5 WAYS To INVEST in Your Future With LITTLE to NO MONEY

In this post, we are going to be looking at five different ways that you can invest in your future with little to no money.

I think this topic is super important to have because oftentimes when people here invest they automatically assume that they don’t have enough money to do that. They start thinking “oh I barely have enough to cover my bills how can I invest, oh I don’t have enough money I don’t have 100k saved up I can’t invest” and that’s not the reality of things.

As a matter of fact, the most important and critical ways to invest in your future don’t even cost a lot of money upfront. I think it’s also very important to have this conversation because investing is critical to creating generational wealth.

For a lot of us, we are first in our families or you might be the first to graduate from college or university or even high school in your family, you might be the first in your family to create six or first in your family to become a millionaire.

You might be the first in your family for a lot of different things and because of that, a lot of these conversations weren’t had around the dinner table. They weren’t had at home, they weren’t had on the drive on the way to school.

It’s up to us to educate ourselves and put ourselves in positions to find that knowledge to create the lifestyle that we desire and deserve.

That brings us to example number one of how you can invest in yourself with little to no money. 

How to Invest in Your Future With LITTLE to NO MONEY

1. Educate yourself 

online course

We are very fortunate to live in a time where there is a lot of information readily available for use on the Internet. Gone are the days where the only people who could go to school were rich, privileged, looked a certain way, or were of a certain race.

Now education is available for all of us and it’s also on the internet. Sometimes because of the circumstances you are born in you are put at a little bit more of a disadvantage to acquiring the same type of education that other people do but you can teach yourself a lot of things if you are determined, you were dedicated and you’re passionate about learning.

Gone are the days that the only way for you to get an education is by going to college or a University for years and spending a whole bunch of money.

A lot of the information that you are looking for as a beginner is readily available for you on the internet for free. There are courses that you can take that are a little bit more of an investment, but in the initial stages, a lot of what you want to learn is already on the internet for you.

You just have to go searching for it. Not every single career you can just get educated on the internet or in books or through podcasts. I mean if a doctor, nurse, surgeon, or lawyer told me that they learned everything they know just from the internet, I would be a little bit uneasy.

But if you’re looking to start a business, you’re looking to invest, a lot of the information that you’re looking for is on the internet for you.

You can learn through books, podcasts, blogs, and videos. There are many different resources for you to learn anything that you’re interested in and get that first initial beginner step or beginner guide on the internet all the way up to that intermediate level.

If you’re interested in learning about financial literacy and financial independence through books, the books that I would recommend are Rich Dad Poor Dad, Thinking and Grow Rich, The Automatic Millionaire and Why Didn’t They TeachMme This In School.

These are the four books about financial literacy that I would recommend you reading or getting the audiobook to increase your knowledge on financial literacy.

It’s very important and crucial. It’s critical to your financial independence also, a really good podcast I love is the Earn Your Leisure podcast.

I think that’s a great podcast for you to listen to if you just need something to listen to while you’re on the drive over to somewhere, or you’re just cleaning the house and you want something in the background.

The best way to be confident in something is to be educated on something.  Submerge yourself very deep into financial books, financial podcasts, financial blogs.

Even if you’re watching videos let it be about finances, money-making, and wealth. Acquire as much knowledge. Cut out the unnecessary noise that’s feeding you with garbage.

Those three four-five hours of TV that you’re watching all those movies that you’re watching that are feeding you with nothing, cut those out for some time, and stop binge watching Netflix for some time. 

Read an audiobook take a financial course. Consume forms of media that are investing in yourself instead of consuming media that is draining you.

The best way to invest in your future is to buy some relevant online courses from people who have already done what you want to do.

1. Get a Mentor or Coach 

Educate yourself

Depending on the route that you go, this can be a little bit of an investment upfront. Some people have mentorship programs that you have to pay for and some people have coaching calls that you need to pay as well.

You can get mentorship and coaching for free just by working around certain individuals who you Dean successful by getting their knowledge. But one thing successful people hate it when you say “can I pick your brain”. Do not reach up to them asking them for all this advice on what to do.

If you’re going to be around people who you deem successful, find yourself a way to add value to whatever it is that they got so that you can just be around them and soak up as much knowledge as they got.

The beautiful thing about mentorship and coaching or in even some books is that it’s someone’s entire experience that they Jam pack into a short amount of time.

If you’re looking for someone to coach you or to mentor you and you’re asking for advice, they’ve already gone through years of experience, years of trial and error, years of ups and downs, and financial losses and games that they can summarize and spit out to you and you gain that knowledge.

The crazy thing that I’ve learned from studying successful people and studying the moves of other millionaires and billionaires and successful people or people who I deem successful and one thing that I’ve noticed that a lot of them do if they spent a lot of time and money into mentorship.

They spend a lot of money to just simply be around other people who are successful and to take in what it is that they’re doing to help them become successful.

Mentorship and coaching are very important and it’s not only for the people who are trying to be successful, it’s also for the successful people who are trying to stay successful and become even more successful as well.

Mentorship is super important and that’s one thing that I feel is missing in a lot of communities. There is no mentorship, there is no one who’s already become successful and is helping other people to become successful. Actually, I shouldn’t say there’s no mentorship, there’s just not as much. 

It’s very critical that we have these conversations and that successful people are spreading the word and spreading the knowledge because mentorship and coaching are critical to helping others to get to a place where they’re trying to go.

You can invest some money into mentorship and coaching from a certain individual. You can also intern, work for or just network with people that you feel are successful so that you’re able to soak in their knowledge.

Turn this up into a sponge and soak in everything that’s working for them and everything that is not. Even the things that they don’t tell you.

Soak in their methods, observe how they do things, their processes, how they refine things, how they execute things and how do they plan, organize and execute things.

