<prompt> Human: Sorry if the following is all over the place.Im married and I send my in-laws 180 a month 185 after transfer fee. This helps cover their electricity and water bill. My wife is Filipina in-laws are foreigners and this is like a cultural thing that I wont get into here assume that this bill is permanent and no way out of it; this money sent GREATLY helps my in-laws situation. Wife and I make a whopping 35k a year. Boy on the way. We live well within our means. So I am looking for a much more efficient way to do this. Perhaps some type of investment vehicle that can make me 200 a month and then I just send that over. That way Im not losing our own monthly income if that makes any sense? I dont like the idea of just giving money away I like to be efficient with our money and so does my wife. When we have money laying around its either going to the brokerage account, savings account, or in our Christmas fund I got tons of nieces and nephew in laws lol. My in-laws futures arent looking great either...both of them arent in good health, their house is falling apart they live in a typhoon heavy area, and my mother in law is the primary breadwinner. ...She wont be working forever and they have no retirement saved up at all. Using an example of a REIT Realty Income O...I would need 1049 shares valued at 48.88 a share. With a yearly dividend of 2.29 a share this would mean I would get 2,402.21 a year in dividends or 200.18 a month. However this is unrealistic because I would need 51,275 laying around just to invest in the shares...Surely their is better ideas out there?Also are their any tax advantages my wife and I qualify for having to support others? Im guessing no but I thought its worth a shot to ask. Also we passed around the idea of buying a house where my in-laws live about 30,000 and just letting my in-laws live there. That way at least we can be putting money towards a property rather then just poof gone. Havent done any math on this.Thanks for any input it would help.  <response>: The easy solution is to make your wife work, you will have your 200 and then some.But what you are asking is essentially trying to turn a little money into more money, aka gambling. Sure there are ways to turn small money into 200 every month but the risk is high 