February 13, 2025 • 23 mins
Ready to optimize your income and reach your financial goals faster? In this episode, we explore practical strategies to increase your income without sacrificing family time or burning out. Whether you're a stay-at-home mom, working parent, or career-driven professional, you'll discover actionable tips to grow your income:
✅ Negotiate a raise or promotion effectively.
✅ Start a side hustle that fits your lifestyle.
✅ Leverage employer benefits and professional development opportunities.
✅ Explore 10 profitable side hustles for 2025.
Don’t let financial goals feel out of reach—take control of your income today! 🌟
🎯 Want a budget tailored to your values? Check out the Better Budget Bootcamp at AccelerateYourLegacy.com/resources.
Learn more about working with Laura Sexton
· Become a master with your money. Learn more here!
· Checkout the resource library here!
Want to ask a question Laura can answer on the podcast? Connect with her here!
Want to receive a live money or career audit? Apply Here
Send an email to Laura@AccelerateYourLegacy.com or send a DM on Instagram @accelerateyourlegacy
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Laura (00:03):
hello and welcome to money and career mastery from
overwhelmed to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
(00:23):
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
future generations.
You're in the right place.
Hey Accelerators! Today we'regoing to talk about optimizing
your income because let's behonest, who doesn't want to
(00:45):
optimize their income?
Everybody here would be happywith more money coming in.
If you are trying to hit anykind of financial goal at all
inside of your family and youare a stay at home mom, I've got
ideas for you to optimize yourincome while you're home.
If you are a working parent, Ihave ways for you to optimize
(01:05):
your income without having tolose time with your children.
So please listen to me when Itell you I've got ways for you
to optimize your income, be itin the job that you're currently
in or having to add something onthe side or Finding something
that really lights you up andgoing to do that too.
So optimizing your income, it isa key strategy toward, financial
(01:29):
mastery.
I have had people that I'veworked with that have.
Implemented each of thesestrategies that I'm going to
give you today.
All of them have been able toincrease their income in some
way, shape, or form in order tohit their financial goals.
You know how important I thinkit is to have a goal, go after
that goal and do it in a waythat is sustainable.
(01:52):
I don't want you to be puttingyourself in a position where you
are running yourself ragged.
and not getting anywhere.
I don't want you spinning yourwheels.
I want you focused, movingforward and increasing your
income.
You can do all of these thingsat once.
So let's talk about exploringyour opportunities for growth.
(02:15):
Let's say that you are currentlyin a role.
that you love.
This is your dream job andyou're sitting here going,
Laura, I don't want to doanything to jeopardize this.
Well, guess what?
That's wonderful.
I'm so excited that you were inyour dream role and that you're
loving what you're doing rightnow.
But now may be the time to goahead and ask for a raise.
If you own your own business,January is a great time to
(02:38):
increase your rates.
If you are a coach, January is agreat time to increase your
rates.
If you're me, I increase myrates in the middle of summer
because I have a new Year startsin August.
But if you don't own your ownbusiness, and you want to go
into your employer, and you wantto ask about a raise, there are
ways to do this responsibly,without going in and going, hey,
(03:03):
give me more money.
Because nobody likes that.
You need to put yourself in theother person's shoes first and
foremost.
You want to walk in and thinkabout it as if somebody is
walking into your office andasking you for more money.
What would you like to see fromthem before you agree or
disagree?
(03:23):
In some instances, you've beenworking at a job and especially
women.
Women are so bad about askingfor a raise.
Men will ask for a raise two tothree times a year, whereas
women ask once every 18 months.
So let's talk about how toprepare and make your case.
If you're going to be walkingin, walk in humbly.
(03:44):
And an attitude of curiosity,ask them about what it would
look like for you to continue tohelp continue to grow within the
company, expand your incomeproducing potential make more
money yourself.
Sometimes what we need to do iswe need to do some market
research.
If you have been working in ajob and you haven't asked for a
(04:06):
raise in quite some time, thebest thing for you to do is to
look online and see what yourrole is currently.
If there are people in yourindustry and they are making 10,
000 more per month, it's an okaything to bring in that
statistic.
If there are people in your roleand they're making 5, 000 less,
(04:28):
you still have to be preparedwith that statistic, but that
doesn't mean that you can't goin and say, Hey, I've been with
the company for this many years,and I want to know what it would
take.
