In order to turn my beer money into positive gains, I treat it as found money and invest it.  I have other investments as well, but with found beer money I invest on Prosper.

Prosper is a marketplace for personal debt.  It is not predatory.  I invest mostly in low-risk individual loans – i.e. people who can afford to borrow easily, and a few people who are down on their luck who need a loan to consolidate debt and get a structured way to exit debt (hopefully forever).

Currently my investments are returning over 10% annually.

Currently I reinvest all gains into my portfolio.

This last month I’ve earned $7.77 in interest against $0.57 in fees.

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