# 10 Ways to Make Money Without Taking Risks

There is a common misconception: that making money means getting rich overnight. In reality, true wealth accumulation relies on time and compound interest. Here are 10 relatively stable ways to increase net worth:

**Passive Income Class**: Buying the S&P 500 index fund may not sound exciting, but it has never lost money over a 20-year rolling period, and Buffett recommends this to his heirs. Dividend stocks can also perform well, with "dividend aristocrats" (like Coca-Cola and McDonald's) increasing dividends for 25 consecutive years, resulting in explosive returns for those who bought in early.

**Active Value Addition**: Renting property can provide stable cash flow, and rental prices will increase year by year, which is equivalent to tenants helping you pay off your mortgage.

**Income Side**: Don't be afraid to ask for a raise; prices go up every year, and your value is also increasing. Most billionaires around the world either start their own businesses or inherit wealth. If you want to get rich quickly, starting your own venture might be the most direct path, though the failure rate is high, but so are the rewards.

**Skill Upgrade**: Invest in yourself to learn new skills, especially in high-paying fields like technology and finance, for the highest ROI.

**Cash Flow Diversification**: Relying solely on a salary makes it hard to become wealthy; side jobs and freelancing with multiple clients can help, and they also hedge against risks.

**Execution Level**: Save money before spending ("pay yourself first"), stick to a strict budget, and what remains is yours. You cannot just be conservative nor too aggressive; taking on moderate risks (stocks, real estate, entrepreneurship, or even crypto assets) is necessary to achieve excess returns.

**Core Logic**: The earlier you start investing, the more obvious the magic of compound interest becomes. Whether it's paying off student loans, reducing credit card debt, or boosting retirement funds, taking action now can quickly improve your financial situation.