For me to continue to grow inthis position so that I can earn
more money, we're not going inand demanding more money.
(04:50):
We're not even going in andnecessarily asking for a
specific dollar amount.
But what we're asking for is achance to increase our value
within the company and then havethat reciprocated.
That said, if you're within yourcurrent role and you are loving
it, you can also ask to expandyour responsibilities or take on
a new project that will increaseyour value to the company.
(05:14):
This not only stretches you andmakes the work more fun, but it
gives you a chance to prove whatit is you can give to this
company and it gives you achance to prove that you were
worth the increase in pay thatyou were asking for.
These are great ways for you tostay in your current role and
(05:36):
increase value.
Now what you don't want, ifyou're in your sweet spot and
this is your current role andyou were loving this, you don't
need a promotion.
Sometimes service providers getthis wrong or salespeople get
this wrong where they are reallygood at sales or they are really
good at fixing cars and they getmoved up to a management
position and they are terribleat managing people.
(05:59):
That's not what you want.
Make sure that you are withinyour sweet spot, still enjoying
what you can do for thiscompany.
Do not allow yourself to bemoved out of your sweet spot
because of the promise of moremoney.
More money does not mean morefulfillment.
Now, let's say that you wereworking on a really big
(06:19):
financial goal.
Maybe you're working on payingoff debt, which you know is one
of my favorite things.
Maybe you're focused in onsaving for a house or a car and
you're thinking the best thing Icould do right now is a side
hustle.
Maybe you're a stay at home momand you don't want to push
beyond, you don't want to haveto start your own business.
You don't want to have to addanything extra to your plate,
(06:43):
but you're still trying reallyhard to reach this goal.
A side hustle is a great way todo that.
So I'm going to give you 10popular and profitable side
hustles that you can do in 2025.
And you can do them while stillbeing at home with your child or
maybe taking them with you.
The first of which is freelancewriting or editing.
If you have writing and editingschools for businesses, for
(07:05):
websites, for individuals, forwriters, you're gravely needed.
People need your help becauseguess what?
Even with AI, it's not easy towrite things and it's not easy
to edit things.
The computers get it wrongsometimes or they make it sound
like a computer wrote it.
We need people writing words topeople and sometimes we are
(07:29):
flying through things and wemake silly mistakes that an
editor could fix.
Freelance writing and editingcan also be done during your
child's nap time.
It can be done After they go tobed, it can be done at all hours
of the day or night.
Similarly would be number two,graphic design services,
(07:50):
creating logos, marketingmaterials, or social media
graphics for clients.
I'm terrible at this.
I outsource these things.
I hire a graphic designer.
Specifically, I hired someone tocreate graphics for my new
podcast.
Hello.
Thank you.
If you were listening to moneyand career mastery, you see this
brand new logo and it was doneby someone else.
(08:13):
Thank you.
Kelly Gibbs creative.
She was able to make this for mebecause she has the eye for
making things beautiful.
And I can decide what I like andwhat I don't like, but I don't
know how to make things cometogether at all.
Option number three for anexcellent and profitable side
hustle would be online tutoring.
(08:35):
Teaching subjects to that youare proficient in.
Oh my goodness.
It's so needed if somebody wereto come to me and say, Hey I'm a
reading tutor.
I can help your child get betterreading.
Yes, please.
And thank you.
There are ways that you cantutor people in other countries
to learn to speak English whereyou don't have to worry about
(08:56):
doing any of the translating.
You only do the English side.
That pays a lot of money.
So definitely look into onlinetutoring.
If you are great at guitar orpiano or anything like that,
having a side business where youwere teaching somebody something
important.
You want to be doing this.
Number three.
(09:17):
Nope.
I have two number threes.
Number four, pet sitting or dogwalking, providing pet care
services in your local area.
You can either do it atsomebody's house or at your
house.
My mother has started doing thisrecently where she put up a sign
and said, Hey, if you needsomebody to watch your dog
overnight I'm the person.
We love dogs.
Bring them over.
She does this for cats.
(09:38):
This is just a really easy sidehustle that she started that she
can keep herself busy and sheloves dogs.
So pet sitting, dog walking,house sitting, baby sitting, all
the sitting.
Guys, these are things thatpeople need and having somebody
reliable and dependable.
Please.
(09:58):
It's worth the money and peoplewill pay for it.
Number five, become a virtualassistant.
