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[ad_1] The post 13 Best Side Hustles for Couples appeared first on Millennial Money. Money is rarely simple in relationships. After all, you’re both grinding at full-time jobs and trying to stash away savings. At the same time, you also want enough to enjoy date nights out. If you’re looking to give yourselves more financial flexibility, there are plenty of reasons to look into starting a shared side hustle. For starters, you’re working with two skill sets instead of one. As such, you can divy up tasks that play well to each of your strengths. Plus, you can pool your money to cover any potential startup costs. If financial freedom is what you’re looking for, why not chase after it together? In this post, I’ll cover how to make money online with the best side hustle ideas for couples. From quick cash in your free time to starting a bona fide small business, keep reading and you should walk away with a plan that works well for both of you. Table of contents How Do You Choose a Side Hustle? 13 Best Side Hustles For Couples 1. Invest in Real Estate 2. Open an Etsy Shop 3. Monetize Social Media 4. Become Virtual Assistants 5. Start an Online Business 6. Become Sitters 7. Start a Blog 8. Rent Your Place with Airbnb 9. Sell items on Craigslist or eBay 10. Take Online Surveys 11. Drive for Uber or Lyft 12. Become Freelancers 13. Get Cash Back with Rakuten Frequently Asked Questions  What Jobs Can Couples Do Together? What Are Good Side Hustles in 2022? What Are the Highest Paying Side Hustles? The Bottom Line How Do You Choose a Side Hustle? As you begin thinking about starting a side hustle, each of you should make a list of what you’re interested in and good at. This should help narrow your focus and get you thinking in the right direction about a side hustle that makes sense. Once that’s done, compare your lists and identify any skills or interests that are compatible—and could lead to a profitable side hustle. When it boils down to it, the key to a successful side hustle is the combination of doing something you love and providing real value to customers. After all, you won’t stick with doing something you hate, and you won’t make any money if there isn’t a market for it. Once you have a viable idea, it’s time to get to work. To help get the gears turning, let’s take a look at the 13 best side hustle ideas for couples. 13 Best Side Hustles For Couples 1. Invest in Real Estate Think about those HGTV shows where couples flip houses together. Seems fun, right? Fortunately, you don’t need to be a contractor and a broker to invest in real estate together.  Real estate investments can be a great source of passive income, and you can get started with crowdsourcing platforms like Fundrise and Arrived Home. In case you’re unfamiliar, Fundrise is an app that allows you to invest in real estate with as little as $10. With the funds from its investor network, Fundrise acquires properties that are undervalued or have growth potential. As the property values increase over time, you get returns on your investment. Arrived Home is similar but instead focuses on rental properties. You can buy shares of a property, and you earn money on both rent payments and the appreciation of the building. Plus, you can get started with as little as $100 upfront. Both platforms encourage investors to think long term. After all, returns in real estate take time. So, if you’re thinking about investing in real estate, you need to plan for the long haul. Fundrise Fundrise offers crowdsourced real estate investing, most real estate investing platforms are only open to accredited investors, but Fundrise makes it accessible to all investors. Get Started 2. Open an Etsy Shop If you’re a crafty couple, selling your handmade goods on Etsy can be an excellent way to earn a side income. Etsy is the go-to digital marketplace for unique products, and you can set up your own shop in just a few minutes.  After you’ve determined what you plan to sell, you can customize your shop’s aesthetic and start promoting it. Of course, quality products should be your main focus. But it’s also your job as a couple to get people in the door. Etsy allows you to design your page in whatever way fits with your brand. You can upload photos and customize your banner or add a brief welcome message to let buyers know what you’re about.  Once you’re ready to open the proverbial doors to your store, it’s time to think about promotion. Your social media accounts can be useful tools in this endeavor. But you also want to make sure that your page is optimized for search engines so that regular web users can find it organically.  The main thing to consider with Etsy is your overhead. It’s not a free platform, and you’ll need to pay fees for all listings and transactions. Add these to the cost of shipping and materials, and your expenses can add up. With this in mind, you need to be intentional when you set your prices.  3. Monetize Social Media If you’re the type of couple who loves social media, you might want to look into becoming influencers. This can be a fun and potentially lucrative project. There’s tons of money to be made on social media through brand partnerships. And with the right content, you can get in on it. By working together, you’ll be able to expand your reach and potentially target more people. You and your partner might appeal to different demographics, so you’ll cast a wider net as you try to build a following. Of course, you can take this in a few different directions. Depending on your strengths, you could start a YouTube channel, post on Instagram or TikTok, or try

