Credit karma bank plaid

I have gotten a email stating that my address has been updated on my credit karma it is super close to my current address but it’s off by street number what do you think this is I can’t get ahold of Transunion since it’s the weekend example it’s says 10th ave instead of 100th ave

Not Looking For Assistance or "Member Support"
My wife's Chime account was emptied today. Someone was able to log into her account, moved her savings and credit builder funds to her checking account, and then sent all the funds to a new contact through "Pay Anyone." Total amount stolen was approximately $2,300, which included our rent payment which hadn't gone through yet.
Chime says they're investigating and she filed a police report. She may get a temporary credit within the next fourteen days.
She has some funds in another conventional bank for some incidentals. I paid the rent from my other bank account until she (hopefully) gets her funds restored.
TL:DR - Update your password and don't keep all your funds with Chime (if possible).

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Don't get me wrong, germans are not the worst clients you can have (that is reserved for indians and chinese) but they have a certain status among us austrians.
First of all they seem to be allergic to credit cards which makes the check in process a bit more complicated, since we only can take a certain amount of cash in towards the end of the day for the "cash drop" which will be done everyday on the side of the accountants.
The story begins when i changed from a five star superior wellness hotel to a four star business hotel, because my Gf got a better paid job there so we moved. The difference was shocking how i now perceive certain types of people. Back in my old job money wasn't a problem (people paid 5 figures for their stay, went golfing and so on) but at this job clients were a bit more stingy and aggressive to say the least.
I had f. e. a check out line of like 12 rooms (i was the only one at the FO) and one was already screaming at me that he is missing his flight and i shall be more quick (it wasn't uncommon to have like 100+ check ins and check outs per day at this hotel) and i was just telling him to get back in line and i am not responsible for his schedule.
The problem was, that he had a cash deposit of more than 800 Euro and i didn't had any money left (the shift before me basically did not a proper job) and i told him, that it will be refunded to his bank account which he wasn't happy but accepted it in the end. Then he had a rental car which he parked at our hotel and i also charged him with the daily parking fee and he flipped the shit that this should be included how expensive the city already is blablablabla.
Then he didn't wanted to pay the city tax (which the hotel has give to the government) and he told me that he never had to pay for it and that he is not beginning now. To this point i was just fed up with him and i said, that i will charge him and if he is not paying for it i will call the police and this will make sure that he certainly miss his flight. He wanted the manager and i told him no which threw him a bit off and then he just paid and told me he is not coming back to our city. I wished him a good day and "until next time".
Seriously, i never had problems with germans back in my "old" hotel but this occurrance wasn't the only encounter i had and thinking, that germans aren't that rich as i thoght, because in the other hotel they drove Porsche, Maserati and so on.

Unemployed (just resigned a few months ago) planning on taking a solo vacation before starting my next job next month. I have savings (can prove with bank certificate), past COEs (been consistently employed for the past 3 years, all by well-known MNCs), and signed offer letter for my next job (also a well-known MNC) indicating my starting date. I also have two credit cards with around 500k combined CL. What are the chances I get offloaded?

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I switched jobs in the end of 2019, my new job at the time was based in California. So I worked for around 2 months for this company. When it came to file taxes in 2020 the software I was using didn’t allow multiple state returns (credit karma) so I didn’t file in cali and thought nothing of it. Now in 2023, i woke up to them taking 3500$ from my account wtf… I haven’t been aresident in Cali for two years so I was confused.
After an hour on hold turns out it’s just me not filing my taxes for 2019, so I filled out the paperwork and faxed in.
Here the twist, my payroll withholdings were like 2500 so I was like wtf. You took 2500 from me then and now you want to take another 3500? Well I’m the end turns out all I needed to pay was a few hundred and Cali now owes me 1800 plus got my money back.
TLDR; California thought that I owe them 3500$ turns out they actually owe me a refund.

Hi there and TIA in advance for any help. I am in the state of Texas and have been for this whole ordeal.
This is really embarrassing but at least 10 years ago I took out a payday loan online and didn’t pay it back. I had my bank block the transactions. For a few years I got some phone calls but ignored them. I was in a really bad place and only vaguely remember the details of what I signed up for.
Anyway, so I just received a letter in the mail from Vanguard Legal Group out of Columbus, OH entitled “Notification of Lawsuit and Civil Complaint” where I am listed as a “respondent”. The amount they claim that I owe is $1,623.73. They say they are looking to sue me for NSF fraud. (Yikes)
However, I am in Texas and am somewhat familiar with the debt laws here and it’s my understanding that there is a 4 year statute of limitations on judgments and lawsuits for debt. Is there a loophole I am not aware of? I have not made any contact or paid a dime on that in at least 9 years.
They listed where I worked at the time and said they reserve the right to supena 2 relatives listed by their first names in the letter should they file suit.
At the bottom it says if I don’t pay by June 9, “a final determination to take legal action will be made on your due date should your payment not be received by our office, and after which time we have thoroughly reviewed your file to ensure any legal proceedings are in accordance with state law”. They also list my (now good) credit score and says it’s their intent to make a hard pull on my credit during the process. That doesn’t seem quite legal either.
Are they just trying to scare me into paying? Are they going to be able to send a process server for this long ago?
I could pay my debt in full and know that is the morally right thing to do, but I have expenses that I’d rather cover first.
Please let me know if anyone has any experience with this or knowledge of what would happen if I ignore this. Let me know if you need more info. Thank you!

Currently have a bank account with my university (UW-madison) credit union with an autopay credit card only. I have used this for 4 years along with debit cards from the same account and plasma donations on a prepaid card. I do most of my banking/bill paying from Fidelity, with whom I also have a Roth401k.
Currently have about 30k in my accounts, but expect to burn through a lot of it with tuition/cost of living in the next two years, including an unpaid internship in my field that is required to advance.
Transunion 749, Equifax 761.
Primary goal is building credit and rewards. Most of my expenses are groceries, rent, and the odd time eating out (1x/wk).
I currently work full-time at about 16/hr and donate plasma to make equivalent to about 40hrs/wk at this wage, but will be moving and working at about 20/hr starting in August.
TIA!

Folks, for years I would use a good ole Excel spreadsheet to manage personal and household finances.
Just over a year ago, I switched to Intuit Mint. It's totally free and cloud-based, plus they have a native app for your phone (I have Apple, not sure about Andriod).
Anyhow, it's been a game-changer. They have the best and most secure encryption and I can link all my bank accounts, credit cards, investment accounts and other custom assets and liabilities (home, car, whatever). The platform updates ALL my accounts automatically and categorizes income and expenses intuitively. I can set monthly budgets, which the platform monitors and sends alerts me alerts to my phone if I've overspent. Also, I can look at spending trends over time and really drill down to what exactly my household s spending money on.
On the Investment side, I have linked all my RRSP, TFSA and Cash accounts and Mint tracks that performance as well. Finally, it gives you a nifty net worth over time.
I don't work for this company and I'm only passing on this information because it's really changed the way I look at my money and perhaps it could help you as well.
Cheers
​

I have very little money left, I spent it all on legos and poker. There’s $450 in credit card debt and $55 in my bank account. How could they do this to me during finals week😔.

