Rachel Cruze: 15 Ways To Make $10K Fast

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Financial expert Rachel Cruze shared a YouTube video listing 15 ways to make $10,000 quickly. Cruze posted this video to her over 430,000 subscribers to help them reach what she calls Baby Step Three.

Cruze teaches something called The Baby Steps, which are seven steps people can take to transform their financial lives. After saving a $1,000 emergency fund and paying off all debt except for mortgages, the third step is to increase your emergency fund to 3-6 months of living expenses.

Cruze explains that many people save around $10,000 in their long-term emergency fund. If you want to save that amount quickly, here are fifteen ways to do so.

Rent Out a Room in Your House 

Cruze explains there are several different websites you can use to rent out a room in your house. Airbnb is a popular one.

She says if you rent out a room for $65 per night, you’ll make over $10,000 after booking it for 155 nights. She reminds her viewers that Airbnb does charge fees, and you’ll have to pay taxes on income. However, it’s a great way to earn money using the space you already have.

Rent Out Other Spaces

Many people don’t realize that you can rent out more than just a room. People are looking to rent out garage spaces, parking spaces, and even basement storage.

She recommends websites such as Neighbor, where you can rent out your empty garage for up to $600 per month. Another website, Nookzy allows you to rent out your backyard for people to have parties or camp. Cruze explains you can make close to $1,000 per month doing that.

Rent Out Your Car

Who needs car rental companies? The company Turo allows you to rent out your car to people who need it. Cruze explains you can use the calculator on their website to see how much you could make renting out your car.

Turo fees are based on your location and the type of car you have. Turo’s website says you can make an average of $1,033 per month doing this, meaning you can save $10,000 in less than a year.

Drive Uber

Driving for Uber is another way to earn extra money. ZipRecruiter reports the average hourly pay for an Uber Driver in 2024 is $17.83 per hour. Depending on how much you drive for Uber, you could save $10,000 in less than a year.

Join Instacart

Instacart is a popular platform where you shop for other people’s groceries. Pay depends on how many orders you complete as well as the tips you earn. Payscale reports that in 2024, Instacart drivers make approximately $20.34 per hour. 

Another meal delivery service Cruze mentions is DoorDash.

Flip Furniture

Another way to earn money is to flip furniture. Cruze recommends going to thrift stores and finding furniture you can flip for a profit. She also says don’t forget to consider the cost of materials.

Overall, she says if you can sell five pieces of furniture and make a $200 profit on each every month, you could make $1,000 per month.

Tutoring

If you enjoy teaching, you can tutor online. You can get up to $60 per hour for tutoring, especially if you can tutor subjects like higher math or SAT and ACT prep.

Even if you only make $30 per hour, Cruze says, you can tutor two hours per day Monday-Friday, and earn $10,000 in less than nine months.

Ideas From Cruze’s Followers

Cruze also surveyed her followers and asked them what ways they saved money. Here are their responses. 

• Dog walking 
• Dog sitting
• Babysitting 
• Cleaning homes for friends and family
• Selling items on OfferUp and Facebook Marketplace
• Helping people organize their homes 
• Driving people to and from the airport
• Stopping manicures and pedicures
• Stopping eating out
• Cleaning a warehouse on Saturday mornings
• Meal planning with weekly sales
• Regularly eating leftovers
• Not planning vacations 
• Using a discount cell phone service
• Limiting themselves to shopping once a week
• Becoming a clinical research study participant
• Completing regular spending freezes
• Staying out of Target 
• Completing content writing jobs
• Working as a Zumba instructor
• Taking weekend jobs helping cater weddings

Cruze ends her video by reminding her followers that some of the sacrifices mentioned above and working extra is temporary. She said, “I don’t want you to live that life where you’re doing an extra job for the rest of your life.”

Rather, spend a few months taking on a side gig, cooking at home, and looking for other ways to save. With planning and some discipline, you can save $10,000 in a few months and be on your way to completing Baby Step Four next.

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