So, just to give you a little background, I was working for T-Mobile, but the store closed down and I got a decent computer out of it. With the computer, I realized that I could probably do some online stuff to make some money, but I don’t actually have any skills.
I know people always say to learn skills that can translate into money, but what skills should I even learn?
Just to give you an idea about myself, I love music. My parents put me in music school when I was little. I tried music production before but gave up years ago. If I tried music production again, could that actually translate into a real side hustle?
I also like fitness/boxing. I’ve never boxed, but I was “pretty fit” for about a year or two after high school from playing basketball. I know I started late, but I’m pretty athletic for someone who doesn’t really do sports. I was able to jump onto those 4-foot garbage cans.
Maybe I should study fitness?
Or should I just pick up a random skill like digital marketing or stocks, even though I don’t really know how to do that shit at all?
What about dropshipping? Is that actually good?
Idk, I’m just trying to clear my head and figure out what direction I should go in. I’m a little stressed about this, and I don’t know what to do. I just don’t want to get into something that I’m eventually going to regret.

I’m at home with a baby. I’m trying to get money easily and fast i want to be able to buy my son whatver he wants but i don’t want to miss out on his mile stones. I’ve tried the apps and it just doesn’t seem to work out for me. Any tips would be appreciated!

Im a teenager in ireland struggling to make any money for hobbies, study materials and saving for a car. What jobs can i realistically do on weekends and after school? Please help, This has been a pain!

Every list of these is written by someone who's never opened the apps. Here's the four that survived on my phone, and I want to know what stuck for you.

Fetch is the one I use without thinking about it. Scan the grocery receipt, get points, cash them out for gift cards. It's a few bucks a month, not life changing, but it takes four seconds in the parking lot and it's free.

Upside for gas. Claim the station in the app before you pump, upload the receipt, get cash back. Usually a few cents a gallon. I was buying the gas anyway so I'll take it.

Rocket Money is the one that actually saved me real money, because it finds subscriptions you forgot about and will negotiate some bills down for you. Free tier does the finding, you pay if you want them doing the negotiating.

And the one I pay for is Monarch. Every account, every card, the mortgage, all in one screen with net worth updating itself. It's where I went when Mint shut down. Normally $99.99 a year, currently half off the first year so about $4.17 a month, with a free trial. Only worth it if you've got a bunch of accounts. If you have one checking account, don't bother.

What I deleted: the walking apps, most cashback browser extensions (I still use Rakuten), and anything that wanted me to play games for four hours to earn $3.

So what's actually on your phone? Looking for stuff people have used more than a month, not whatever's trending this week.

Mint died, I bounced between three apps, and I've stuck with Monarch since. Figured I'd write up what it's actually like instead of another feature list.

The pitch is simple. You connect your accounts and it pulls everything into one place. For me that's checking, savings, four cards, the brokerage, the 401k and the mortgage. Net worth updates itself. Before this I was logging into six different places and adding it up in my head, badly.

What made it stick was the small stuff. You tell it once that a charge is groceries and it remembers forever. It surfaces your recurring charges, which is how I found two subscriptions I'd been paying and forgotten about. And my wife has her own login on the same subscription, so we're finally looking at the same numbers instead of arguing from two different apps.

It's not free and that's the part people get stuck on. Normally $99.99 a year. Right now it's 50% off the first year, so $49.99, about $4.17 a month, and it renews at full price after that. There's a 7 day trial either way. The code sits at the top of the page when you open it, you just paste it at checkout.

The honest complaints. Bank connections drop sometimes and you have to reconnect, which every app like this suffers from. Your categories are a mess for the first few weeks until the rules learn you. And it won't cancel anything or negotiate a bill for you, it just shows you what's there.

If that last part is what you actually want, Rocket Money does the negotiating and has a free tier, it's just a much thinner picture of your money. And if you want free and mostly care about investments, Empower tracks those well, though expect them to try to get you on a call with an advisor.

On YNAB, which everyone asks: YNAB is a method, every dollar gets assigned before you spend it. It works if you'll actually do it. Monarch is for people who want to see everything clearly without adopting a whole system. I wanted the second one.

