Would you go on a shopping spree, put it in a savings accountor contribute to the latest trendy investment? Come up with a strategy to increase the chances of how can i make money with 10k on your capital. Shortcut: If you are really eager to start investing, one of our recommended choices is Betterment. They have no minimum balance, low fees and good returns. It’s a great choice for beginners and the app is very easy to use. Before you jump right into investing your money, take inventory of your financial life. Ask yourself the following:. Do you have a lot of personal debt? Do you have a k? Do you have an IRA? Pay Down Your Debts We don’t normally think of paying debts down as investing. But it can just as profitable, and sometimes more, in the long run. Here’s an example.