** I know about not falling for the recovery scams, I've been reading this reddit for the past few days coping. Will add a TLDR at the bottom, I just really want to let this out. Maybe my rambling might show patterns to people that they have seen, and they won't be subject to falling for the same thing and they may snap out of it.**
Hi all,
I already know I was stupid, I ignored many red flags blatantly. I was recently affected by a crypto romance scammer. Story as follows:
I have not dated in almost a decade, I closed my heart off to a lot of people and lost a lot of friends on the way. I have always been an introvert, but finally broke out of my depression somewhat a year and a half ago. I began self improvement, and feel a lot better now than I did 5 years ago. I live alone, I'm lonely, and just turned 27. I have my own apartment, and felt it was time to start working on different parts of life, instead of doing everything alone.
I decided to give online dating a try. I matched with a girl on Tinder, and I was the first to initiate. I messaged her, and she did not reply for a day. There were a couple sentences exchanged back and forth, and she asked for my phone number. I ended up providing it to her, since my friends always recommended to get someone off Tinder as soon as possible.
She messaged me on my phone, and we had a few back and forths on many different topics and ideas. It seemed surreal since it felt like I was clicking with her very well. This usually does not happen at all with people I meet in real life, and she was leading multiple parts of the conversations, which did not raise a flag to me. She mentioned that English was not her first language, I was ok with that because the English was written well, a few hic ups here and there in the conversation, but I chalked it up to a language barrier. It did not seem to be translated at all, she was even using well structured sentences with unique words that you do not hear day to day, which I assumed would not be translated in the normal sense (think obfuscate).
Some of the conversations we had was what we did for work, what our hobbies and goals are. Our taste in music, movies, recommendations. It seemed so normal first for a conversation. On the end of the second day, she wanted me to download telegram which was a possible red flag, I never trusted google hangouts, telegram, whatsapp due to scammers being known for using these applications. I was a bit hesitant but she wanted me to download it so she could talk to me while she was at work. I eventually agreed, we said our good nights and I went to sleep. I generally keep my guard up with people (why are they being so nice, what do they want from me?), but I ended up going with it since I was genuinely enjoying this person.
I added her on Telegram, and we were continuing our conversations from the day earlier. Said our good mornings, and talked more about goals and aspirations. She would talk to me about her childhood, and I would talk about mine. We eventually began exchanging pictures (nothing sexual), voice recordings, jokes. We talked for a week, and she began talking about how she uses AI for short term node investing to make money on the side while she was working and invested at times the AI told her to. I said cool, and continued with our normal conversations. Eventually I was beginning to get loved bombed and sweet talked to over the course of a couple weeks. I was feeling great about myself, and confident. I felt like I had a connection to them, I was mentioning her to friends and family about how awesome she was. About a week and a half in, she said she had to travel for a few weeks to a different part of the USA. Another red flag yay. Probably 5 so far?
I was super skeptical, but not enough. This girl intrigued me so much. I was sick for about a week, and she was constantly checking up on me and reminding me to eat, sleep, take my temperature, and to get up every few hours to stretch. None of my family or friends do this for me, which made me fall for her a bit more. She made me reconcile with my parents too, and my relationship with my parents is a lot better than before. She did mention before that she was very family oriented, and it opened my eyes that I should leave the past in the past, and embrace the future.
We had a heart to heart with one another one night, I don't want to go into details but she explained why she was single and why I was single, and this kind of sealed it for me I think. LOOOOTS of love bombing after this. One of the patterns I was noticing through the weeks is that she would always message me at 10 am, the good mornings and the like, and go to bed at 12 am (shift change anyone?). Never any messages before or after this time. She also facetimed me, had a quick conversation, but she claimed the connection was bad, so we ended it after a few minutes. I read this was a common thing after I got scammed. She was a real girl, I've heard her and seen her, but she is most likely just part of an operation. I even reverse image searched her on multiple different platforms, no results showed up. Insane.
She began talking talking about her crypto again, and wanted me to join her! I did not care about the money as much as I was caring about her. I wanted to start for her. She showed me how to to buy crypto, and how to put it in my wallet, and how to set up 2FA to transfer the crypto to said wallet. Seems normal so far, and we continued the next day. One of the things I noticed was that I was getting the drive to learn back, I dislike my current job. It's monotonous, boring, tedious, and this was something new! She got me back into reading, watching shows, improving on myself in different aspects of life.
The next day, she showed me how to use the browser in the wallet, to start staking crypto, and make passive income. I started with 200 USDT. I am kind of broke right now since everything costs so much and I make an OK wage. This could lead to financial freedom I thought. The website itself was fishy, poorly done, numbers had floats attached to them. Did not look professional, but I felt like I was in love and I could trust her. I know it's stupid loving someone you have not met.
After a few days of staking, I withdrew the money into my wallet. Looked legit! I made money. Not that much, but it was something. She mentioned to me how much money this makes compared to a 401k or roth IRA, seemed believable. She then showed me what app she uses for the short node investing. It was not on the app store, so I had to follow a link to download it (yay another red flag I saw and ignored on purpose). I set the app up and we said our good nights.
During the next day, she began walking me through how to use the app, how to input money from the wallet I have, including my staking if I wanted to. She sent me 20 dollars in ETH for the gas fees to send the USDT. Made me believe in her even more. I inputted about 250 USDT into the app, and we began short term node investing. I made about 100 dollars that day. Felt good. Yes I know it's fake.
The next day were serious red flags. She told me how her coworker withdrew his full 401k (40k USD) and put it into staking and short node investing, and has made a few hundred thousand dollars. I was intrigued, and she said I should do that too. I want to thank my job and bank for only letting me withdraw half, and loaning it against myself, and not letting me do a hardship withdrawal. I withdrew about 6000 USD from my 401k, sent it to my bank, and wired it to crypto. After waiting a few days for it to clear, I put it into my wallet, and into the fake exchange for short node investing.
I made about 44000 in fake money over the course of a couple days. She mentioned there's a new member reward, if I put in 10k USD in my account I get another 800 USDT free for being a new member. I mentioned that I can't, rent would be in a few days, and I needed the money for rent. She assured me that I should let my money work for me, and that I can withdraw it when I needed to for rent. Trusting this, I put my rent money into the fake exchange expecting to be able to withdraw it later since I was able to withdraw money before.
I got to about 8.5k USDT, 1.5k away for the free 800 USDT from the rewards program. She recommended me to apply for bank loans (another red flag LOL, but I was blinded). I never really built my credit at all before, only car loans and a credit card that I missed 2 20 dollar payments 4 years ago. My credit is low (640) so I could not loan out 50k from the bank like she wanted me to. The best I could do was 1.5k. I ended up getting my first credit card in a long time, it has a 500 dollar max currently and unsecured.
I did not end up taking out the loan (not yet), and I did not using any of the credit card to buy crypto with. This is when I began to believe something was wrong. There's no way I am getting scammed! She was messaging me and talking to me 15 hours a day, right? That's a lot of time investment.
Rent day was coming up, I went to withdraw my rent money from the fake exchange. I got an email stating I have to pay 5k in fees to withdraw the money because I won a lot of money.
I talked to her about it, inquiring why I could not just take out a portion of my principle I put in, without touching any of the winnings. She claimed it was for tax purposes and forgot to tell me. I half believed her. I talked to 2 friends seeing if I could loan out 5k from them. One said they will talk to their wife first, I respected their decision. They ended up saying no, I said thank you and I understood.
The other friend said sure, since I payed back a loan another friend gave me timely in the past. He tried to send it to me via cashapp, but was told to contact his bank first. I am very happy that happened. I said don't worry about it, I'll find out what to do. Didn't mention it the next day since I was still thinking.
Rent day came, and I took that 1500 loan to pay most of my rent. I still had a little extra money in my account to cover the full rent. Paying 500 dollars back a month on this loan to get it done asap, since my credit history isn't good, and I don't want to pay 30% interest. I'd rather loan from a bank if I can than mess up a friendship due to my stupidity.
I didn't talk to the girl for almost a full day, she kept trying to check up on me asking if I was ok and sending me voice messages. I went to a bar with friends and had a great time. I have 30 dollars in my bank account now, I get payed next week, I have a 1500 dollar loan with 30% interest I have to pay back, and 6000 dollars in a 401k I have to pay off that comes out of each paycheck. I stopped contributing to it so I don't feel as underwater.
I began responding to her, her messages weren't as lovable or frequent anymore (most likely because I mentioned that I am no longer interested in short node investing unless I get a portion of my principle back), maybe good morning and good night, and something short in the day. I used to reread our full conversations from the days when we began first talking, it just felt like bliss to me. Now I hardly want to talk to her, I downloaded and exported our conversation history from Telegram, but keeping her there just incase I can use something against it. Most likely won't be able to.
A friend mentioned to me he saw her account on another dating app, and they reported it. Different name, only a few miles away when she's supposed to be somewhere else. I told one friend about this story so far. They are very close to me and we had a heart to heart about it.
The most painful part about this is that I told my mom and sister about how I met someone new that really clicked with me, and I was finally happy. I struggled for so many years and they noticed my demeaner changed and were super joyous about it. Not only that, I don't miss the money I lost (~8.7k dollars), I miss the person that I thought I was building a relationship with that I would eventually meet and love. I was on Tinder for 3 months before I found her, every conversation was so dry and uninteresting to me until I met her. I only talked to her for about a month so maybe that is why I was able to break the spell early.
I feel free right now. I thought I would go back to being depressed, but I feel like I gained more than lost from this. I learned how to be a bit more sociable with people, what to look out for in scams (this one was way different than any I have ever experienced), to talk to people close to me about their thoughts of what's going on. I kept it all in. My relationship with my family is better because of her, but I will miss the person I thought that was for me. They really are intelligent in what they do, it's crazy. Maybe I found out that I am a hopeless romantic when my guard is not up. Which sucks, but it is what it is.
I will try to pay back all my loans asap, it's not too much money, but I will have to live more frugally at the moment. I'm not ready to let me mom or sister know, but I told one of my friends so far that won't joke about it. I am also happy I did not rope any friends into this. I needed time to clear my thoughts and do what I could to make this right.
Whenever I see her pictures online, I feel melancholic. I report her to the apps but it forces me to see what could have been if it was real. I have also submitted a case to the FBI, I don't know what else I should send to.
Thanks for reading if any of you did, I rambled a lot.
​
TLDR:
- Haven't dated in years, met chick on dating app and I was first to initiate
- She asked for my number, I gave it to her
- Quickly moved onto Telegram
- Lovebombed for weeks
- Mentions she's an investor in crypto, and wanted me to join her
- Blinded by fake love, lose 8.7k USD to the scam, everything in my bank account + half my 401k
- Had to take a loan out from a bank to pay rent
- Will miss the person I thought was for me more than the money lost itself
- Learned more from this than lost in my opinion. Thank god I'm already poor. It could have been much worse if my credit was good. Now I am on the path to building my credit for the first time in years.
- I'm aware that I was most likely talking to different people over Telegram, and she would send the recordings herself or facetimes.

