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5 Best Ways To Invest $5,000 in 2024

By: Joel & Josiah

**Without paying off student loans or opting into a health savings account**

So You Wanna Know How To Invest 5000 Dollars

Well you’ve saved a lot of money up, and we’re not just talking about an emergency fund, we’re talking you’re looking for a way to invest 5,000 to work for the long term!

Many people will tell you real estate or the stock market…and we’ll talk about those to a degree…but come on…by now you realize that there is no such thing as saving your way to a full retirement account…

Especially after the recent stock market fiasco, but we digress.

Everyone who’s wealthy knows the best way to invest 5,000 is to start you’re own kind of business.

The short term may not give you a big return upfront, but your rate of return over the next several years will be huge!

Some of the most realistic ways to do this today aren’t necessarily real estate investments, throwing money in a 401 k, roth ira, but in easy to start up work from home businesses!

We’ll talk about the stock market / cryptocurrency investing, selling on amazon, ecommerce, affiliate marketing, MLM’s and why they’re viable options if you have some risk tolerance.

And to top things off, we’ll talk about our #1 way to make money online in 2022!

With a $5,000 investment there are several options you have as a new or seasoned entrepreneur that will allow you to give the big F YOU to your 9-5 and get you on a track to feeling fulfilled.

This type of journey can lead to all sorts of places and experiences, and the best part is that it’s all up to you!

We’re speaking from personal and professional experience, we’ve been in the online business space for over a decade and are responsible for several businesses not only staying alive…but THRIVING.

All thanks to this little digital real estate idea we had.

Leveraging free traffic the right way is not only an art, but also a skill, and it’s obviously a great way to make money from home.

Our #1 choice for online education not only shows you how, but guides to success like this on a daily basis.

Why Listen To Us?

My name is Josiah, and this is my Dad, Joel.

Together, we make up the team here at Scamrisk.

If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

In early 2020, I had just graduated from college & had no real career prospects.

I knew I was destined for something more, but I had no clue how I was going to make it happen.

I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


I had fiddled around with some different online businesses in college:

Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

All I really wanted was to find something that was going to actually work for me.

Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

So I searched! And searched… and searched… and searched…

And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

I didn’t really want to be “rich”.

The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

Fast forward a few days and a few phone calls & I was enrolled!

Here’s the first “money making website” I put up:

I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

The best part to me? My dad and I get to do it all together!

So between the:

  1. Ease of reaching $5-$10K per month in income online
  2. Straightforward-ness of the system to do it
  3. Fact that I get to do it w/ my family

Is why I recommend local lead generation as my #1 business model for making money online.

Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!


Stock Market Investing

best way to invest 5k

This is typically your most popular avenue, but it really isn’t the best way to invest 5,000 in our opinion.

The stock market has been preached to people for well over 60 years now.

It’s always the same ole’ stuff.

“Invest in a 401 k”, “max out an ira”, “Set up an investment account/ brokerage account, you’ll kill it!”, “look up dividend stocks, that’ll help!”.

But is that really the case?

$5,000 is a lot to invest into individual stocks and generally speaking that could be a good area to place your money.

Unfortunately exchange traded funds don’t just keep going up forever, some companies take a steep dive never to return.

That means all that money you had invested, is pretty much just gone and never coming back. And sure, is it important to have a diverse investment portfolio and investment strategy?

Of course!

But even if you do everything right…It’s not guaranteed to work out. And we’ve seen that.

There are plenty in the boomer generation now who have placed money into these investment options their whole lives for a retirement plan of sorts, and they aren’t any further along than us.

In fact plenty of them have now had to get part time jobs because they don’t have enough to get through their elderly years anymore.

So you’ve just got to ask yourself…if we’ve been able to see two generations of people do stocks, bonds, 401k’s, and a roth ira, and they aren’t any better off than you…you’ve got to ask…is it even worth it to get started?

The answer…probably not.

But why is that?

It’s Rigged

how to invest 5k

Have you been paying attention to the news at all lately?

Well if you haven’t…let’s just get you caught up real quick.

Several weeks ago the big hedge funds had decided to short Gamestop Stock (GME) and basically run the company into the ground.

A whole bunch of people banded together on reddit and bought up several shares of the stock, leading to a raise in price of the stock.

This literally made hedge fund managers cry.

When it started being a bigger story even more people started buying in.

Regular people were turning into millionaires over night. Some people literally leveraged thousands in credit card debt to just turn around in a few days time and have millions in their account.

So how’d it all end?

Wall Street was exposed for just how corrupt they were. All the different brokerages and their brokerage accounts were frozen when it came to anything GME related.

Robinhood ironically led the charge on that, shutting out all their users from buying it, only allowing them to sell.

What happened?

The balance of power shifted away from the market and the people and into the power of the corrupt elite.

Showing us that the every day average joe was never meant to get rich by making investments into the stock market.

Wanna fight back the system and earn the money you know you deserve to make?

Check out this business model that the government and rich elites can’t do a DAMN thing to hold you back!


