So, how do you make money while you sleep? There are very few ways to actually make money with no effort. But there are a ton of ways to make A LOT of money over time by putting in the upfront effort. Investment of money, investment of timeand for most passive income streams, it takes both! Yes, it takes initial effort and money to start building passive income. Over time though, as you stack up multiple passive income streams, your income starts snowballing.