I'm an international student in the US and looking to build my credit. I've had my bank account for 2 years but didn't have a credit card until a few months ago. I was approved for a credit card but it was only $500 which feels very low and not useful for what I need it for (e.g. car rentals) particularly as I'm trying to keep utilization under 10% in order to boost my credit rating. My credit rating is now high 600s and seems to be increasing each month.
I'm trying to work out the best way to increase my credit availability so I can make larger purchases whilst keeping my utilization ratio low. When is the earliest I should request a credit increase?
If I'd known the limit was going to be so low I would have probably gone down the secured credit card route instead and put a downpayment of a few thousand dollars. Should I still do this (and open a new card) instead of requesting a credit increase from my current credit card company?
Thanks in advance
EDIT: I do not want a credit card to buy big things that I can't afford. I'm literally only using it to build my credit rating and for expenses where you need a credit card (e.g. car rentals).

My dad died in April. He was poor, lived in subsidized tribal housing prior to moving to a VA nursing home in early January. He received $1930/month in SSA. He was always financially responsible but in February we identified he was going to die within the year and stopped spending what money he had left on his medical bills - the nursing home was taking 85% of his income. I had his mail sent to my house and he’s approximately -$25k in medical debt to various facilities just in 2023. He used a variety of VA, tribal and Medicare part A benefits.
Anyway, I’m sure none of that matters. I got a letter from a law office asking to speak to the Executor to pay debts the estate owes. I suppose that’s me, but I haven’t filed anything with the courts. I received a $5k life insurance benefit, no questions asked. SSA sent me a letter stating he had money due to him, either SSA or Medicare premiums, so I filled out the form they sent. I know he has a bank account. They have been thoroughly awful through all of this and literally refused to communicate with me. In March I took a whole day off to drive to this credit union, provide my POA and get added to his bank account. They responded to my request a week after he died. I did get his statement and there’s about $11 in his checking account (going down $2 each month) and I think he has $1000 in his savings. I don’t really care to take another day of PTO to deal with this, so I let it be.
I’m not really sure how estate stuff works. No one can really tell me. It seems like a lawyer wouldn’t really be worth the money, but please feel free to tell me otherwise. Once I got his death certificate, I closed his ATT and Cox accounts and mailed copies to his debtors, but I am still getting bills in the mail for him. Can I just tell the law office to get in contact with the credit union and have at it? He had no other assets. We sold his car before he died.
Thanks in advance. Edit: I’m in Oklahoma

TLDR; skip to the end for the actual questions. Some of them don’t need context.
I’ll save all the details of how I got myself into this mess in the first place and cut straight to what’s going on now. In short, I was unable to make even the minimum payment on all of my credit card bills. This has resulted in all of those companies closing my account and sending the balance off to collections, in which I have been contacted countless of times about. Now, I do want to preface this with I’m not one of those people who ask questions without trying to find the answer myself first. I have Google’d my questions a million different ways and I either can’t find answers that relate or I straight up do not understand what they’re talking about. Now, I don’t expect a stranger to take time out of their day and write up a personalized credit consolidation plan for another random stranger, but some specific advice is needed here.
I was an Amex customer ever since I got approved for my first CC with them in 2017, I didn’t have much of a credit history so I was approved for $1,000 at the time. I used my card often and I won’t lie, occasionally carried a balance over from month to month but nontheless still made more than the minimum payment every month before the due date. My account was in good standing with no remarks for 4 consistent years until suddenly I was 30, 60, then 90 days late on my balance and it was closed.
I have three total CC accounts in collections and as soon as I was notified by the other two that my account was closed and headed to collections, I received calls from debt collection agencies. For my Amex however, it has never been anyone on the other end of the phone other than Amex themselves. I stopped receiving emails from them about my credit card bill but instead I would occasionally receive an email with an offer to settle my balance and to call or contact them if I have any questions. Can anyone explain this to me? Why am I not getting calls from random debt collectors for my Amex account?
The balance I currently owe to Amex is $1,413. I received an email from them with an offer to settle my debt for less and they gave me a couple of options, one was to settle for $500 and something, the other for $713 and the last option was to pay off my balance in full. Of course, the last option was most recommended.
When it comes to settling a CC collection debt for less vs paying it in full, does it make a huge difference in the increase of my credit score? In the offer letter, it states that once Amex has received all the funds for my remaining balance, they agree to report my balance as $0 and paid in full to the credit bureau. Would I still need to write a letter afterwards asking them to remove the collection off of my report, or is that the same thing in different words? I do understand that it is very easy to settle a debt for less, but I am wondering if that jeopardizes any future relationship I want to have with that CC company in the future? I called Amex to discuss the plan for my payments, and when I asked if paying in full would help my chances of being approved for another card in the future this is what the agent told me; It would be amazing to pay off the full balance and you will then be eligible for the Amex Optima Card (and from my research that seems like Amex’s “second chance” card). Once my debt has been cleared, I am pre approved for an application for the Optima and upon approval, if I make consistent payments I will have the chance to apply for an unsecured Amex card again. When she explained this to me, I was so happy to hear that I wasn’t going to be on that dreaded blacklist for life. I am wondering if anyone has any personal experience with this or even any knowledge at all. If I contact them and tell them I am willing to pay X amount to settle my debt with them rather than paying in full, will my chance at another Amex card be gone?
The same kind of question goes for the other CC companies (CapOne & Chase) but the only difference is that I am no longer communicating with them anymore. I would be communicating with whatever debt collector spent 4 cents on it.
My main questions that I would love any insight at all on are as follows:
Does paying a credit card collection debt in full versus settling the debt for less make a big difference towards a credit score increase? $700 is a lot more doable than $1400, so if it doesn’t change much, I’d rather settle.
Does settling your debt for less completely destroy your relationship with a bank forever?
When I am having these conversations about my debt with the collectors, do I need to ask if they will remove the debt off of my report?
Last question, on a scale of 1-10, how fucked is my credit after all of this? I have around 10k of CC collections under my name. I have a couple of things that are helping, like a car loan and being an authorized user on some other accounts. Right now my scores are at 601, 591 and 579. (Experian)
Even after they are all paid off and potentially removed, will my credit score even be that much higher? Before all of this all happened, I was almost to the 800 club. Feeling very hopeless here!

Got denied for a Blue Cash Everyday and they said this was the reason.
The amount of credit available on your bank credit card account with the least credit available is too low (Experian) Our evaluation of the accounts on your credit report based on the number, type, length of time opened, and credit risk level. (Experian) The highest amount of credit available on a bank credit card account reported within the last 12 months is too low (Experian) The length of time your loan(s) have been established. (Experian)