You get to assist businesses orentrepreneurs with
administrative tasks and you cando it remotely.
A virtual assistant is 100percent remote and 100 percent
necessary.
Businesses that have a virtualassistant are so blessed.
(10:22):
And these are things you can dofrom home, making calls,
responding to emails, setting upfunnels.
These are all things that youhave the ability to do from
home.
Side hustle number six, handymanservices.
Maybe you are one of thesepeople that can offer to repair
or to maintenance services forhomes or businesses.
Let me tell you, there arepeople that live near me that
(10:46):
pay my friend to come put inlight bulbs.
I could do that.
I could put it in the light bulbfor you.
I'll climb up.
Well, not while I'm pregnant,but I'll climb up a ladder and
do your light bulbs for you.
There are just some people thataren't handy.
And if you can be that handyperson and you can help with
little things around the house,people pay really good money for
(11:07):
that.
Ikea even has people that theypay to put furniture together
and then it gets delivered toyour house fully finished.
You don't have to do the thingsthat you don't want to do.
You can hire somebody for that.
Or you can be that person.
You can be that handyman.
You can be the one doing that.
And let me tell you, friends, ifyou are a handyman or
(11:31):
handywoman, and you can teachother people to do that,
teaching other people how to behandy around the house is
definitely a good job that youshould look into.
That wasn't a side hustle I hadwritten down, but it's
definitely one that you coulddo.
Side hustle number seven is rideshare driving.
You guys know about Uber andLyft.
You know you can do it duringyour spare time.
(11:53):
And if you live near an airport,there is a premium rate for
driving people to and from theairport.
It may not be the most glamorousjob, and you may not want to do
it.
Because for me, having somebodyI don't know get in my car makes
me uncomfortable.
But I know plenty of people thatdo Uber and Lyft and make good
money.
So that is an option.
Another option that does involveyour car, but doesn't involve as
(12:16):
many people, especially notpeople in your space, is
delivery services.
Now this could be things from.
Amazon Flex, where you'redelivering packages.
It could be DoorDash.
But there's Instacart.
That's the one.
Instacart.
You could go to go shopping forpeople.
I have clients that haveshopping desires.
(12:38):
They just really want to beshopping all the time.
And so what we have put in placefor them is they're not doing
their own shopping.
They're doing somebody else'sshopping.
They're still getting thedopamine hit of swiping the card
and making the purchase, butit's not their purchase.
And in fact, what this is doingis it's continuing to decrease
(13:00):
their dependence on the swipe,decrease the dopamine hit that
they get when they make theirown purchases.
So if you have a desire toimpulse shop, And you were
trying to get out of debt andyou're trying to stop using your
credit cards.
Getting in with Instacart anddoing some shopping for other
(13:21):
people is a really great way togive yourself immersion therapy.
Number nine, rent out a room inyour house.
If you have a spare room or anincome producing connected to
your home, you can use Airbnb orVRBO and have short term rentals
(13:42):
coming in, especially if youlive in a college town.
Having an ADU, an additionaldwelling unit, having something
like that could be incrediblyvaluable to bring in money.
However, you do have people inyour space.
And so that may not be foreverybody, but I have friends
that have their own Airbnb andthey can make a decent amount of
(14:04):
money by having people come in.
And theirs is.
in their backyard, but it's not,they don't have to interact with
that person all the time.
So it's not like they aresharing a room and a bathroom.
It's not like that.
I have clients that rent out aroom in their apartment or in
their house, and they love itbecause they found somebody that
(14:25):
they enjoy spending time with.
And so there are pluses andthere are minuses and you choose
for yourself.
The last one would be sellinghandmade crafts, creating and
selling crafts on platforms likeEtsy.
Michaels now has a new platformfor handmade crafts only, and
sometimes just doing somethingwith your hands, taking up that
(14:47):
time, can really help your braindevelop.
It can help you keep your mindoff of the things you may not be
having.
Now listen, If you are going todo any of these side hustles,
you need to make sure that youare balancing any extra work
with your family, your selfcare, and if you are working
outside the home, your actualjob.
(15:10):
Now doing something like adelivery service, you can bring
your kids along, they can be inthe back seat and you can
deliver things.
That's great.
Bring your kids along, whateverit is you decide to do.
Pet sitting, dog sitting, bringyour kids along.
Maybe not ride sharing.
