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These apps can help users reach their financial goals. People should have a plan and work consistently if they want to succeed at earning money through apps. These programs have the potential to be a great source of extra income and budgetary flexibility when used properly. Gaining incentives by participating in focus groups and surveys. Through focus groups, product testing, and survey completion, users can earn cash, gift cards, & other rewards with apps like Swagbucks, Survey Junkie, and InboxDollars.