If you're reading this, perhaps you're like me. You have most things you want in GTA Online. You've "done it all". And now you're bored.
But... have you *really* done it all? Turns out, most of us haven't. There's so much to do in this game, and it's easy to get stuck in old habits that prevent us from discovering everything there is to do in Los Santos!
So I began writing down all my ideas for having fun in the game, and basically use these suggestions as guidelines to always find something new to do. It has completely reinvigorated my joy for the game, and I hope it can help you do the same!
If you're having trouble with motivation or inspiration, then I suggest picking something at random from the list and just doing it! You might disccover that you love it, just like I did!
And if you have anything more to add, please share your comments so that we can all help build this list together. :)
​
Let's go!
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• Break Your Habits: Most people have a routine that they repeat over and over again until they get burned out and bored with the game! Your number one goal for having fun must be to break your old habits!
• Grind Less: If you've played for a long time, there's absolutely zero reason to grind big piles of useless money. People often develop bad habits where they finally grind so much that they forget to have fun. The "wonder" of the world completely vanishes when everything becomes about optimal times and optimal routes and optimal mission rotations. Relax! Start exploring everything that the game has to offer instead! Dare to do the "less optimal" routes, and have the courage to stop stressing about the "time efficiency" when you do the game's content. Sure, perhaps you can do a mission in 2 minutes with an Oppressor Mk2, but why not relax, put on a podcast, and do a relaxing 5 minute drive instead? Relax and have fun!
• Switch Off the Business Mindset: Why grind at all? Why do businesses at all? What do you really need the money for, whatsoever? If it feels like grinding, do something else that's more fun for you! Stop thinking about the money and start thinking about the real-world fun you're having! Start actually enjoying all the things you've previously grinded for! Perhaps you might enjoy treating GTA as a racing simulator where you mostly do challenges/race maps instead? There's so much more to do that isn't purely related to earning money!
• Accept All Invites: When you see invites to races, challenges, missions, etc, accept them! You will broaden your horizons about what you can do in the game, and you will often make the newbies very happy! Of course, if it turns out they're a hopelessly stupid newbie who keeps dying and never improves, then sure, I'd suggest leaving the heist to save your time and sanity. But most of the time, the other players will be smart enough to learn quickly. You can easily make great, new friends this way!
• Protect the Newbies: If you see someone doing a sales mission in a public lobby, why not fly over there in a powerful airborne vehicle (or heck, a missile-equipped Toreador car), and then follow them as their bodyguard against any griefers that may appear!
• Join People's CEO/MC: You can list yourself as "looking for work" via the interaction menu, which will alert other people that there's someone looking for work in the session. You can then join them and help people out with their missions, which is often a fun and relaxing activity for a while!
• Get a Crew: Look around for a crew of like-minded people. They exist. There are crews that specialize in heisting with competent players. There are crews that focus on racing. There are crews for Arena War. There are crews that only do LS Car Meet challenges/races. There's even crews specialized in doing sales missions together, by helping each other with business sales, if that's your thing! Finding a group of people with a compatible mindset and interests really pays off in the end!
• Switch Sessions: You can jump between multiple public sessions until you find one that matches your mood. Perhaps a nice, quiet sessions without griefers, perfect for doing sales missions? Or maybe one where there's a group of people that are actively doing something fun, which you can join in on? Don't just settle for your session. Explore what's out there!
• Do the Stupid Things: Grab your friends or some randoms, and challenge each other to do the most stupid and random things you can think of. The game is a sandbox. So start acting like it! For example, why not challenge each other with things like "everyone starts at the beach without any vehicles, your goal is to get to the Senora Desert convenience store, and you're only allowed to use stolen vehicles, the first person to reach the desert wins", or how about "everyone jumps from the Maze Bank Tower and your goal is to ride your parachute all the way to the ferris wheel". Is that even possible? Who knows! Let's find out!
• Become a Map Creator: If you've had fun making random challenges in freeroam, why not make them into more formal challenges, by creating actual maps? The map creator is very advanced. You can modify the world, add checkpoints anywhere you want, you could make a bicycle race, add pedestrians, enable weapon wheel usage, add parachute jumps, stunt jumps, survival modes, etc. Go wild!
• River Racing: The game has two epic rivers that start at the "Alamo Sea" (desert lake) and head west out to the ocean. Why not do a race with some friends? Get the Blazer Aqua amphibious quad bike and start at the desert, then race through one of the rivers, which is full of fun jumps. Next, decide on a destination (such as the Del Perro Pier) and do the rest of the drive on roads to see who gets there first.
• Stop Flying: Whenever a game lets you fly, you end up skipping huge amounts of content and world design and just flying directly above it all. That's nice if you want to get somewhere efficiently, but it really breaks the game's immersion. Try driving everywhere instead!
• Learn to Fly: Many players are awful at flying (especially the helicopters). Why not practice your flying skills? Perhaps try landing your helicopter at very tight spots, on rooftops, and other fun locations!
• Use Motorcycles: They're more thrilling than cars, because crashing actually has consequences. They're also very fast and agile, which feels awesome while driving through the city!
• Oppressor MK1: Fly around the map, trying to create your own challenges such as flying over the water or climbing Mount Chiliad.
• Climb the Mountain: Find various fun vehicles and attempt to climb Mount Chiliad in them. There's lots of fun to be had with motorcycles at the mountain!
• BMX Tricks: There are so many skate parks and BMX bicycle stunt locations in the city. Why not look at some BMX stunt videos for inspiration?
• Throw Away the GPS: Stop staring at the minimap while driving! This is super fun. Let's say that you need to get to Simeon's shop. Instead of opening up the world map and setting a map marker and following the GPS line like a lemming, try to train yourself to navigate the city! Drive the streets, look at the surroundings and actually navigate! It's so much fun and you'll feel way more relaxed. The city will also feel way more immersive. You can even modify the minimap via "Settings: Display: Radar = Blips", which hides the map so that you can't see the shape of the streets by glancing at the minimap anymore. You can even disable it completely, but unfortunately it also hides the healthbar if you do that.
• Use First Person: You can change the game's camera mode to first person, which is a really unique and immersive way to play the game. Steal some cars and go cruising! It will feel like an entirely different game when you get used to it!
• Take Selfies: Find beautiful locations and attempt to take great screenshots, with perfect framing and composition! You can use the game's built-in snapmatic camera, or you can use your regular screenshot key instead! Collecting photos of your adventures is a nice way to remember where you've been!
• Businesses: There are so many businesses in the game, and it's easy to forget about them after a while. Look at your businesses and begin doing their sourcing and sales missons again! Most of us quit them because they're very grindy, but after a long time away from them, they'll feel fresh again. And they'll feel much more relaxing if you vary between your different businesses and you only do one or two missions at a time, to never get bored.
• Nightclub: Do the promotion/popularity missions, which involve going around town and promoting the nightclub, or helping to remove unwanted or drunk guests from the club. All of that improves your popularity, which improves the passive income you're earning from the club!
• Get the DJs: The nightclub has multiple DJs. Why not unlock them all? Their missions are very fun, and you'll earn new music for your club.
• Bunker: Why not do some manual supply missions, just to relax and have fun? Sure, the optimal way to make money with the bunker is to buy the supplies and do "better" things with your time instead of sourcing supplies, but why does everything have to be about ultimate efficiency all the time? If you're a long-time player, you already have lots of money and you need new things to do!
• Contact Missions: So many people don't even know that you can get missions by calling NPCs on the phone. It's named "contact missions" and they can be very fun. I recommend calling Dax and doing "Request Work" from him, because his missions are very varied and after you've done enough you get various important rewards, such as upgrades for your Acid Lab business.
• CEO/VIP Work: When you're a CEO, you can start SecuroServ missions via the interaction menu. There's lots of fun ones! For example, why not get your favorite car, relax and do the Sightseer mission, seeing where the map markers will take you while you enjoy the relaxing drive? The mission gives you 15 minutes, which is plenty of time to take the scenic route.