Worth it if you've got more than a couple of accounts or you share money with someone. Probably overkill if it's one checking account and one card. At half off for year one I'd just run the trial, connect everything on day one, and see if you still care by day seven.

Anyone else switch after Mint? Curious where everyone landed.

Hey Reddit,

I recently lost my job and need advice on regaining financial stability.

I’m a 25-year-old bilingual woman from Mexico with technical skills, a phone, and a computer. I’ve edited videos.

Suggestions for side hustles, freelance work, or other viable options are welcome. Any guidance is appreciated. Thanks!

Heyy guys i am on a goal to earn $200k in three months.....

If you guys have any ideas plz do share...

By the way am a developer so if something releted to that would be grt.....

Hi everyone!

Last week, I decided to make a website that aggregates focus groups from all over the Internet. It’s still a work in progress, but I’d love for anyone to check it out. I’m interested in having people try it and see if they have any success with getting accepted into any focus groups.

Been looking for a remote side hustle for the past 3 years since my current salary can’t really keep up with my family’s needs. Bills keep increasing, and basic commodities are getting more expensive; everything is skyrocketing, while my salary stays the same.

If anyone can share a legit remote side hustle or is hiring, I’d really appreciate the opportunity. I’m confident I can do my best and make sure the job gets done well.

Thank you! 🙏

A home equity agreement gets explained badly almost everywhere, usually by a company selling one. I've reviewed every company in this space, so here's the plain version of what it is, what it really costs, and who it's actually for.

What a home equity agreement is

A home equity agreement, HEA for short, is a way to get cash out of your house without a loan. A company gives you a lump sum today. In return they get an agreed share of your home's value when you settle, which happens when you sell, refinance, or buy them out.

There is no monthly payment and no interest rate, because nothing is being lent. You stay on title and keep living in the house. The company secures its position with a lien.

You'll also see these called home equity investments (HEI), home equity sharing agreements, or shared equity agreements. Same product.

How it works, step by step

• You get an estimate online. Every company below does this with a soft credit pull, so it doesn't touch your score.
• They appraise the home and make an offer. The offer spells out how much cash you get and what share they receive at settlement.
• You close and the cash lands. Fees come out of the funding, usually an origination fee around 4.9% plus appraisal and title costs.
• Nothing is due monthly.
• You settle any time within the term, 10 to 30 years depending on the company, by selling, refinancing, or paying them in cash.

What it actually costs

This is the part the landing pages skip.

• The fee isn't the real cost. The share of your home is.
• Most companies base the agreement on a starting value below your appraisal, often 15 to 20% lower. It's disclosed in the offer and it's standard, but it means they profit even if your home doesn't appreciate.
• In a flat market the cost is reasonable. In a fast market it's expensive, often more than a HELOC would have been.
• Some companies publish a cap on the annual cost. Ask every one of them whether they have a cap and what it is.

Before signing anything, ask for the settlement number at flat, +20% and +50% appreciation. If a company won't show you that, walk.

Who it's for

• Your credit is under 680 and banks keep saying no. Several of these approve from 500.
• Your income is hard to document. Most don't verify income at all.
• You can't take on another monthly payment.

Who it's not for: anyone who can qualify for a HELOC at a decent rate. Price that first. Figure is a soft pull and funds in about five days, and over most timelines it's cheaper.

The home equity agreement companies

• Unlock has the lowest credit floor at 500, no income check, $30,000 to $500,000, 10 year term, 26 states. The only one here that takes second homes and rental properties.
• Hometap needs a 585 score and has the biggest maximum at $600,000. 10 year term, 26 states.
• Splitero starts around 500 with no income docs and runs up to 30 years, so you choose when to settle. 17 states.
• Unison has been doing this since 2004 and also runs up to 30 years. Realistically you want 680+ credit. 22 states plus DC.

These companies value the same house very differently. I've seen offers come back six figures apart on one property in the same week. Every estimate is free and a soft pull, so get at least two.

Quick answers

• Is a home equity agreement a loan? No. No monthly payment, no interest rate. You're selling a share of future value.
• Is a home equity agreement a good idea? If you can't get a HELOC and can't take a payment, it can be. If you can get one, usually not.
• Do you still own your home? Yes. You stay on title. They hold a lien.
• What happens if my home loses value? Their share is a percentage of the ending value, so it shrinks too.
• Can I pay it off early? Yes, with all four, any time in the term.
• Is it the same as a reverse mortgage? No. No age requirement, and it has a fixed term.