  • Mutual funds, IRA’s, 401 k, are all proven models to make small amounts of money over the long term.
  • Good for “drip” money over the long term.
  • Easy to set up a brokerage account.
  • Rate of return of roughly 8% per year.


  • A high yield is rare.
  • Most brokers require a minimum investment.
  • Robo advisors can’t think for themselves.
  • Capital gains are not tax free.
  • Stockmarket is controlled and not made for you to get rich with just $5,000.

Amazon FBA

how to invest $5000

If you’ve seen any sort of YouTube ad when it comes to investing or making money, odds are you’ll come across an Amazon FBA course ad talking about the how selling on Amazon is one of the best ways to invest 5000.

If you want to invest into your future, some would argue that getting involved with Amazon would be one of the best ways to do so.

After all, since it’s inception, Amazon has year after year and now dominates ecommerce!

You can’t go wrong right?

Unfortunately there’s a lot more to selling stuff on Amazon than meets the eye. Let’s dive a little deeper and try to determine whether an investment into an Amazon store would be a good idea for you.

Crazy Rules

investment accounts

Amazon used to be an absolute gold mine.

There weren’t too many rules and most people if they started a store would have a really high yield.

Yep, a successful store on Amazon would beat out any competitive interest rate that a stock broker or bank would give you for putting your money in any portfolio they offer you.

Unfortunately, when rules start becoming ever so increasing, the opportunities for a certain investment plan like this will begin to dwindle.

At this point in time Amazon has so many rules for their sellers it’s really hard to keep track. Especially when it seems like they are coming out with new rules every single day!

So before you make an investment into your own Amazon store it’s important to go through these rules with a fine toothed comb and that you make sure to understand all of it…

Otherwise Amazon reserves the right to shut down your store at any moment and all your money is then gone.

Now just think about how bad that sucks for a moment…

You take your solid investment of $5,000 and build up a really profitable Amazon business.

And let’s say you have a few different products and they are dominating each of the markets they are geared towards.

Literally out of nowhere, Amazon can come in and shut you down for seemingly no rhyme or reason.

A great way to describe this is sort of like an illusion. Amazon gives you the illusion of owning and controlling your own store and business, all while also profiting off of you too, yet they can come in at any moment with your 5,000 to invest and just get rid of all the progress all together.

But hey, maybe you’ll get lucky and make just as much as these other investors who threw a 5,000 investment into an Amazon store.

Consistent Commission Cuts

certified financial planner

This is more on the affiliate side of Amazon…but it still fits.

You see, you used to be able to become qualified as an Amazon affiliate and place links to products all over the web.

Unfortunately, Amazon has continued to slash commissions year after year after year. It’s already tough enough to get clicks online, but these slashes make it even harder to want to continue putting effort toward it.

Imagine if your portfolio manager wanted even more slices of the pie that you were bringing him…doesn’t sound all that fair huh?

But Mr. Bezos calls the shots unfortunately.


real estate investments

If all the rules and constant commission cuts weren’t enough to get you second guessing about other ways to invest 5,000 then maybe this will.

It’s not difficult to set up your Amazon store. In fact, most online courses will show you how to set one up in just a matter of a few hours!

Unfortunately because of how easy it is, there is a lot of competition. There are thousands of people on Amazon who are trying to sell the exact same products you are and get that 6 figure rate of return.

These people dumped there whole entire savings accounts into their stores just to get a hope of profitability.

It takes a lot to run an Amazon business and it’s really hard to rank a product organically in search. You can thank some of the new rules thanks to that.

So not only do you have to try and rank organically against all the people who know the same things you do, but you also have to use paid ads to get short term money in the door to start to recoup that initial investment.

Running PPC is hard because the prices are constantly changing and you could end up in the red pretty quickly.

All that to really say, look, a $5,000 investment into Amazon can be profitable, and it has been for a handful of people…

But for you to really be successful, the stars almost have to align and you have to be one of the best people to have ever ran a PPC campaign haha.

It’s really that difficult.

Do you hate the idea of dealing with competition with bigger budgets and better know how than you?

Shit , who doesn’t right?

This business model allows you to operate in a space where competition is literally non existent, it’s simply a GOLD MINE and WE DON’T SAY THIS LIGHTLY!


  • You can make 6-figures per year with Amazon with a $5,000 investment.
  • Setting up a store on Amazon does not take long.
  • Amazon’s platform is great way to enter ecommerce because they have the most sales.
  • No credit score required.


  • Amazon is cash intensive.
  • PPC is difficult and can be a headache to constantly track.
  • It can take well over six months to rank an Amazon product organically

Affiliate Marketing

dividend stocks

Affiliate marketing can be really tough to succeed in.

Sure you don’t have to worry about all the shipping or even buying inventory…but you do have to make sure that your links are all getting clicked on and driving traffic that converts.

Unfortunately, it takes a crap ton of money to be a good affiliate marketer.

Anyone who knows affiliate marketing knows that the lions share of conversion traffic is generated by blogs that are riddled with affiliate links.

The thing is though, these sites have to get massive traffic and that’s hard to do.