• Terrorbyte Missions: Another forgotten relic! The terrorbyte has lots of fun missions which are very good for variation. They used to be the best "active" way to earn money in GTA. Most players who grinded those missions have only done the "optimal rotation", but how about actually doing all of the available missions for fun?
• Rockstar Jobs: There are so many high-quality maps, races and challenge modes in the game. Explore the official list of RockstaCurated jobs in the game's pause menu. There's a ton of them!
• Community Jobs: There's a ton of cool community maps in the game. Remember to favorite the ones you liked so that you can easily start the same again!
• Auto Shop: Do the customer car customization and delivery jobs, and do the heists! They can be done solo.
• MC Club: Do the customer motorcycle customization and delivery jobs.
• Vehicle Warehouse: Do the Import/Export car theft and sales missions. Be sure to use the trick that ensures you only get high-end cars (permanently fill the warehouse with every worthless sourced car in the game, then you will only get high-end cars after that).
• Acid Lab: The best passive income business in the game. Spend some time doing Dax's contact missions to fully upgrade your lab's efficiency and it will become very profitable. Then mix up your gameplay between both sourcing Acid supplies or buying them. And do the sales missions.
• Franklin's Agency: Do the Dr. Dre story missions, then do 201x Security Contract missions until you've unlocked the highest amount of passive daily income (it goes up by $100 every time you do a mission, capped at $20,000 after having done 201 contracts).
• Payphone Hits: They're unlocked after doing at least 3 Security Contract missions. Then you can pick up assassination contracts from ringing payphones. They're very profitable.
• Weekly Time Trials: Do the camotorcycle time trial and the RC car time trial every week, they're a good way to learn how to drive and they give a nice bit of money! Remember that you can hold a key to respawn at the start of the race before the time has ended, if you're sure that you won't make it in time.
• Daily Objectives: In your interaction menu, look at the Objectives and complete them. They're a good way to be inspired to do things you might not do otherwise.
• Daily Collectible Hunts: G's Cache (hunt for the hidden street cache), Kosatka submarine treasure hunt, Street dealer (find it and sell to it every day), etc.
• Get a Fresh Look: Create a new character outfit (clothes, hairstyle, tattoos, mask).
• Use Different Weapons: Challenge yourself to use different weapons than the same old, boring weapon you always use. For example, how about only using the Heavy Revolver? Make those shots count!
• Modify Your Weapons: Change their styles and attachments.
• Tune Your Precious Car: You might have a "perfectly tuned" car that you've been driving for years and that you're always using. Why not modify it a bit? Put a different livery on it, and some different colors at least? What felt "fresh" two years ago would just be contributing to a feeling of "staleness" today. Freshen things up!
• Ride of the Day: Most long-time players have around a hundred vehicles, but most of them collect dust. Why not set fun "challenge" rules for yourself, such as randomly selecting a vehicle and using only that vehicle on that real-life day?
• Outfit of the Day: Why not make it your goal to create a new character "outfit of the day" (or week) whenever you log in? It's a great way to get a fresh feeling every time you play!
• Minigames: How about some Golf, Tennis, Darts or Arm Wrestling?
• Gang Attacks: Find a gang and eliminate them!
• Stash Houses: Find the stash houses and raid them for resources for your businesses.
• Parachute: Go somewhere high up and do a parachute dive! Better yet, look for the Junk Energy Skydives challenges on the map, or do Dom's parachute challenge (which is a special skydive at a random location).
• San Andreas Flight School: Do the flight school challenges! They're at the Los Santos Airport, at the airplane icon!
• Gun Range Challenges: Complete the Bunker's and Ammo-Nation Gun Range shooting challenges!
• Gun Range with Friends: Challenge a friend to the gun range mini-games, where you compete to see who is the most accurate!
• MC Club Missions: Form a MC club with at least one friend, then ride in formation and start MC missions via the interaction menu.
• MC Businesses: Yes, they're the most hated businesses in the game, but why not do them a little bit? You could do a little bit of supplying and a few small sales missions, to ensure that you have small sales. Or, team up with friends and take turns helping each other do larger sales.
• Racing: Do Open Wheel, Stunt Races, Transform Races, and Regular Races. There are so many different kinds of races in the game! The transform races are the newest feature, and are very cool, since you might drive a supercar down the street to the airport, then transform into a plane and fly through the sky, and other epic things, all in the same race map!
• LS Car Meet: Do the challenges, races and rank up your LS Car Meet rank. Try to win the Prize Ride!
• Lobby Car Meets: You can try arranging car meets with other people in the lobby, to check out each other's cars! Just beware of griefers. You may want to do it in the LS Car Meet building to avoid the griefer explosions, or just switch to a lobby with cooler people.
• Arcade: Play the arcade games and try to beat them! Some of them have hidden rewards for completing the game or completing certain challenges.
• Achievements: Look at the pause menu's Stats - Awards section, and pick some award that you'll try to complete! There are so many fun challenges in there, such as attempting to parachute for more than 3 minutes, or robbing every store on the map (you can see the checkmarks on the map to know if you've robbed those stores).
• Stunt Jumps: There are 50 stunt jump locations on the map, which unlock a few rewards and are also really fun to complete!
• Unlock Vehicle Colors: You may have noticed that certain colors are locked behind challenges, such as winning a certain amount of races. Why not finally unlock those colors you've always wanted but were always "too lazy" to unlock? You'll get to enjoy some flashy, new vehicle colors!
• Arena War: Very fun, but unfortunately hard to get a group going for it. But if you can get a group, Arena War is super fun.
• Freemode Battles: Join a large lobby and just do whatever you want while you're waiting for freemode battles, which start every 20 minutes and will alternate between Business Battles and Freemode Challenges. Then attempt to win those battles! Events will only trigger when there are at least 4 players outdoors, and they cannot be in the same CEO/MC.
• Ride with Strangers: Pick your nicest car and then drive around and invite strangers to either ride with you or do impromptu street race 1v1 challenges.
• Freemode Map Markers: Look at the map. There are icons and glowing markers everywhere on the map/streets. Visit whichever icon is nearest your current location and see what's there! Remember that you can go "On Call" (queue) for public races/missions while you're waiting for them to fill up, which lets you stay in Freemode while you're waiting.
• Weekly Bonuses: Look at the Rockstar Newswire to see what the weekly bonus money is, and focus on doing that business/event for a while, to earn some money!
• Max Your Stats: Get all your stats to maximum! Most people haven't finished Strength, which can be gradually maxed for fun by simply punching every civilian you see.
• Invade the Military: Invade the military base at Fort Zancudo with some friends, and make it your mission to steal a Lazer jet plane.
• Heists: Do some heist preps or full heists for fun! Many of them can be casually setup while solo, which is very relaxing! Most of the newer heists can even be completed while solo!
• Change Your Heist Routes: You don't have to always do the same approach over and over again. Most heists have a lot of different approaches. For example, have you ever successfully completed the "Silent and Sneaky" approach at the Casino? Start exploring the different possibilities out there!
• Yellow Mission Markers: The yellow letters/markers on the map show the location of significant storyline missions (such as ULP, Agency, Acid Lab, etc). Visit those locations and start completing the stories that GTA Online has to offer!
• Do the Jobs: Go to "Online - Jobs" in the pause menu, and explore the available options!
• Answer the Calls: There are so many fun missions for English Dave, the various DJs at the Music Locker, the Casino staff, etc. In most cases, you'll also get some kind of reward if you finish them all! You might even get them to stop calling you when you've finished everything, which is a nice reward in itself!
• Check Your Texts/Emails: There's a lot of "mini missions" that arrive via emails/text messages. For example, Simeon asks you to steal certain cars every day. There's also an early game treasure hunt which starts through an email.
• Use Quick Join: There's an app on your phone named "Quick Join". It queues you for a rapid, random job. It's a great way to explore new content, meet new people and to help them with the queues for their own missions.
• Browse the Internet: There are a ton of funny parody websites in GTA Online's internet browser. Explore what's out there!
• Watch TV/Movies: Have you seen all the TV shows and cinema movies yet? If not, relax and have some fun! :)
• Customize Your Phone: You can change the theme, background, ringtone and other settings for your in-game phone. Why not change things a bit?
• Don't Be Annoyed: The phone calls and missions may seem annoying, but try actually relaxing and doing them. Listen to the phone calls. Call the NPCs. Do their missions! They are pretty nice and chill activities which gives you something to do in the game and some challenges.