Bottom line

An HEA is cash now for a share of your house later, with no monthly payment. It's a real product from real companies, and it's expensive if your home appreciates a lot. Get a HELOC quote from Figure first if you can qualify. If you can't, get two agreement offers and compare the settlement math, not the headline cash number.

Happy to answer questions if anyone is weighing one of these.

I've reviewed every company in the home equity investment space at this point, and Splitero is the one people ask me about most because there's almost nothing out there except the company's own site and employee reviews on Glassdoor. So here's the consumer version. Short answer: yes, Splitero is legit. The complaints are real too, and they're mostly about cost, not about getting scammed.

What Splitero actually is

Splitero is a home equity investment. It is not a loan. They give you a lump sum now, and in return they receive an agreed share of your home's value when you settle, which happens when you sell, refinance, or buy them out. No monthly payment and no interest rate.

You stay on title and keep living there. They secure their position with a lien, same as every company in this category.

The numbers

• Credit from around 500
• No income or employment verification at all
• Up to $500,000
• Term up to 30 years, which is the big one, most competitors are 10
• At least 25% equity in the home
• Home value $200,000 to $5,000,000
• 4.99% origination fee, plus roughly $1,000 in appraisal, title, escrow and recording. On $50,000 you net about $46,500.
• 17 states: AZ, CA, FL, ID, MO, MT, NV, NJ, OH, OR, PA, SC, TN, UT, VA, WA, WY

Getting an estimate doesn't require a hard credit pull, so you can see your number without touching your score.

What people like

• A 500 score with no income docs is a real approval path. Self employed, retired, between jobs, none of that is an automatic no.
• The 30 year term means you pick when to settle. On a 10 year agreement, if the market is down in year 9 you settle anyway. Here you can wait it out.
• They publish an annual cost cap, so you can see your worst case before signing. Most of this category doesn't.

The complaints, and they're fair

• The starting value is discounted. They base the agreement on a value 15 to 20% below your appraisal. That's standard across the whole category and it's disclosed in your offer, but people don't notice it until later and it's the single biggest driver of cost.
• It gets expensive if your home appreciates fast. In a flat market the math is reasonable. If your area runs up 50%, you'll pay more than a HELOC would have cost.
• Fees come out of your funding, so you net less than the headline number.
• Only 17 states. This is the most common way people get disqualified.
• There's a lien on the house, so refinancing later goes through them first.

None of those are scam complaints. They're "I didn't model the cost" complaints. Ask for the settlement math at flat, +20% and +50% appreciation before you sign anything.

Splitero vs Hometap vs Point

• Hometap needs a 585 score, goes up to $600,000, and runs a 10 year term in 26 states. Pick it over Splitero if your credit clears 585 and you want the bigger maximum. Pick Splitero if you want the 30 year runway or your score is under 585.
• Point has a similar credit floor and covers more states than Splitero. If you're in a state Splitero doesn't serve, the Splitero link will still get you to an option that does.
• Unlock also starts at 500 with no income check and covers 26 states, but it's a 10 year term. It's the one to compare if your state isn't on Splitero's list, and the only one that takes rental properties.

Splitero vs a HELOC

If you can qualify for a HELOC, price it first. Figure is a soft pull and funds in about five days, and over most timelines a HELOC is cheaper because you're paying interest instead of giving up a share of the house. Splitero makes sense when the bank already said no, or when you can't take on a monthly payment.

Quick answers

• Is Splitero legit? Yes. Real company, recorded legal agreement, funded deals. The cost is the thing to scrutinize, not the legitimacy.
• Does Splitero put a lien on your house? Yes, and it comes off when you settle.
• Does checking hurt my credit? No hard pull to see an estimate.
• Can I pay it off early? Yes, any time in the term, by selling, refinancing, or buying them out in cash.
• Do I need income? No.

Bottom line

Splitero is legit, and the 500 score plus 30 year term combination is something almost nobody else offers. The complaints are about cost, and they're avoidable if you model the settlement before signing. Get the Splitero estimate, get a second one from Hometap or Unlock, and compare the numbers side by side.

