Start a membership site
Recurring revenue for ongoing access, community, and updates. The retention work is real, but predictable monthly income changes how you run everything else.
Sell someone else’s thing
Affiliate marketing
Recommend products you actually use and earn a commission on the sale. No product, no inventory, no support. My oldest and steadiest income stream.
E-commerce
Buy or make products and sell them through your own store. More moving parts than digital, but you own the customer and the catalog.
Dropshipping
You sell, a supplier ships. No inventory to carry. Margins are thin and the supplier controls your customer experience, so pick partners carefully.
Amazon FBA
Send inventory to Amazon and they handle storage, shipping and returns. Real upfront cost, but you inherit the biggest buying audience there is.
Become a social media influencer
Sponsored posts and brand partnerships. Income follows trust, not follower count, which is why small accounts with a clear niche often out-earn big vague ones.
Sell collectibles
Buy rare or limited items below market and resell. Profit lives entirely in knowing the category better than the person selling to you.
Sell shoes
A specific, surprisingly liquid resale market. Sneakers move fast and price data is public, which makes it one of the easier flips to learn.
Flipping websites and domains
Buy an underperforming site, improve the traffic and income, sell it for a multiple. You need the skills first. Do this after you have grown one of your own.
Build an audience that pays
Publish a blog
Pick a niche, answer the questions people search, and monetize with affiliate links and your own products. Slow, then permanent. Most of my traffic still starts here.
Start a YouTube channel
Ad revenue plus everything the channel sells for you. It builds trust faster than any other format, which is why a video can convert someone who read ten posts and never bought.
Podcasting
Sponsorships, ads, and merchandise. The most intimate format there is. Audiences are smaller than video but tend to buy at a much higher rate.
Newsletters and paid subscriptions
The one audience nobody can take from you. Free readers turn into paid ones, and paid ones turn into buyers of everything else you make.
Crowdfunding
Pitch a project and let an audience fund it before it exists. Kickstarter, Indiegogo, GoFundMe. Works when you already have people who want the thing.
Small money, fast
These will not replace an income. They are useful for a first payout while something real is building, and that psychological win matters more than the money.
Online surveys
Low pay, low effort, genuinely easy to start. Fine for filling dead time. Never treat it as a plan.
Online focus groups
Pays considerably better than surveys because sessions are longer and screened. Worth signing up for a few panels and waiting for an invite.
Website and app testing
Companies pay for real people to click through and narrate what confuses them. Short sessions, decent per-hour rate when the work is there.
Amazon Mechanical Turk
Micro-tasks for businesses and researchers. Pennies per task, but it is always available and pays out reliably.
Product testing and reviews
Get sent products, give honest feedback, sometimes get paid on top. Often the on-ramp into affiliate and influencer work.
Online sweepstakes
Not income. Luck. Included because it shows up on every list like this one, and because you should know the difference before you spend a week on it.
How to actually pick one and start
The list is not the hard part. Choosing is. Here is the order that works.
Pick your bucket before your method
Decide whether you are selling time, a product, someone else’s product, or building an audience. That single choice eliminates thirty of the forty.
Choose the one you would still do in a year
Not the highest number. The one you would keep doing on a bad week. Interest is the only thing that survives long enough to compound.
Get one dollar in fast
Any amount. It converts this from a theory into a business in your own head, and that shift is worth more than the dollar.
Start the email list on day one
Every platform can change its mind about you overnight. Your list cannot. Do not wait until you have an audience to start collecting one.
Publish on a rhythm you can hold
Twice a week forever beats daily for three weeks. Set the cadence to your real life, not to somebody else’s hustle calendar.
Add a second stream only once the first works
Stacking is how this becomes real money. Stacking too early is how people end up with six half-built things and no income from any of them.
Move up the buckets over time
Start where money comes fastest, then reinvest that time into things that keep paying after you stop touching them. That is the whole arc.
Want the stacking order written out?
Side Hustle to Six Figures is how these pieces fit together into one income instead of forty disconnected side projects.
Get Side Hustle to Six Figures →“A list of forty options is not opportunity. It is paralysis with a headline. Pick one and give it a year.“— Lori Ballen
The 3-Bucket Business Field Notes
How I split a one-person content business into three buckets so I always know which one needs work. Short, no fluff, straight to your inbox.
The written versions of this system

Side Hustle to Six Figures
How the pieces stack into one real income instead of a handful of disconnected side projects that each earn a little.

From Idea to Income
Taking one idea and turning it into a product people actually buy, from the first outline to the finished thing on a storefront.
Close the list. Pick one. Start this week.
Not ready to buy yet? Grab the free field notes above, or get Letters from Lori for more field notes.
Hey there! Just a quick heads-up: some of the links on this site are affiliate links, meaning I may earn a small commission if you make a purchase (including through the Amazon Associates program), at no extra cost to you. Occasionally, products featured here are gifted by brands.
I also use AI tools to help research and create content for you! While I love sharing strategies to help you succeed, please remember that everyone's journey is unique—individual results vary, and there are no guarantees. Thanks so much for stopping by!
This couldn’t have come at a better time as I was just grappling with this exact challenge in my own project. Your tips saved me hours of trial and error. I especially appreciate how you included both the ‘what’ and the ‘why’ behind each recommendation.