• Use a Gamepad: If you're a PC player, you'll know that most of the game is too easy, since the aiming and enemy difficulty was balanced for console (gamepad) players. Try using a gamepad on PC! Not only will your driving and flying be massively improved, you'll also have a much more fun fun time when fighting enemies, since you can't just "360 No Scope" everything with your superior pointing device anymore. You'll even get immersive rumble that lets you feel the engine of your cars! How cool is that?! The game's options lets you finetune the sensitivity and aiming mode, and true professionals will use "Free Aim" which completely disables the auto-aiming.
• Meet Different People: If you're mostly a heist person, look for someone who loves cars and start hanging out with them to absorb some of their passion for another aspect of the game. You might learn to love car tuning too!
• Trade Prices: Many vehicles in the game have trade prices which give you a massive discount on the vehicle if you complete the challenge first. So set your eyes on a nice vehicle and do its challenges for fun! The discount you're earning will be like earning a huge sum of money that you put towards that specific vehicle. For example, a 2 million dollar discount on a vehicle you wanted is the same as if you had just earned 2 million dollars that you decided to spend on that vehicle! So don't sleep on the trade price discounts! They're a fun challenge with a very high monetary value!
• Bunker Research: If you have a bunker, try doing the research! You can unlock a ton of cool and super useful vehicle and weapon modifications! The explosive and incendiary ammo are must-haves.
• Mobile Operations Missions: The Mobile Operations Center is a forgotten business. It exists in your bunker, but you can request it via your Interaction Menu. Enter the truck's trailer, and then start missions from the computer in the command room!
• Avenger: Take your Avenger out for a drive! It's an extremely powerful, heavily armored aircraft and can be customized with various fun additions.
• Relaxing Yacht: Why not purchase or upgrade your yacht, and chill on it for a while with some friends? It even has lots of fun water vehicles parked in the water at the yacht, and helicopter pads for easy travel.
• Yacht Missions: You can start the fun "A Superyacht Life" mission series from the captain on your yacht. You'll even get a fun Yacht Captain outfit if you complete them all as host.
• Special Vehicle Work: The Vehicle Warehouse provides various epic missions whose "main" purpose is to unlock trade prices on various weaponized vehicles, but the missions themselves are fun too. Most players only do the specific missions for the vehicles they wanted to buy. Why not complete them all at least once, or play them again for fun?
• Collectibles: The map is full of collectible items, such as USB music sticks, playing cards, action figures, signal jammers (to unlock the best hacker for the Casino heist), etc. Why not relax and do them all for fun? They all unlock something fun or useful!
• Dream Vehicle: Relax, do some research about vehicles are available in the game, and set your eyes on a new "dream vehicle". Then work towards earning it and pimping it just the way you want it! Having a goal is fun!
• Test Drives: Check out the weekly test drives at the "Luxury Autos" shop, at Simeon's "Premium Deluxe Motorsport", and at the "LS Car Meet". You might find your new dream vehicle!
• Collect Vehicle Sets: You might have fun building specific collections, such as all Benny's vehicles in the game, etc. Setting goals for yourself about specific vehicle collections gives you something to strive for, and means that there's a lot of new things you'll need to buy and tune, which will keep you busy for a while!
• Sell Vehicles: Let's be honest, there are a lot of stinkers in your collection. Why not sell them? Just beware of the game's daily sell limit. The limit will be hit somewhere around 30-40 cars sold in 24 real-life hours. I'd suggest only selling 1-5 cars per real life day, which ensures that you'll never face the anger of Rockstar, and you'll have more time to make deliberate choices about which vehicles to get rid of. You'll also be getting roughly 50% of your previously spent money back for each sold vehicle! I'd recommend forcing yourself to drive a vehicle for a while before selling it, and looking at its customizations to see if you'd like it if you changed its style a bit, so that you're absolutely sure that you don't want it.
• Organize Your Vehicles: A lot of people have a complete mess in their garages. Why not begin sorting your cars, such as placing all your best cars at the premium display spots in your office garage? Perhaps organizing the floors by vehicle type? You can have lots of fun and you'll get a much better overview of your available vehicles.
• Relocate Yourself: If you've been staring at the same, old, boring spot for years, it could be fun to move! Most players choose the ugly, industrial, "optimal" locations. Why not relax and move to the beautiful beach instead? The Lombank office, the Insert Coin arcade, the Vespucci Beach MC clubhouse, the Del Perro Nightclub, the Strawberry auto shop, and the Vespucci Canals agency are all very beautiful locations with amazing interior and exterior design and great views! They're also very well placed for all of their business purposes!
• Browse in Person: When you're looking at real estate on the internet, things look very boring and impersonal. Why not take a drive around the city and look at the "real estate for sale" map markers in person? Perhaps you'll find a great new location for your home! However, if it's a multi-apartment house, I recommend checking YouTube for the various room views, to find the room with the best view before you buy it.
• Upgrade Your Properties/Businesses: If you haven't yet upgraded all of the equipment for a business, it's a great idea to upgrade it to improve its efficiency and safety. Or how about changing the interior design for fun, to replace the "same old daily view" with a fresh new look?
• Buy Every Arcade Machine: There are so many fun minigame machines for your arcade. Why not buy them all and pimp that place out? It's a nice place to relax, and even get some rewards for completing the games.
• Get All Passive Businesses: Why not work towards getting and fully upgrading all of the passive incomes in the game? Such as the Nightclub (which automatically generates money in the safe based on popularity, and generates MC business products to sell from its basement), the Acid Lab (which can be restocked with a simple phone call to Mutt, and has easy sales missions), the Arcade (which generates $5000 per in-game day when you've filled all of its interior slots with arcade machines, which can all be the same machine if you want), the Agency (which generates up to $20000 per in-game day based on how many Security Contracts you've completed), Street Dealers (finding the daily street dealer is much faster than regular sales missions, and they pay more than regular missions), Bunker (you can resupply it via one click with the Master Control Terminal in your Arcade, and then simply sell the product when it's still less than 25% full, thus guaranteeing a single sales vehicle every time). An added bonus of having passive businesses is the fact that they let you do other things in the game, such as doing racing and other fun challenges, while your businesses passively produce for you!
• Start Fresh: Did you know that your online account has two character slots? You can actually start fresh by simply withdrawing all of you banked money to your primary character, so that there's $0 in the bank. Then create a new character, which will begin at $0. Then relax and enjoy the ride of building a new empire. I suggest doing things differently this time. For example, if your primary character owns every business, why not just focus on a specific business this time, such as the CEO businesses (cargo crates), or just the vehicle warehouse, etc? Take this opportunity to simplify and avoid grinding, while still building a new playstyle to keep things fresh! Why not skip the Kosatka, so that you don't have the "easy Cayo Perico money" either? This slower, more deliberate, old-school way of making money will ensure that you have lots of fun, and you can set your own goals for what vehicles you want to save up money for on your new character! If you get tired of the grind, just switch back to your primary character again and enjoy the wealth. You can even delete your secondary character again to start fresh as many times as you want to.
• Spend Your Money: Having $100 million unused in the bank is just a completely pointless number, and is basically worth the same as having $0 in the bank if you aren't even using it. Unless your goal is to collect a specific amount of money for fun, I'd instead suggest that you actually start spending absolutely all of your money! Because if you can succeed in being perpetually slightly low on cash, you'll have much more reason to care about doing your businesses when you do want to buy something, which in turn drives your motivation to play again! Having a huge stash of money is bad for your motivation to play! Having a huge sash of money is like having an endless "Rich Daddy's Credit Card" in your wallet. Get rid of that credit card, buy a bunch of fun stuff, and enjoy the game more as a result!
• Play the Story: The vast majority of GTA Online players have barely touched the offline story. Why not relax with the story from time to time, gradually making your way through the epic offline story that started it all?
• Take a Break: If you're truly not finding any fun anymore, then take a break, perhaps a few weeks or a month is all you need to enjoy the game again! They also release content updates roughly twice per year, so you'll always have something new to return to in the future! :)