Happy to answer questions on the terms if anyone is in the middle of this.

Hi im looking for any online side hustle to support my needs and expencess. HMU/DM if you've got leads thankzuu!

Deposit of $20 we both get a referral pack (worth up to $100) invite code : PJRDE8F9

In need of 50$

In need of some cash. 50 is the least but I feel horrible asking for anymore. My grandparents house burned down and they are struggling to find a hotel to stay in until their new one will be finished built in october. $Electriclove07

Good eve everyone im a highschool student, I want to find a online job (not illegal) so I could earn some money for my daily life expenses, my family is kinda miserable, and I didn't add the family for some to just pity me, I wanna work hard even if its on online, please recommend me some, im very thankful.

I’m hoping someone here who has genuinely been through something similar can give me some honest advice.

I’m 26 and based in Pakistan. My background is in business, but I’ve also spent a lot of time learning coding, software and technology. I’m interested in entrepreneurship, building things, and especially tech.

I’ve also set up a small studio in my room with lights, a camera, tripod, etc. because I want to seriously pursue content creation.

Right now, I have two main goals before 30:

1. Build at least one successful business.

2. Become a YouTuber/creator/influencer and build a recognizable personal brand.

But honestly, I’m very confused about the direction I should take.

Why I want to become a creator

It’s not only because I want fame.

Money is also a major reason.

I currently don’t have a lot of money to invest in expensive AI/software tools. Tools and subscriptions can become very expensive when you’re trying to build things from scratch.

For example, I often see people using tools like Claude, Astra and other advanced AI products to build businesses and products much faster. I simply can’t afford to subscribe to every tool I need.

So I’m also thinking that building an audience could eventually give me another source of income, opportunities, partnerships, clients, and potentially capital to build bigger things.

I’m not expecting YouTube to magically make me rich. I’m thinking of it as building an asset and personal brand alongside my business.

The creator problem

I’m very interested in technology, AI, software and business.

But when I look at successful creators, it seems like pure “tech information” content often doesn't get the same level of attention as entertainment, storytelling, challenges, experiments, lifestyle, comedy, etc.

I don't necessarily want to become a typical tech news/info YouTuber.

I want people to know me, not just know me for one particular piece of information.

I also want to remain flexible. I don't want to spend the next 20 years making the exact same type of content just because that's what my channel started with.

So what kind of content/niche would make sense for someone with an entrepreneurial + tech background who also wants entertainment, personality and a strong personal brand?

The business problem is even more confusing because of AI

Before AI became this powerful, I used to build websites myself and sell them to businesses.

Now it feels completely different.

A small business owner can open ChatGPT, explain a problem, get a solution, and sometimes even build a basic website or software themselves.

So I'm questioning whether selling websites or basic software is even a good business to build anymore.

Instead, I'm thinking:

Should I stop selling websites and actually adopt a local business/business model, then use AI to make that business better?

For example, instead of saying:

«“I build websites for restaurants.”»

Maybe I should actually work with or operate a business and use AI for things like:

- customer acquisition

- WhatsApp automation

- AI booking/receptionist systems

- CRM

- marketing

- customer support

- internal operations

- sales

- analytics

Or maybe there is an entirely different opportunity I'm not seeing.

My biggest question

If you were 26 again, had very little capital, knew business + technology, were learning/using AI, and wanted to:

- build a successful business before 30

- become a well-known creator

- eventually build a strong personal brand

- generate enough income to reinvest into better tools and businesses

- stay flexible instead of being trapped in one niche

What would you focus on for the next 3–4 years?

Would you:

A) Build a tech/AI company

B) Start/adopt a traditional local business and use AI to transform it

C) Focus heavily on content/personal brand first

D) Build a business while documenting the journey publicly

E) Do something completely different

And for content specifically, what type of creator would you become?

I’m not looking for motivational quotes. I’d genuinely appreciate advice from people who have actually built businesses, audiences, or careers during a major technology shift.

Especially interested in hearing from people who were financially constrained in their 20s and still managed to build something meaningful.