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[ad_1] The post How to Start a Side Hustle: Your Guide to Making Extra Income appeared first on Millennial Money. These days, everyone will tell you that if you want financial freedom, you need to start a side hustle—this blog included! That’s all well and good, but what exactly does that entail? And how can you start a side hustle while working your current job and not totally lose your mind? It sounds tricky, but let me tell you, it can be done. All it requires is a plan, prioritization, patience, and some . . . well . . . hustle on your part. In this guide on how to start a side hustle, I’ll take you through the steps to finding the perfect second job and earning extra money, all while holding down a full time job. Let’s get started! Table of contents What Exactly Is a Side Hustle? Side Hustle vs. Moonlighting How to Start a Great Side Hustle While Keeping Your Day Job 1. Decide What You Want to Do . . . And Why Do You Just Need Quick Extra Cash? Do You Need Extra Income? Do You Want to Be Your Own Boss? Do You Want to Satisfy Your Creative Needs? Do You Hate Working? 2. Make Sure You Can Start Your Side Hustle 3. Make a Business Plan 4. Get Legit 5. Market Yourself 6. Get Your First Paying Customer 7. Don’t Quit Your Day Job (Just Yet)! Frequently Asked Questions (FAQs) How Can You Take Advantage of Free Resources When Starting a Side Hustle? How Much Money Should I Invest in a Side Hustle? The Bottom Line What Exactly Is a Side Hustle? The term “side hustle” might be trendy right now, but the concept is nothing new. As long as people have had jobs, they’ve worked on side projects to make extra money or to eventually become their own boss. That’s exactly what a side hustle is: an enterprise or small business that you run in addition to your day job. There are tons of reasons to start a side hustle. For many folks, it’s because their full time work doesn’t cover all of their expenses. For others, it’s to get a head start on a new career. And for some folks, it’s because they just don’t find their day job personally rewarding. Think: graphic designers who sell artwork on the weekends to fulfill the creative urges that their desk job just doesn’t satisfy. Working a successful side hustle can also help you hit some short-term money targets, too. By making extra income, you can do stuff like pay off your credit cards or student loans faster. Side Hustle vs. Moonlighting You might have heard the term “moonlighting.” This concept is similar to a side hustle, with a big exception: Moonlighting tends to involve working for someone else on the side. With a side hustle, you’re the business owner. This is a key mindset change you need to make. Even if your side hustle involves freelance writing or becoming a virtual assistant, you have to think of yourself as an entrepreneur who is working with clients. We’ll get into this more in just a minute. But for now, trust me—this mindset shift will make a huge difference to your success as a side hustler. How to Start a Great Side Hustle While Keeping Your Day Job The best side hustles are treated like businesses. That’s because that’s exactly what they are. When you have a side hustle, you’re an entrepreneur. Whether you’re a freelance writer, a social media manager, or selling tie-dye shirts out of a van (don’t knock it), you are a small business owner. And because you shouldn’t just plunge willy-nilly into a business venture, it pays to be methodical when starting a side hustle. Here are the steps I recommend to get you started. 1. Decide What You Want to Do . . . And Why First, spend some time being honest with yourself about why you want to start a side gig. This will help you determine what type of side hustle to start. Below are a series of questions you should to ask yourself.  Do You Just Need Quick Extra Cash? If making a few bucks to cover an upcoming expense or to pay off your credit card debt is your “why,” consider an easy source of additional income with no startup costs. For example, starting a dog-walking business through Rover or delivering groceries with Postmates. Do You Need Extra Income? If your main “why” for starting a side hustle is because you’re not making enough money at your day job to make ends meet, you may want to consider asking for a raise, finding a different full time job, or doing some serious budgeting before starting a business. That said, if you need the additional income, find a side gig that won’t cost you anything to start up—like driving for Uber or Lyft on weekends. Do You Want to Be Your Own Boss? If your reason for starting a side hustle is to eventually quit your full time job and work for yourself, you’ll want to find a sustainable side hustle that will eventually provide you with a full time income. Maybe you already have an idea in mind, like opening a bakery or becoming a motorcycle mechanic. If you have a dream of what you want your next career to be, that’s awesome. If you don’t, consider freelance writing or building a website to make money through affiliate marketing. Believe it or not, there’s a lot of earning potential here. Do You Want to Satisfy Your Creative Needs? Some of us want to start a hustle purely for the love of what we do. If you have an artistic passion or even a hobby you can turn into extra cash while finding personal fulfillment, go for it. Etsy is a great place to get started selling your artwork or handmade items online. And I