If you're reading this, perhaps you're like me. You have most things you want in GTA Online. You've "done it all". And now you're bored.
But... have you *really* done it all? Turns out, most of us haven't. There's so much to do in this game, and it's easy to get stuck in old habits that prevent us from discovering everything there is to do in Los Santos!
So I began writing down all my ideas for having fun in the game, and basically use these suggestions as guidelines to always find something new to do. It has completely reinvigorated my joy for the game, and I hope it can help you do the same!
If you're having trouble with motivation or inspiration, then I suggest picking something at random from the list and just doing it! You might disccover that you love it, just like I did!
And if you have anything more to add, please share your comments so that we can all help build this list together. :)
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Let's go!
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• Break Your Habits: Most people have a routine that they repeat over and over again until they get burned out and bored with the game! Your number one goal for having fun must be to break your old habits!
• Grind Less: If you've played for a long time, there's absolutely zero reason to grind big piles of useless money. People often develop bad habits where they finally grind so much that they forget to have fun. The "wonder" of the world completely vanishes when everything becomes about optimal times and optimal routes and optimal mission rotations. Relax! Start exploring everything that the game has to offer instead! Dare to do the "less optimal" routes, and have the courage to stop stressing about the "time efficiency" when you do the game's content. Sure, perhaps you can do a mission in 2 minutes with an Oppressor Mk2, but why not relax, put on a podcast, and do a relaxing 5 minute drive instead? Relax and have fun!
• Switch Off the Business Mindset: Why grind at all? Why do businesses at all? What do you really need the money for, whatsoever? If it feels like grinding, do something else that's more fun for you! Stop thinking about the money and start thinking about the real-world fun you're having! Start actually enjoying all the things you've previously grinded for! Perhaps you might enjoy treating GTA as a racing simulator where you mostly do challenges/race maps instead? There's so much more to do that isn't purely related to earning money!
• Accept All Invites: When you see invites to races, challenges, missions, etc, accept them! You will broaden your horizons about what you can do in the game, and you will often make the newbies very happy! Of course, if it turns out they're a hopelessly stupid newbie who keeps dying and never improves, then sure, I'd suggest leaving the heist to save your time and sanity. But most of the time, the other players will be smart enough to learn quickly. You can easily make great, new friends this way!
• Protect the Newbies: If you see someone doing a sales mission in a public lobby, why not fly over there in a powerful airborne vehicle (or heck, a missile-equipped Toreador car), and then follow them as their bodyguard against any griefers that may appear!
• Join People's CEO/MC: You can list yourself as "looking for work" via the interaction menu, which will alert other people that there's someone looking for work in the session. You can then join them and help people out with their missions, which is often a fun and relaxing activity for a while!
• Get a Crew: Look around for a crew of like-minded people. They exist. There are crews that specialize in heisting with competent players. There are crews that focus on racing. There are crews for Arena War. There are crews that only do LS Car Meet challenges/races. There's even crews specialized in doing sales missions together, by helping each other with business sales, if that's your thing! Finding a group of people with a compatible mindset and interests really pays off in the end!
• Switch Sessions: You can jump between multiple public sessions until you find one that matches your mood. Perhaps a nice, quiet sessions without griefers, perfect for doing sales missions? Or maybe one where there's a group of people that are actively doing something fun, which you can join in on? Don't just settle for your session. Explore what's out there!
• Do the Stupid Things: Grab your friends or some randoms, and challenge each other to do the most stupid and random things you can think of. The game is a sandbox. So start acting like it! For example, why not challenge each other with things like "everyone starts at the beach without any vehicles, your goal is to get to the Senora Desert convenience store, and you're only allowed to use stolen vehicles, the first person to reach the desert wins", or how about "everyone jumps from the Maze Bank Tower and your goal is to ride your parachute all the way to the ferris wheel". Is that even possible? Who knows! Let's find out!
• Become a Map Creator: If you've had fun making random challenges in freeroam, why not make them into more formal challenges, by creating actual maps? The map creator is very advanced. You can modify the world, add checkpoints anywhere you want, you could make a bicycle race, add pedestrians, enable weapon wheel usage, add parachute jumps, stunt jumps, survival modes, etc. Go wild!
• River Racing: The game has two epic rivers that start at the "Alamo Sea" (desert lake) and head west out to the ocean. Why not do a race with some friends? Get the Blazer Aqua amphibious quad bike and start at the desert, then race through one of the rivers, which is full of fun jumps. Next, decide on a destination (such as the Del Perro Pier) and do the rest of the drive on roads to see who gets there first.
• Stop Flying: Whenever a game lets you fly, you end up skipping huge amounts of content and world design and just flying directly above it all. That's nice if you want to get somewhere efficiently, but it really breaks the game's immersion. Try driving everywhere instead!
• Learn to Fly: Many players are awful at flying (especially the helicopters). Why not practice your flying skills? Perhaps try landing your helicopter at very tight spots, on rooftops, and other fun locations!
• Use Motorcycles: They're more thrilling than cars, because crashing actually has consequences. They're also very fast and agile, which feels awesome while driving through the city!
• Oppressor MK1: Fly around the map, trying to create your own challenges such as flying over the water or climbing Mount Chiliad.
• Climb the Mountain: Find various fun vehicles and attempt to climb Mount Chiliad in them. There's lots of fun to be had with motorcycles at the mountain!
• BMX Tricks: There are so many skate parks and BMX bicycle stunt locations in the city. Why not look at some BMX stunt videos for inspiration?
• Throw Away the GPS: Stop staring at the minimap while driving! This is super fun. Let's say that you need to get to Simeon's shop. Instead of opening up the world map and setting a map marker and following the GPS line like a lemming, try to train yourself to navigate the city! Drive the streets, look at the surroundings and actually navigate! It's so much fun and you'll feel way more relaxed. The city will also feel way more immersive. You can even modify the minimap via "Settings: Display: Radar = Blips", which hides the map so that you can't see the shape of the streets by glancing at the minimap anymore. You can even disable it completely, but unfortunately it also hides the healthbar if you do that.
• Use First Person: You can change the game's camera mode to first person, which is a really unique and immersive way to play the game. Steal some cars and go cruising! It will feel like an entirely different game when you get used to it!
• Take Selfies: Find beautiful locations and attempt to take great screenshots, with perfect framing and composition! You can use the game's built-in snapmatic camera, or you can use your regular screenshot key instead! Collecting photos of your adventures is a nice way to remember where you've been!
• Businesses: There are so many businesses in the game, and it's easy to forget about them after a while. Look at your businesses and begin doing their sourcing and sales missons again! Most of us quit them because they're very grindy, but after a long time away from them, they'll feel fresh again. And they'll feel much more relaxing if you vary between your different businesses and you only do one or two missions at a time, to never get bored.
• Nightclub: Do the promotion/popularity missions, which involve going around town and promoting the nightclub, or helping to remove unwanted or drunk guests from the club. All of that improves your popularity, which improves the passive income you're earning from the club!
• Get the DJs: The nightclub has multiple DJs. Why not unlock them all? Their missions are very fun, and you'll earn new music for your club.
• Bunker: Why not do some manual supply missions, just to relax and have fun? Sure, the optimal way to make money with the bunker is to buy the supplies and do "better" things with your time instead of sourcing supplies, but why does everything have to be about ultimate efficiency all the time? If you're a long-time player, you already have lots of money and you need new things to do!
• Contact Missions: So many people don't even know that you can get missions by calling NPCs on the phone. It's named "contact missions" and they can be very fun. I recommend calling Dax and doing "Request Work" from him, because his missions are very varied and after you've done enough you get various important rewards, such as upgrades for your Acid Lab business.
• CEO/VIP Work: When you're a CEO, you can start SecuroServ missions via the interaction menu. There's lots of fun ones! For example, why not get your favorite car, relax and do the Sightseer mission, seeing where the map markers will take you while you enjoy the relaxing drive? The mission gives you 15 minutes, which is plenty of time to take the scenic route.
• Terrorbyte Missions: Another forgotten relic! The terrorbyte has lots of fun missions which are very good for variation. They used to be the best "active" way to earn money in GTA. Most players who grinded those missions have only done the "optimal rotation", but how about actually doing all of the available missions for fun?
• Rockstar Jobs: There are so many high-quality maps, races and challenge modes in the game. Explore the official list of RockstaCurated jobs in the game's pause menu. There's a ton of them!
• Community Jobs: There's a ton of cool community maps in the game. Remember to favorite the ones you liked so that you can easily start the same again!
• Auto Shop: Do the customer car customization and delivery jobs, and do the heists! They can be done solo.
• MC Club: Do the customer motorcycle customization and delivery jobs.
• Vehicle Warehouse: Do the Import/Export car theft and sales missions. Be sure to use the trick that ensures you only get high-end cars (permanently fill the warehouse with every worthless sourced car in the game, then you will only get high-end cars after that).
• Acid Lab: The best passive income business in the game. Spend some time doing Dax's contact missions to fully upgrade your lab's efficiency and it will become very profitable. Then mix up your gameplay between both sourcing Acid supplies or buying them. And do the sales missions.
• Franklin's Agency: Do the Dr. Dre story missions, then do 201x Security Contract missions until you've unlocked the highest amount of passive daily income (it goes up by $100 every time you do a mission, capped at $20,000 after having done 201 contracts).
• Payphone Hits: They're unlocked after doing at least 3 Security Contract missions. Then you can pick up assassination contracts from ringing payphones. They're very profitable.
• Weekly Time Trials: Do the camotorcycle time trial and the RC car time trial every week, they're a good way to learn how to drive and they give a nice bit of money! Remember that you can hold a key to respawn at the start of the race before the time has ended, if you're sure that you won't make it in time.
• Daily Objectives: In your interaction menu, look at the Objectives and complete them. They're a good way to be inspired to do things you might not do otherwise.
• Daily Collectible Hunts: G's Cache (hunt for the hidden street cache), Kosatka submarine treasure hunt, Street dealer (find it and sell to it every day), etc.
• Get a Fresh Look: Create a new character outfit (clothes, hairstyle, tattoos, mask).
• Use Different Weapons: Challenge yourself to use different weapons than the same old, boring weapon you always use. For example, how about only using the Heavy Revolver? Make those shots count!
• Modify Your Weapons: Change their styles and attachments.
• Tune Your Precious Car: You might have a "perfectly tuned" car that you've been driving for years and that you're always using. Why not modify it a bit? Put a different livery on it, and some different colors at least? What felt "fresh" two years ago would just be contributing to a feeling of "staleness" today. Freshen things up!
• Ride of the Day: Most long-time players have around a hundred vehicles, but most of them collect dust. Why not set fun "challenge" rules for yourself, such as randomly selecting a vehicle and using only that vehicle on that real-life day?
• Outfit of the Day: Why not make it your goal to create a new character "outfit of the day" (or week) whenever you log in? It's a great way to get a fresh feeling every time you play!
• Minigames: How about some Golf, Tennis, Darts or Arm Wrestling?
• Gang Attacks: Find a gang and eliminate them!
• Stash Houses: Find the stash houses and raid them for resources for your businesses.
• Parachute: Go somewhere high up and do a parachute dive! Better yet, look for the Junk Energy Skydives challenges on the map, or do Dom's parachute challenge (which is a special skydive at a random location).
• San Andreas Flight School: Do the flight school challenges! They're at the Los Santos Airport, at the airplane icon!
• Gun Range Challenges: Complete the Bunker's and Ammo-Nation Gun Range shooting challenges!
• Gun Range with Friends: Challenge a friend to the gun range mini-games, where you compete to see who is the most accurate!
• MC Club Missions: Form a MC club with at least one friend, then ride in formation and start MC missions via the interaction menu.
• MC Businesses: Yes, they're the most hated businesses in the game, but why not do them a little bit? You could do a little bit of supplying and a few small sales missions, to ensure that you have small sales. Or, team up with friends and take turns helping each other do larger sales.
• Racing: Do Open Wheel, Stunt Races, Transform Races, and Regular Races. There are so many different kinds of races in the game! The transform races are the newest feature, and are very cool, since you might drive a supercar down the street to the airport, then transform into a plane and fly through the sky, and other epic things, all in the same race map!