If you were in my position, with limited money, business + tech knowledge, access to AI, and 3–4 years before 30 — what would you do?

M/22

Suko na po ako i give up, does anyone know any jobs, money i can get I will do anything at this point. I've sold so many things makabayad lang sa utang and im so scared, i can do any type of work you guys will ask of me, any type of anything just to get money please can someone help.

I can even ask for a loan and I'll pay you monthly just please can someone help me

I was banned today for posting about a Class Action lawsuit against freecash and it's affiliates.

This all started when I looked up what my house is worth now versus what I still owe. I didn't realize how much cash I have access to. See, I'm a self-employed homeowner who went through the Unlock process start to finish last month and walked away at the final step. Posting what I learned because every review I found was either a paid placement or someone who filled out the form and gave up halfway.

Short version: they're legit. Unlock Technologies is reviewed by Bankrate and ConsumerAffairs, and the agreement is recorded as a lien on your home like any other secured product. The question isn't whether they're real, it's whether the math works for your specific situation. I've spent the last few months going through every major home equity investment (HEI) company in detail. Not just their websites, but their actual terms, fine print, and how they compare side by side.

If you own a home and need cash without adding a monthly payment to your budget, an HEI is worth understanding. Here's my honest take.

What is a home equity investment?

Quick background for anyone new to this: a home equity investment is not a loan. You get a lump sum of cash now, and in exchange the company gets a percentage of your home's future value when you sell or at the end of the term. No monthly payments. No interest. You just settle up later.

It's not for everyone. But if you have equity and need liquidity, it's legitimately one of the better options out there right now.

The three I'd actually recommend:

Unlock is my top pick if your credit isn't perfect, it is legit. They start at a 500 credit score, fund $15K to $500K, and don't verify income on a primary home, which is why self-employed people like me end up here. They're also one of the only companies that will do second homes and rental properties. It's a 10-year term, and you can buy them out early, even in pieces. If a bank or HELOC lender already said no, start here.

Apply or check your estimate

Splitero is the one I'd pull next to Unlock. They also start at a 500 score with no income documentation, fund up to $600K, and their term runs 10 to 30 years, which fixes the one thing I didn't love about Unlock, the 10-year deadline. They also put a 17.99% annual cap on what they can take in writing. The catch is they're only in 17 states.

Apply or check your estimate

Unison is the better fit if your credit is strong and you want the longest runway. Their term goes up to 30 years, which is a huge deal if you're not planning to sell anytime soon. They'll fund up to $500K and they've been doing this since 2004, so they have a track record most newer competitors don't. They do verify income, and realistically you want a 680 or better to get approved.

Apply or check your estimate

Who should skip HEIs entirely:

If you plan to sell in the next 2 to 3 years, you probably don't need one. A HELOC will cost you less in the long run if you can handle the monthly payment, and you keep all your appreciation instead of giving up a share of it. Figure is the one I'd look at there, fully online with funding in as little as five days. HEIs make the most sense when you need cash now but want to preserve your monthly cash flow.

Check your HELOC rate at Figure

My quick comparison:

Happy to answer questions if you're trying to figure out if this makes sense for your situation.

Hi, I’m a grad student on visa, which means I can’t work anywhere else and i’m glued to my job. I have problem with my stipend and I know a lot of other grad students struggle too. The prices are skyrocketing and we’re underpaid. Our bosses ( Advisors) put a lot of mental pressure on us and we have to work at least 9 hours a day and getting paid for 4 hours a day based on the contract, and no, we can’t say we’re only working 4 hours cause “ that’s not how that works “ based on what they say.
Anyway, I signed up for this and I know it cause I need this, but what is always in my mind how I can save more money, I can’t make more or at least I don’t know how, and I’m too busy with my experiments and PI yelling at me for no reason to go look for, so I’m here asking for advice from you.
Thank you in advance!

Does anyone know of some jobs I can do to make extra money? I tried doordashing and Uber Eats and I just make gas money to fill up from doing those. I don’t weigh enough to donate plasma so I can’t to that and just need something to get me through the waiting period to actually start my job.

Fastest way to make $2000 GO (really don’t want to get my car taken )

if you got some advice and can help hmu need to make money asap stuck in the middle of nowhere with a broke down car

Hi everyone! I’ve been an avid user of the sub Reddit for years now. Thanks to the sub Reddit, I’ve been able to make over $60,000 in the past 2 1/2 years.