That would be difficult, but youknow, if, if you're going to do
anything, balance out the familyand the self care, but know that
hitting a goal quickly is thebest way to get it done.
(15:35):
Do not use your family as anexcuse to not hit your goals
because eventually you will growto resent them instead of
feeling a little bit guilty fora short period of time for
missing out.
So as we're exploringopportunities for growth,
there's one key area that we allshould focus on, and that is
(15:57):
skill building.
They're free and low cost waysto learn in demand skills.
I know our community centershave plenty of classes in adult
education to teach you thingslike Excel, coding QuickBooks,
you can learn to do otherpeople's books, which would be
invaluable if you decide to be avirtual assistant.
(16:19):
You can learn these things atlow cost.
There are ways to learn them ata very high cost.
I don't recommend those becauseyour ROI is not going to be
there, but there are plenty ofresources, online courses,
webinars, mentorships.
If you feel like being ahandyman, but you don't feel
like you're handy enough, startworking with somebody else that
is a handyman and learn fromthem so that they can help you
(16:43):
grow in your skillset.
I think everyone should have amentor and a mentee.
You are a few steps ahead ofsomebody else, and there's
somebody that's a few stepsahead of you.
Leverage your relationships.
Build your skills out.
Learn from people.
Be in association with otherpeople.
(17:03):
Spend time with people.
I think this is one thing thatwe are really lacking in today's
society.
Spend time with people.
Real people.
Face to face in front of them.
My friends, I want you to thinkbeyond the paycheck as well.
While we are optimizing ourincome, think beyond the
paycheck.
This could mean leveragingemployer benefits that some, one
(17:24):
of my clients has tuitionreimbursement as she's going and
getting her doctoral degree, herboss is paying her per class.
If she passes the class, theyreimburse her tuition.
Now you will need to havetuition for the first semester
upfront.
So you will want to save up thatmoney so that you can pay that
(17:47):
not take out a student loan, butpay that first tuition, that
first semester tuition.
And then they will reimbursethat payment and you can use
that reimbursement to pay thenext month.
But then when you finish thatfinal semester, the tuition
reimbursement that you get fromyour employer just goes back in
your pocket because you frontedthe initial semester's tuition.
(18:08):
Many employers have professionaldevelopment budgets.
They want to grow.
They're employees.
They want you to stick withthem.
They don't want you to run offand be looking to leave for an
extra, you know, an extra pennyor quarter here.
We are currently in a placewhere 55 percent of employees
say that they would leave theircurrent position if the new
(18:33):
employer offered a higher 401kmatch.
They really love a forcedsavings benefit.
But employees have also come torely on their employers for
other things like support,building emergency savings and
navigating financial decisions.
And if that's you, if you'veasked your employer to help you
make a budget, or you've askedyour employer for more money,
(18:55):
because you were part of the 89percent that experienced anxiety
due to day to day finances, askyour boss, if they want to do a
financial wellness program, askyour boss what go to HR and find
out what kind of benefits theyare giving you.
And if they don't have afinancial wellness benefit,
reach out to me and I will helpyou get that set up inside of
(19:15):
your company.
The benefits that they have foryou at the company are because
they want you to stay.
They want you to be a part ofthe company long term.
So utilize those benefits.
Don't let them sit by thewayside.
Go to HR and ask what they are.
Ask for some information abouttuition reimbursement or I have
(19:36):
one former client that works ata company and they have the most
outrageous benefits and she justhad to ask and they were able to
give her extra in many differentareas, including mental health
support, which ended up beingincredibly impactful for her.
What I don't want you to do isget swayed by the idea of a
(19:58):
passive income opportunity.
There are a lot of people thatare like, Oh, just arbitrage,
arbitrage, arbitrage, meh.
No.
Do not put yourself in aposition of risk in order to
have a passive income.
You don't need to go out and buya brand new car and put it up on
Turo.
(20:19):
The risk there outweighs thereward.
Be sure that your passive incomeright now, while you were
working on these big financialgoals, paying off debt and
saving for emergency savings, orwhatever your goal is right now,
the only passive income that youneed to be focused on is what is
currently growing in your 401k,and we're not even adding
(20:41):
anything to that right now.
Passive income tends to be amyth.
People that are like, oh, wehave renters.
It's passive income.
Do you have any idea how hard itis to deal with renters?