I remember when I used to work in a corporate job I would love to be around the senior executives, the CEO, and the VP’s. I’d love to be around them because I just wanted to see how they move. I love seeing how they conduct themselves in meetings and are they men of their word?

There are certain characteristics and principles that I see very common in successful people. When I noticed that there’s a certain characteristic that is repetitive amongst all of them, I love emulating that because I noticed it’s a common thread.

Definitely look into some sort of mentorship or coaching from people that you deem successful. Be around them, turn yourself into a sponge and soak up as much knowledge as you can. Try to be very observant of the characteristics and what they’re doing. Even in your workplace setting.

What are the CEOs doing, what characteristics do they possess that help them to become very successful or helps them to be effective leaders? Once you’ve identified that make it your mission to emulate it in your practices. 

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Crowdfunding is the next way to invest in yourself and invest in your future using no money or little to no money. Robert Kiyosaki talks about this in his book Rich Dad Poor Dad where he talks about investing with other people’s money.

3. Crowdfund 


Crowdfunding is the practice of funding a project or adventure by raising small amounts of money from a large number of people and typically this is done through the internet. 

Some very popular websites to do this on, are Kickstarter, IndieGoGo, and GoFundMe.There are people with an abundance of money who are looking for an amazing investment opportunity.

A lot of times people feel that they don’t have enough money to invest in their business so they’re just not going to start a business.

But if you take the other approach which is investing their time into creating some sort of platform where you can crowdsource from other individuals, then you can start that business, you can start the adventure that you’re interested in with other people’s money.

If you’re interested in a book that talks about crowdfunding, there’s a book called The crowdfunding handbook that goes into depth on ways that you can invest in your youth and share your new business idea and you can also get it on audiobook as well.

4. Rental Arbitrage

Rental Arbitrage

The next way to invest in yourself with little to no money is to partake in rental arbitrage. Rental arbitrage is the act of getting a long-term lease and then putting that home up on Airbnb.

Oftentimes investing in real estate costs a lot of money to buy properties and a lot of people feel like the only way that they can put properties on Airbnb is if they own them. But this isn’t the case.

You can go have some lease with a business partner, a friend, a family member, and then you guys both manage that property on Airbnb.

Another way to go about using other people’s property to make a profit on Airbnb is to call individuals who have their homes on the market for rentals. Those who are looking for long-term rentals.

You speak to those individuals who have their home on the market and you tell them that you’re willing to be the property manager and put their home on Airbnb and make them more money for the month than they would make with the tenants and then the two of you would split the profits 40 60 or 70 30.

However much the case is but you’re making money simply by being their property manager and that’s a property manager on Airbnb.

What are you responsible for? 

You’re responsible for checking guests in, making sure it is clean, and making sure that the property is ready for the next Airbnb guests. 

The interesting thing about this is that you can outsource the duties that you were hired for and so if you have a whole bunch of properties running at the same time then you’re able to make a profit off of all these different homes that are on Airbnb meanwhile, you haven’t spent a single dollar into buying a property or even leasing a property.

That’s just another way that you can make money on Airbnb without having to invest a whole bunch of money upfront and buying a home.

5. Real State Wholesaling

Real State Wholesaling

The fifth way that you can invest in your future is through real estate wholesaling. As a real estate wholesaler what you do is you secure contracts with motivated sellers and find people who are interested in buying them. Typically real estate investors who are looking to flip a home and make a profit off of it.

A great person to follow who talks about this often is a man named Marc Whitten. He basically talks about real estate wholesaling. It’s one of the biggest gems in real estate.

Essentially you are the middleman and you are connecting investors with motivated sellers that are people who are looking to get rid of their properties and you make a profit off of that.

It sounds crazy but it is a real-life thing and it’s one of the biggest hidden gems in real estate.

Real estate is one of the best ways to acquire wealth and a lot of people don’t speak about it enough. Some people will tell you that owning real estate is not the way to financial independence, it’s not a way to build generational wealth but those same people have been super privileged their whole life or they have certain income streams that you might not be privy to.

In my opinion, I feel like owning the right type of real estate is one of the best ways to increase your net worth. I would say look into getting into the real estate industry with OPM other people’s money.

There are various amount of ways that you can invest in the real estate market with other people’s money, but one of the best ways to get your foot into the real estate game without having money upfront is through real estate wholesaling.

It’s going to be a little bit of an investment upfront in terms of finances and time, but if you want something bad enough you’re going to make it happen.

Those are the five ways that you can invest in yourself with little to no money. With most of these things, it’s either a little bit of money upfront or no money at all up front but one thing that’s common with all of these is it’s going to take a little bit of investment in terms of your time.

I just want you guys to remember that you have everything that you need to acquire anything in this world that you want. 

There are times when maybe your friends are going on a group trip and you know that that trip doesn’t fit in with the budget but you make it happen somehow. Why is that? Because you wanted it bad enough.

I’m not saying that trips and experiences are not worth the investment. I love a good trip. I would never tell you not to go on a trip, but I’m saying that if you want something bad enough you’re going to make that investment. You’re gonna find the time and money.

You’re gonna get creative I just find that people often make excuses for acquiring the lifestyle that they want and they deserve but it’s nobody’s responsibility but your own to make it happen for yourself.

It’s not the government’s responsibility, it’s not your spouse’s responsibility, it’s not even your parents’ responsibility. 

I know that they brought you into this world but no one’s going to save you. You’ve got to create the lifestyle for yourself that you want and deserve.

It takes a little bit of an investment of your time and money. You might be spending more money on your business and your future than your spending on frivolous things.

Remember you don’t need to be spending money on frivolous things when you’re trying to go places in life and you’re trying to invest in your future.

I would love to know what other examples that you all have on ways that you can invest in yourself with little to no money. I’d love to know down below in the comments.

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