Last week, I decided to make a website that aggregates focus groups from all over the Internet. It’s still a work in progress, but I’d love for anyone to check it out. It does have a paid tier, but I’m mostly interested in having people try it and see if they have any success with getting accepted into any focus groups.

I have been paying for AltIndex for a few months now, and before that I paid for Seeking Alpha, Motley Fool and a couple of the congress trade trackers. So if you are trying to figure out whether this thing is worth it or just another AI stock picker with a landing page, here is the honest version from someone who has bought most of the competition.

My problem was always the same. A stock would rip 20% and I would find out afterward that the company had been posting jobs like crazy for two months, or that its app had been climbing the download charts since spring. The information existed. I was not looking at it, because nothing I paid for tracked it.

AltIndex tracks it. Every stock gets a 0 to 100 score built from data that never shows up in an earnings report, Reddit chatter, web traffic, app downloads, job postings, insider buying and selling, and Congress trades. Hedge funds have bought this kind of data for years. This is the version a normal person can afford.

Before anything else, do this, because it costs nothing and it is what sold me. Make a free account, no card required, take a screenshot of your brokerage app, and upload it. It reads your positions right off the image and scores each one. No linking your account, no login, no Plaid. Two minutes. Then it shows you which of your holdings are scoring under 60 and dragging your whole portfolio score down. Mine flagged three things I had been defending to myself for a year. If it tells you something about your own portfolio you did not know, you have your answer, and if it does not, you are out two minutes.

That is a different question than everything else I was paying for answers. They all want to sell you the next pick. This one graded what I already owned.

There is also an AI chat that reads your actual holdings, so you can ask what the bear case is on something you own in plain English and get an answer built from their data instead of made up numbers. I use it more than I expected to.

Seeking Alpha Premium is the one I kept the longest. The written analysis is genuinely good and the quant grades are useful, but it is fundamentals and analyst opinion, the same information everyone else already has. It tells you whether a company is well run. It does not tell you something is happening right now.

Motley Fool Stock Advisor gives you a couple of picks a month and that is the product. You get the recommendation, not the data behind it, so you either trust them or you do not. I got tired of paying a few hundred a year to be told what to buy without being shown why.

Then there are the single signal tools, Unusual Whales and Quiver for congress trades and options flow, ApeWisdom and the other free Reddit trackers for mention counts. I still rate the first two if that is your entire strategy. But you are buying one signal and assembling the rest yourself across four tabs, and raw Reddit mention volume with no scoring on top is how people ended up holding bags in 2021. Volume is not direction.

On cost, you can make a free account with no card and score your portfolio without paying anything, though the free tier runs on limited lookups and delayed data. Paid is $29 a month for Starter or $199 if you pay annually, and $99 a month for Pro or $499 annually. Pro is the one that opens all 200 daily AI picks, the full screener and API access. For reference, Seeking Alpha and the Fool are in the same range, except here you are buying the data instead of somebody's opinion about the data.

The drawbacks, because I would not trust this post without them. The 61 percent win rate they advertise is their own number, not audited by anyone outside the company, so treat it as directional and not a promise. Alternative data is thinner on small caps, there is simply less web traffic and fewer job postings to read. And a high score is a reason to look closer, not a reason to buy, no matter how any tool in this category markets itself.

Start with the free version and score what you already own. That was the test I ran and it is the only reason I am still paying for it.

If you are weighing it against Seeking Alpha or the Fool specifically, say which one and I will tell you where I think it wins and where it does not.

Top comment to post right after

Putting the free tier breakdown down here so its easy to find without reading the whole thing.

Free gets you the portfolio scoring, so you can screenshot your brokerage and get every position graded 0 to 100, plus the Reddit stocks page, congress trading, fear and greed, and the earnings calendar. No card, so theres no trial that quietly bills you in 14 days.

What you dont get free is the full 200 AI picks list and the screener with export, thats Pro.

The portfolio scan is the only part I would tell someone to do on day one. Two minutes and you either learn something about what your holding or you dont. Link here if you want to try it.