Have you ever dealt withhumanity?
Like, people do not alwaysbehave in the best ways.
So let's try to use our smartsinstead of trying to follow a
(21:06):
TikTok trend.
All right, my friends, that isgoing to be it for this podcast,
or we talked about optimizingyour income.
I encourage you to reflect onyour current situation and write
down a couple different waysthat you can increase your
income potential.
(21:27):
Then I want you to reach out tome and let me know what that,
what one step you're willing totake towards optimizing your
income this week.
Is there a side hustle thatyou're wanting to start?
Are you wanting to have aconversation with your boss
about increasing your salary?
What is it that you, are youplanning on going to HR and
(21:49):
figuring out if there is anemployer benefit that you have
not been utilizing?
All of these are great ideas andI would love to help you along
the way.
If you've never made a budgetand so you don't even know what
kind of income you need to makeall of your financial dreams
come true, Then you need theBetter Budget Bootcamp.
(22:11):
In 15 minutes a day for fivedays, I will help you create a
budget that is perfect for youand your family because it is
based on your values and whatmatters most to you.
So I highly recommend going overto my website,
AccelerateYourLegacy.
com slash resources and checkingout the Better Budget Bootcamp.
That's it for this week,Accelerators.
(22:33):
Go out and make a difference.
thank you for spending time withus today on Money and Career
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
Don't just listen, implementwhat you've learned and share it
(22:53):
with someone who could use afinancial or career
breakthrough.
If you found value in today'sepisode, help us grow by rating,
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
hello and welcome to money and career mastery from
overwhelmed to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
(00:23):
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
future generations.
You're in the right place.
Hey Accelerators! Today we'regoing to talk about optimizing
your income because let's behonest, who doesn't want to
(00:45):
optimize their income?
Everybody here would be happywith more money coming in.
If you are trying to hit anykind of financial goal at all
inside of your family and youare a stay at home mom, I've got
ideas for you to optimize yourincome while you're home.
If you are a working parent, Ihave ways for you to optimize
(01:05):
your income without having tolose time with your children.
So please listen to me when Itell you I've got ways for you
to optimize your income, be itin the job that you're currently
in or having to add something onthe side or Finding something
that really lights you up andgoing to do that too.
So optimizing your income, it isa key strategy toward, financial
(01:29):
mastery.
I have had people that I'veworked with that have.
Implemented each of thesestrategies that I'm going to
give you today.
All of them have been able toincrease their income in some
way, shape, or form in order tohit their financial goals.
You know how important I thinkit is to have a goal, go after
that goal and do it in a waythat is sustainable.
(01:52):
I don't want you to be puttingyourself in a position where you
are running yourself ragged.
and not getting anywhere.
I don't want you spinning yourwheels.
I want you focused, movingforward and increasing your
income.
You can do all of these thingsat once.
So let's talk about exploringyour opportunities for growth.
(02:15):
Let's say that you are currentlyin a role.
that you love.
This is your dream job andyou're sitting here going,
Laura, I don't want to doanything to jeopardize this.
Well, guess what?
That's wonderful.
I'm so excited that you were inyour dream role and that you're
loving what you're doing rightnow.
But now may be the time to goahead and ask for a raise.
If you own your own business,January is a great time to
(02:38):
increase your rates.
If you are a coach, January is agreat time to increase your
rates.
If you're me, I increase myrates in the middle of summer
because I have a new Year startsin August.
But if you don't own your ownbusiness, and you want to go
into your employer, and you wantto ask about a raise, there are
ways to do this responsibly,without going in and going, hey,
(03:03):
give me more money.
Because nobody likes that.
You need to put yourself in theother person's shoes first and
foremost.
You want to walk in and thinkabout it as if somebody is
walking into your office andasking you for more money.
What would you like to see fromthem before you agree or
disagree?
(03:23):
In some instances, you've beenworking at a job and especially
women.
Women are so bad about askingfor a raise.
Men will ask for a raise two tothree times a year, whereas
women ask once every 18 months.
So let's talk about how toprepare and make your case.
If you're going to be walkingin, walk in humbly.
(03:44):
And an attitude of curiosity,ask them about what it would
look like for you to continue tohelp continue to grow within the
company, expand your incomeproducing potential make more
money yourself.
Sometimes what we need to do iswe need to do some market
research.
