Flipping Money, Making $20 Work For You

 I was tuning into Minority Mindset on YouTube about were to invest 1000$. He spoke about investing in royalty trust and treasury bonds along with traditional  ETF's (Trading Stocks). So I did a little digging on a 90 day plan on how to make 20$ work for me and turn into more money and here is a break down.

Step 1 — Multiply, Don’t Just Save

With $20, you want to invest in something that can grow, not just sit in a bank.

High-yield savings apps (for safe growth)

Apps like Chime, SoFi, Varo sometimes offer up to 4% APY.

$20 won’t grow much, but it builds the habit.

Micro-investing apps (low entry, compounding growth)

Try Acorns, Stash, or Robinhood fractional shares.

Put $5 into an S&P 500 ETF every week. Historically, that grows 7–10% yearly.

Step 2 — Turn $20 Into $100+ Quickly

Leverage small, fast-turnaround investments:

Flipping items (high profit margin)

Go to thrift stores, yard sales, Dollar Tree, buy undervalued items, and resell on Facebook Marketplace, Mercari, or eBay.

Example: Buy a $3 mug → Sell for $12 → Reinvest profits.

Print-on-demand & digital products (scalable income)

Use $20 to design a logo, T-shirt, or digital planner on Canva and list it on Etsy, Redbubble, or Amazon KDP.

No inventory, passive income after setup.

Step 3 — Invest in Knowledge (Highest ROI)

Turn $20 into skills that create income streams:

Buy a $15 Udemy course on AI, freelancing, or investing.

Use free resources: Coursera, Skillshare, YouTube.

Learn high-demand micro-skills:

Canva design

Copywriting

AI prompts & automation

Social media marketing

A $20 investment in skills can turn into $200, $2,000, or more over time.

Step 4 — Automate & Reinvest

Set up recurring micro-investments: $5/week into ETFs or crypto.

Use cashback apps like Rakuten, Honey, or Fetch Rewards → free money to reinvest.

As profits grow, divide income into three buckets:

50% reinvest into growth

30% save or invest

20% enjoy or keep liquid

Step 5 — Think Long-Term Wealth

Once your $20 becomes $200, $500, or $1,000:

Diversify into ETFs, dividend stocks, or high-yield savings.

Start a side hustle that compounds over time.

Use profits to build passive income streams — so your money earns money.

Quick Start Example

Today: Put $5 into an S&P 500 ETF.

Tomorrow: Use $15 to flip thrift items on Facebook Marketplace.

Next Week: Reinvest profits into digital products on Etsy.

Next Month: Take your first $100 profit and split: $50 invest, $30 flip, $20 learn.

Repeat. Small, consistent moves = big results.

September 8th, 2025 Update: "I'm reorganizing some of my small investments on Fidelity.com, including mutual funds, royalty trusts, and ETFs. I'm reinvesting capital gains in certain holdings while allocating a portion of the dividend gains to my core account."