You see, PPC has never really worked well when driving traffic to blog to then hope people click on your affiliate links in the post.

No, the blogs that rake in a lot of money are ranked organically on page one of google for several different keywords.

You don’t make a killing by just throwing your links out on the web randomly. People honestly hate that.



Competition is literally insane. Thousands, if not millions, of people are in this business and it’s kind of given it a dirty name.


Everyone has started just placing their affiliate links everywhere unsolicited. Platforms like reddit even ban users who drop an unsolicited affiliate link.

People hate seeing spam everywhere which is what affiliate marketing has really turned into.

Have you been in any groups on Facebook where people just dump their links everywhere?

Pretty annoying huh?

We agree.

Ok, but you’re not a spammer, and you really have products to promote…how do you make money as an affiliate marketer?

The way would be through a blog.

You would need to put out consistent content that actually brings value to people and helps them find what they are are looking for.

This takes a lot of money however. You will likely need to invest heavily into outsourcing SEO while you are busy on the creative aspect of things.

And depending on how much content you need to be pushing out…you might need to hire out more writers and good writers are expensive!

But there is a chance you could be a successful affiliate marketer if you budget that $5,000 in the right way!



One thing that you’ll find that sucks about affiliate marketing is that the companies that you market for are extremely stingey when it comes to payouts generally.

What we mean by that is you really have to read the fine print on their terms. If they can get away with taking your traffic and making a sale and not paying you…they’re going to do it.

Now not all of these affiliate programs are like this…but typically your free or really cheap ones to join.

It usually costs quite a bit to get into a great affiliate program that makes their payout process really easy.

The caveat to that however is that those really good affiliate programs are just as competitive and they deal with people that have much higher budgets who use all sorts of SEO tactics to dominate a lot of the traffic.

But hey, you’ve got 5,000 to invest right? Out of everything we’ve mentioned so far this might be the one opportunity where your money might go the furthest.


  • One of the cheapest ways to get started making money online.
  • Can get started in just a few hours.
  • Won’t be placed in any credit card debt.


  • So much competition.
  • Companies make it extremely difficult to get your commission into your checking account.
  • Need to know SEO at a high level.

Our #1 Recommended Way Of Making Money Online…Digital Leasing


It’s pretty much exactly as it sounds. You get the equivalent of rent payments for websites and none of the headache of real estate crowdfunding.

Here’s how it works.

Find a local owned service based business and decide to build a website and rank for it.

When the leads start coming in, pass them off to a business owner and start collecting the checks.

Is it really that simple?


You see compared to ecommerce, you don’t have to run any paid ads to a site. So, you’re only out of pocket like $8 a month for hosting and $11.99 a year for your domain.

And if you can’t afford that, well maybe we have other issues we need to talk about.

But seriously, lead generation sites make bank and they’re extremely passive.

Once you have them ranked, you don’t have to touch them again because they run on autopilot.

But what about the competition you ask?

Virtually nonexistent compared to affiliate marketing.

With ecommerce you’re competing with literally millions of people globally.

With lead generation we’re talking maybe 20 of the same type of business in an area. Most of which don’t know anything about ranking a site.

It legitimately couldn’t be any easier.

The best part?

These sites are worth $500-$1,000 on average a month!

If you had just 5 of these sites, you’d be making $2,500-5,000 a month from passive income! With a $5,000 investment into sites, you could have 5 sites ranked and banked!

And your margins are literally 90-100%!

But that’s enough of that… for more information about this model that crushes ecommerce, check it out here!


How Can I Invest 5000 Dollars And Make Money?

The best way to make money with 5k would be looking at a business that would have recurring monthly income on auto pilot.

One of the best ways to do this is through traditional ways like real estate.

However real estate is often pretty expensive and $5,000 into one property might not yield returns you’d like to see.

If you invest into Digital Leasing though through lead generation, you’ll find that you’ll have a much higher return on investment.

Is 5000 Enough To Invest?

It honestly depends on what you’re looking to invest in.

If it’s the stock market, then that’s classified as a nest egg and we also recommend meeting with a certified financial planner before setting up investment accounts! However if it’s for a down payment on real estate…you might want to wait til you have more money…

But lead generation assets would be the perfect fit in the middle it’d give you the type of compensation you’re looking for!

What Should I Invest 5k In?

There are lot’s of different options, you could join an MLM, start an Amazon store, or even invest in some real estate or the stock market.

With 5k…the options are pretty much endless, just don’t contribute to an ira or mutual fund, you’ll be lucky if you see it again.

However, the real question and real priority is what will make you that money back the quickest?

That will be lead generation. It is pretty much just like real estate, but digital, and with much higher margins.

Not to mention the level of risk is much lower, it’ll definitely help you reach your financial goal!

Is 5000 A Lot Of Money?

5000 is a lot of money. However it can be gone very quickly if you don’t know where to place it or spend it on credit cards.

Heck, I even know a real estate investor who run tabs that high just after a night in Vegas.

$5,000 can set you on a path that allows you to start seeing instant returns. It is up to you though how fast those returns come in by the model of business you choose.

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