• LS Car Meet: Do the challenges, races and rank up your LS Car Meet rank. Try to win the Prize Ride!
• Lobby Car Meets: You can try arranging car meets with other people in the lobby, to check out each other's cars! Just beware of griefers. You may want to do it in the LS Car Meet building to avoid the griefer explosions, or just switch to a lobby with cooler people.
• Arcade: Play the arcade games and try to beat them! Some of them have hidden rewards for completing the game or completing certain challenges.
• Achievements: Look at the pause menu's Stats - Awards section, and pick some award that you'll try to complete! There are so many fun challenges in there, such as attempting to parachute for more than 3 minutes, or robbing every store on the map (you can see the checkmarks on the map to know if you've robbed those stores).
• Stunt Jumps: There are 50 stunt jump locations on the map, which unlock a few rewards and are also really fun to complete!
• Unlock Vehicle Colors: You may have noticed that certain colors are locked behind challenges, such as winning a certain amount of races. Why not finally unlock those colors you've always wanted but were always "too lazy" to unlock? You'll get to enjoy some flashy, new vehicle colors!
• Arena War: Very fun, but unfortunately hard to get a group going for it. But if you can get a group, Arena War is super fun.
• Freemode Battles: Join a large lobby and just do whatever you want while you're waiting for freemode battles, which start every 20 minutes and will alternate between Business Battles and Freemode Challenges. Then attempt to win those battles! Events will only trigger when there are at least 4 players outdoors, and they cannot be in the same CEO/MC.
• Ride with Strangers: Pick your nicest car and then drive around and invite strangers to either ride with you or do impromptu street race 1v1 challenges.
• Freemode Map Markers: Look at the map. There are icons and glowing markers everywhere on the map/streets. Visit whichever icon is nearest your current location and see what's there! Remember that you can go "On Call" (queue) for public races/missions while you're waiting for them to fill up, which lets you stay in Freemode while you're waiting.
• Weekly Bonuses: Look at the Rockstar Newswire to see what the weekly bonus money is, and focus on doing that business/event for a while, to earn some money!
• Max Your Stats: Get all your stats to maximum! Most people haven't finished Strength, which can be gradually maxed for fun by simply punching every civilian you see.
• Invade the Military: Invade the military base at Fort Zancudo with some friends, and make it your mission to steal a Lazer jet plane.
• Heists: Do some heist preps or full heists for fun! Many of them can be casually setup while solo, which is very relaxing! Most of the newer heists can even be completed while solo!
• Change Your Heist Routes: You don't have to always do the same approach over and over again. Most heists have a lot of different approaches. For example, have you ever successfully completed the "Silent and Sneaky" approach at the Casino? Start exploring the different possibilities out there!
• Yellow Mission Markers: The yellow letters/markers on the map show the location of significant storyline missions (such as ULP, Agency, Acid Lab, etc). Visit those locations and start completing the stories that GTA Online has to offer!
• Do the Jobs: Go to "Online - Jobs" in the pause menu, and explore the available options!
• Answer the Calls: There are so many fun missions for English Dave, the various DJs at the Music Locker, the Casino staff, etc. In most cases, you'll also get some kind of reward if you finish them all! You might even get them to stop calling you when you've finished everything, which is a nice reward in itself!
• Check Your Texts/Emails: There's a lot of "mini missions" that arrive via emails/text messages. For example, Simeon asks you to steal certain cars every day. There's also an early game treasure hunt which starts through an email.
• Use Quick Join: There's an app on your phone named "Quick Join". It queues you for a rapid, random job. It's a great way to explore new content, meet new people and to help them with the queues for their own missions.
• Browse the Internet: There are a ton of funny parody websites in GTA Online's internet browser. Explore what's out there!
• Watch TV/Movies: Have you seen all the TV shows and cinema movies yet? If not, relax and have some fun! :)
• Customize Your Phone: You can change the theme, background, ringtone and other settings for your in-game phone. Why not change things a bit?
• Don't Be Annoyed: The phone calls and missions may seem annoying, but try actually relaxing and doing them. Listen to the phone calls. Call the NPCs. Do their missions! They are pretty nice and chill activities which gives you something to do in the game and some challenges.
• Use a Gamepad: If you're a PC player, you'll know that most of the game is too easy, since the aiming and enemy difficulty was balanced for console (gamepad) players. Try using a gamepad on PC! Not only will your driving and flying be massively improved, you'll also have a much more fun fun time when fighting enemies, since you can't just "360 No Scope" everything with your superior pointing device anymore. You'll even get immersive rumble that lets you feel the engine of your cars! How cool is that?! The game's options lets you finetune the sensitivity and aiming mode, and true professionals will use "Free Aim" which completely disables the auto-aiming.
• Meet Different People: If you're mostly a heist person, look for someone who loves cars and start hanging out with them to absorb some of their passion for another aspect of the game. You might learn to love car tuning too!
• Trade Prices: Many vehicles in the game have trade prices which give you a massive discount on the vehicle if you complete the challenge first. So set your eyes on a nice vehicle and do its challenges for fun! The discount you're earning will be like earning a huge sum of money that you put towards that specific vehicle. For example, a 2 million dollar discount on a vehicle you wanted is the same as if you had just earned 2 million dollars that you decided to spend on that vehicle! So don't sleep on the trade price discounts! They're a fun challenge with a very high monetary value!
• Bunker Research: If you have a bunker, try doing the research! You can unlock a ton of cool and super useful vehicle and weapon modifications! The explosive and incendiary ammo are must-haves.
• Mobile Operations Missions: The Mobile Operations Center is a forgotten business. It exists in your bunker, but you can request it via your Interaction Menu. Enter the truck's trailer, and then start missions from the computer in the command room!
• Avenger: Take your Avenger out for a drive! It's an extremely powerful, heavily armored aircraft and can be customized with various fun additions.
• Relaxing Yacht: Why not purchase or upgrade your yacht, and chill on it for a while with some friends? It even has lots of fun water vehicles parked in the water at the yacht, and helicopter pads for easy travel.
• Yacht Missions: You can start the fun "A Superyacht Life" mission series from the captain on your yacht. You'll even get a fun Yacht Captain outfit if you complete them all as host.
• Special Vehicle Work: The Vehicle Warehouse provides various epic missions whose "main" purpose is to unlock trade prices on various weaponized vehicles, but the missions themselves are fun too. Most players only do the specific missions for the vehicles they wanted to buy. Why not complete them all at least once, or play them again for fun?
• Collectibles: The map is full of collectible items, such as USB music sticks, playing cards, action figures, signal jammers (to unlock the best hacker for the Casino heist), etc. Why not relax and do them all for fun? They all unlock something fun or useful!
• Dream Vehicle: Relax, do some research about vehicles are available in the game, and set your eyes on a new "dream vehicle". Then work towards earning it and pimping it just the way you want it! Having a goal is fun!
• Test Drives: Check out the weekly test drives at the "Luxury Autos" shop, at Simeon's "Premium Deluxe Motorsport", and at the "LS Car Meet". You might find your new dream vehicle!
• Collect Vehicle Sets: You might have fun building specific collections, such as all Benny's vehicles in the game, etc. Setting goals for yourself about specific vehicle collections gives you something to strive for, and means that there's a lot of new things you'll need to buy and tune, which will keep you busy for a while!
• Sell Vehicles: Let's be honest, there are a lot of stinkers in your collection. Why not sell them? Just beware of the game's daily sell limit. The limit will be hit somewhere around 30-40 cars sold in 24 real-life hours. I'd suggest only selling 1-5 cars per real life day, which ensures that you'll never face the anger of Rockstar, and you'll have more time to make deliberate choices about which vehicles to get rid of. You'll also be getting roughly 50% of your previously spent money back for each sold vehicle! I'd recommend forcing yourself to drive a vehicle for a while before selling it, and looking at its customizations to see if you'd like it if you changed its style a bit, so that you're absolutely sure that you don't want it.
• Organize Your Vehicles: A lot of people have a complete mess in their garages. Why not begin sorting your cars, such as placing all your best cars at the premium display spots in your office garage? Perhaps organizing the floors by vehicle type? You can have lots of fun and you'll get a much better overview of your available vehicles.
• Relocate Yourself: If you've been staring at the same, old, boring spot for years, it could be fun to move! Most players choose the ugly, industrial, "optimal" locations. Why not relax and move to the beautiful beach instead? The Lombank office, the Insert Coin arcade, the Vespucci Beach MC clubhouse, the Del Perro Nightclub, the Strawberry auto shop, and the Vespucci Canals agency are all very beautiful locations with amazing interior and exterior design and great views! They're also very well placed for all of their business purposes!
• Browse in Person: When you're looking at real estate on the internet, things look very boring and impersonal. Why not take a drive around the city and look at the "real estate for sale" map markers in person? Perhaps you'll find a great new location for your home! However, if it's a multi-apartment house, I recommend checking YouTube for the various room views, to find the room with the best view before you buy it.
• Upgrade Your Properties/Businesses: If you haven't yet upgraded all of the equipment for a business, it's a great idea to upgrade it to improve its efficiency and safety. Or how about changing the interior design for fun, to replace the "same old daily view" with a fresh new look?
• Buy Every Arcade Machine: There are so many fun minigame machines for your arcade. Why not buy them all and pimp that place out? It's a nice place to relax, and even get some rewards for completing the games.
• Get All Passive Businesses: Why not work towards getting and fully upgrading all of the passive incomes in the game? Such as the Nightclub (which automatically generates money in the safe based on popularity, and generates MC business products to sell from its basement), the Acid Lab (which can be restocked with a simple phone call to Mutt, and has easy sales missions), the Arcade (which generates $5000 per in-game day when you've filled all of its interior slots with arcade machines, which can all be the same machine if you want), the Agency (which generates up to $20000 per in-game day based on how many Security Contracts you've completed), Street Dealers (finding the daily street dealer is much faster than regular sales missions, and they pay more than regular missions), Bunker (you can resupply it via one click with the Master Control Terminal in your Arcade, and then simply sell the product when it's still less than 25% full, thus guaranteeing a single sales vehicle every time). An added bonus of having passive businesses is the fact that they let you do other things in the game, such as doing racing and other fun challenges, while your businesses passively produce for you!
• Start Fresh: Did you know that your online account has two character slots? You can actually start fresh by simply withdrawing all of you banked money to your primary character, so that there's $0 in the bank. Then create a new character, which will begin at $0. Then relax and enjoy the ride of building a new empire. I suggest doing things differently this time. For example, if your primary character owns every business, why not just focus on a specific business this time, such as the CEO businesses (cargo crates), or just the vehicle warehouse, etc? Take this opportunity to simplify and avoid grinding, while still building a new playstyle to keep things fresh! Why not skip the Kosatka, so that you don't have the "easy Cayo Perico money" either? This slower, more deliberate, old-school way of making money will ensure that you have lots of fun, and you can set your own goals for what vehicles you want to save up money for on your new character! If you get tired of the grind, just switch back to your primary character again and enjoy the wealth. You can even delete your secondary character again to start fresh as many times as you want to.
• Spend Your Money: Having $100 million unused in the bank is just a completely pointless number, and is basically worth the same as having $0 in the bank if you aren't even using it. Unless your goal is to collect a specific amount of money for fun, I'd instead suggest that you actually start spending absolutely all of your money! Because if you can succeed in being perpetually slightly low on cash, you'll have much more reason to care about doing your businesses when you do want to buy something, which in turn drives your motivation to play again! Having a huge stash of money is bad for your motivation to play! Having a huge sash of money is like having an endless "Rich Daddy's Credit Card" in your wallet. Get rid of that credit card, buy a bunch of fun stuff, and enjoy the game more as a result!
• Play the Story: The vast majority of GTA Online players have barely touched the offline story. Why not relax with the story from time to time, gradually making your way through the epic offline story that started it all?
• Take a Break: If you're truly not finding any fun anymore, then take a break, perhaps a few weeks or a month is all you need to enjoy the game again! They also release content updates roughly twice per year, so you'll always have something new to return to in the future! :)