Consider Sarah, a college student who used several money-making apps to transform her free time into a successful side business. Though initially dubious of their efficacy, she started using Swagbucks in her free time between classes and soon fouhalloween slotsnd that she could accrue enough points for monthly gift cards to pay for her groceries. Motivated by her accomplishments, Sarah increased her efforts by registering with TaskRabbit and providing tutoring services in her field of expertise. She was able to save enough money in a matter of months for a much-needed trip with friends in addition to her necessities. In a similar vein, John, a thirty-something full-time worker, discovered that he was in debt following unforeseen medical bills.