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Passive Income Businesses
High-Yield Savings
Earn meaningful interest in HYSA, T-bills, and money market funds.
Startup cost
$1000–$500000
Time to revenue
1 month
Difficulty
1/5
Income range
$50 - $20,000/mo
Overview
HYSA, T-bills, and money market funds pay 4-5% APY on cash with no market risk.
How it works
Move idle cash to high-yield platforms, ladder T-bills for safety and liquidity, automate transfers monthly.
Startup requirements
- Bank or brokerage
- Capital
Estimated startup cost
$1,000 – $500,000
Time commitment
0–1 hrs / week
Income potential
$50 - $20,000/mo
Advantages
- Zero risk
- Truly passive
- Fully liquid
Disadvantages
- Requires significant capital
- Rates change
- Doesn't beat real estate long-term
Who this opportunity is best for
Conservative investors
By the numbers
Scalability1/5
Passive income potential5/5
Difficulty1/5
Risk level1/5
- Skill level
- Beginner
- Weekly hours
- 0–1 hrs
- Content required
- No
- Client work
- No