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[ad_1] The post Early Retirement Checklist: 15 Essentials appeared first on Millennial Money. If you’re an avid saver and budgeter, and you don’t want to wait several decades to live it up, early retirement might be on your radar.  With some careful planning — and a willingness to slash your expenses — you just might be sipping a White Claw on your boat before you know it.  Early Retirement Checklist An early retirement checklist is essential if you plan to divorce your workplace a few decades early. Being prepared and knowing your numbers will make or break your goal to retire early. Our checklist will help.  Early retirement readiness list: Know your numbers Plan what to do with your time Talk to a financial advisor Budget for early retirement Consider possible side income Prepare your emergency fund Pay off your debt Max out retirement investments Save until it hurts Evaluate your housing needs Prepare for healthcare costs Create a retirement withdrawal plan Learn about social security  Have a life insurance policy in place Do some estate planning  Crunch the Numbers The first step is to crunch the numbers. Determine how much money you’ll need to live on each month and lower that number, if you can.  Take an honest look at how much you’ve saved for retirement thus far and if you can ramp up saving and investing strategies. If you’re not saving at least 20% of your income (50% or more is a much safer bet), you likely won’t be ready to retire early.  You’ll want to consider healthcare and yearly tax costs as well. And if you’re not following a budget to keep debt in check and expenses low, that’s a priority to implement right away.  Crucial numbers to consider for early retirement: How much money you can save/invest each month  — the higher the better.  Do you have a minimum of six months of living expenses in an emergency fund? Estimate your tax payments in retirement; a good bit of investment and passive income counts as income and is taxed — don’t forget to budget that in.  How much money do you currently have invested or saved for retirement? Have you planned for healthcare costs for when you’re no longer employed? Do you have any passive income streams or plan to take on a flexible side hustle to cover monthly expenses if needed?  Create an Early Retirement Plan What do you plan to do with your free time? It may sound like a dream come true to walk away from work at age 37, but have you thought about what to do with the hours in your day? Whether it’s traveling for a while, relocating, or becoming a nomad — your new life can be extremely rewarding if you plan ahead and manage your expectations.   Consider every angle of the life you desire. Write out some possible pitfalls as well as solutions to the unexpected. Better yet, if you have a way to test-drive your early retirement life, you won’t be planning in the dark. Can you do a trial run to implement your plan for several months? Of course, there’s financial planning to do as well. We’ll cover that in more detail below.  Talk to a Financial Advisor The ambitious task of planning for an early retirement is not for the faint of heart. I highly recommend partnering with a qualified financial advisor. They can help you reach your financial goals as well as prepare you for money challenges you might not have thought of. Some advisors specialize in investing and can guide you to a balanced portfolio to maximize earnings.  Professional retirement planning and tax advice is likely to be a solid investment that supports your goals of retiring early.  Set Your Retirement Budget First things first. If you don’t have a current budget to follow now, it’s best to implement one ASAP. You’ll need training and discipline now in order to make a retirement budget stick (and be successful at it).  Unless you anticipate a side job for extra cash flow, your income will likely be fixed no matter what age you retire. Plan very carefully for what monthly expenses will be. Pad that a bit for travel and fun.  One of the best ways to prepare yourself for your retirement budget is to start living it out for a year or two ahead of time. Give it a trial run and see how you do.  Consider Retirement Income Streams Some early retirees choose not to forego all active income. In fact, it can be quite nerve-racking to have nothing new coming in at all.  Drawing on retirement savings or investment earnings will likely be your most steady monthly income. But there are many alternative retirement income streams to choose from.  Real estate investments are a very popular stream of income for retirees.  Owning rental properties — especially when inflation hits — can often result in premium monthly rental income. Others choose to buy houses or duplexes in expensive areas, fix them up, and sell for a profit.  Side hustles are also a dependable income stream. They can be quite flexible and keep you from being bored or feeling like you have no purpose. Consider them a way to dive into something you’re passionate about! Learn More: Side Hustle Masterclass 34 Best Side Hustle Ideas to Make an Extra $2,000/month Passive Real Estate Investing: A Beginner’s Guide Do You Need an Emergency Fund in Retirement? It’s essential to have some backup funds in case of large unexpected expenses. No matter what age you retire, an emergency fund is always a smart idea.  Ideally, this savings account should contain six months’ worth of liquid cash to cover your expenses. If you’re not sure how much you’ll personally need, an emergency fund calculator can get you started.  Pay Off Debt Before Retirement We’ve talked about savings, and now it’s time to face your debt head on. What do you owe on your mortgage? And do

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