If you have been working in ajob and you haven't asked for a
(04:06):
raise in quite some time, thebest thing for you to do is to
look online and see what yourrole is currently.
If there are people in yourindustry and they are making 10,
000 more per month, it's an okaything to bring in that
statistic.
If there are people in your roleand they're making 5, 000 less,
(04:28):
you still have to be preparedwith that statistic, but that
doesn't mean that you can't goin and say, Hey, I've been with
the company for this many years,and I want to know what it would
take.
For me to continue to grow inthis position so that I can earn
more money, we're not going inand demanding more money.
(04:50):
We're not even going in andnecessarily asking for a
specific dollar amount.
But what we're asking for is achance to increase our value
within the company and then havethat reciprocated.
That said, if you're within yourcurrent role and you are loving
it, you can also ask to expandyour responsibilities or take on
a new project that will increaseyour value to the company.
(05:14):
This not only stretches you andmakes the work more fun, but it
gives you a chance to prove whatit is you can give to this
company and it gives you achance to prove that you were
worth the increase in pay thatyou were asking for.
These are great ways for you tostay in your current role and
(05:36):
increase value.
Now what you don't want, ifyou're in your sweet spot and
this is your current role andyou were loving this, you don't
need a promotion.
Sometimes service providers getthis wrong or salespeople get
this wrong where they are reallygood at sales or they are really
good at fixing cars and they getmoved up to a management
position and they are terribleat managing people.
(05:59):
That's not what you want.
Make sure that you are withinyour sweet spot, still enjoying
what you can do for thiscompany.
Do not allow yourself to bemoved out of your sweet spot
because of the promise of moremoney.
More money does not mean morefulfillment.
Now, let's say that you wereworking on a really big
(06:19):
financial goal.
Maybe you're working on payingoff debt, which you know is one
of my favorite things.
Maybe you're focused in onsaving for a house or a car and
you're thinking the best thing Icould do right now is a side
hustle.
Maybe you're a stay at home momand you don't want to push
beyond, you don't want to haveto start your own business.
You don't want to have to addanything extra to your plate,
(06:43):
but you're still trying reallyhard to reach this goal.
A side hustle is a great way todo that.
So I'm going to give you 10popular and profitable side
hustles that you can do in 2025.
And you can do them while stillbeing at home with your child or
maybe taking them with you.
The first of which is freelancewriting or editing.
If you have writing and editingschools for businesses, for
(07:05):
websites, for individuals, forwriters, you're gravely needed.
People need your help becauseguess what?
Even with AI, it's not easy towrite things and it's not easy
to edit things.
The computers get it wrongsometimes or they make it sound
like a computer wrote it.
We need people writing words topeople and sometimes we are
(07:29):
flying through things and wemake silly mistakes that an
editor could fix.
Freelance writing and editingcan also be done during your
child's nap time.
It can be done After they go tobed, it can be done at all hours
of the day or night.
Similarly would be number two,graphic design services,
(07:50):
creating logos, marketingmaterials, or social media
graphics for clients.
I'm terrible at this.
I outsource these things.
I hire a graphic designer.
Specifically, I hired someone tocreate graphics for my new
podcast.
Hello.
Thank you.
If you were listening to moneyand career mastery, you see this
brand new logo and it was doneby someone else.
(08:13):
Thank you.
Kelly Gibbs creative.
She was able to make this for mebecause she has the eye for
making things beautiful.
And I can decide what I like andwhat I don't like, but I don't
know how to make things cometogether at all.
Option number three for anexcellent and profitable side
hustle would be online tutoring.
(08:35):
Teaching subjects to that youare proficient in.
Oh my goodness.
It's so needed if somebody wereto come to me and say, Hey I'm a
reading tutor.
I can help your child get betterreading.
Yes, please.
And thank you.
There are ways that you cantutor people in other countries
to learn to speak English whereyou don't have to worry about
(08:56):
doing any of the translating.
You only do the English side.
That pays a lot of money.
So definitely look into onlinetutoring.
If you are great at guitar orpiano or anything like that,
having a side business where youwere teaching somebody something
important.
You want to be doing this.
Number three.
(09:17):
Nope.
I have two number threes.
Number four, pet sitting or dogwalking, providing pet care
services in your local area.
You can either do it atsomebody's house or at your
house.
My mother has started doing thisrecently where she put up a sign
and said, Hey, if you needsomebody to watch your dog
overnight I'm the person.
We love dogs.
Bring them over.
She does this for cats.
(09:38):
This is just a really easy sidehustle that she started that she
can keep herself busy and sheloves dogs.
So pet sitting, dog walking,house sitting, baby sitting, all
the sitting.
Guys, these are things thatpeople need and having somebody
reliable and dependable.
Please.
(09:58):
It's worth the money and peoplewill pay for it.
Number five, become a virtualassistant.
You get to assist businesses orentrepreneurs with
administrative tasks and you cando it remotely.
A virtual assistant is 100percent remote and 100 percent
necessary.
Businesses that have a virtualassistant are so blessed.
(10:22):
And these are things you can dofrom home, making calls,
responding to emails, setting upfunnels.
These are all things that youhave the ability to do from
home.
Side hustle number six, handymanservices.
Maybe you are one of thesepeople that can offer to repair
or to maintenance services forhomes or businesses.
Let me tell you, there arepeople that live near me that
(10:46):
pay my friend to come put inlight bulbs.
I could do that.
I could put it in the light bulbfor you.
I'll climb up.
Well, not while I'm pregnant,but I'll climb up a ladder and
do your light bulbs for you.
There are just some people thataren't handy.
And if you can be that handyperson and you can help with
little things around the house,people pay really good money for
(11:07):
that.
Ikea even has people that theypay to put furniture together
and then it gets delivered toyour house fully finished.
You don't have to do the thingsthat you don't want to do.
You can hire somebody for that.
Or you can be that person.
You can be that handyman.
You can be the one doing that.
And let me tell you, friends, ifyou are a handyman or
(11:31):
handywoman, and you can teachother people to do that,
teaching other people how to behandy around the house is
definitely a good job that youshould look into.
That wasn't a side hustle I hadwritten down, but it's
definitely one that you coulddo.
Side hustle number seven is rideshare driving.
You guys know about Uber andLyft.
You know you can do it duringyour spare time.
(11:53):
And if you live near an airport,there is a premium rate for
driving people to and from theairport.
It may not be the most glamorousjob, and you may not want to do
it.
Because for me, having somebodyI don't know get in my car makes
me uncomfortable.
But I know plenty of people thatdo Uber and Lyft and make good
money.
So that is an option.
Another option that does involveyour car, but doesn't involve as
(12:16):
many people, especially notpeople in your space, is
delivery services.
Now this could be things from.
Amazon Flex, where you'redelivering packages.
It could be DoorDash.
But there's Instacart.
That's the one.
Instacart.
You could go to go shopping forpeople.
I have clients that haveshopping desires.
(12:38):
They just really want to beshopping all the time.
And so what we have put in placefor them is they're not doing
their own shopping.
They're doing somebody else'sshopping.
They're still getting thedopamine hit of swiping the card
and making the purchase, butit's not their purchase.
And in fact, what this is doingis it's continuing to decrease
(13:00):
their dependence on the swipe,decrease the dopamine hit that
they get when they make theirown purchases.
So if you have a desire toimpulse shop, And you were
trying to get out of debt andyou're trying to stop using your
credit cards.
Getting in with Instacart anddoing some shopping for other
(13:21):
people is a really great way togive yourself immersion therapy.
Number nine, rent out a room inyour house.
If you have a spare room or anincome producing connected to
your home, you can use Airbnb orVRBO and have short term rentals
(13:42):
coming in, especially if youlive in a college town.
Having an ADU, an additionaldwelling unit, having something
like that could be incrediblyvaluable to bring in money.
However, you do have people inyour space.
And so that may not be foreverybody, but I have friends
that have their own Airbnb andthey can make a decent amount of
(14:04):
money by having people come in.
And theirs is.
in their backyard, but it's not,they don't have to interact with
that person all the time.
So it's not like they aresharing a room and a bathroom.
It's not like that.
I have clients that rent out aroom in their apartment or in
their house, and they love itbecause they found somebody that
(14:25):
they enjoy spending time with.
And so there are pluses andthere are minuses and you choose
for yourself.
The last one would be sellinghandmade crafts, creating and
selling crafts on platforms likeEtsy.
Michaels now has a new platformfor handmade crafts only, and
sometimes just doing somethingwith your hands, taking up that
(14:47):
time, can really help your braindevelop.
It can help you keep your mindoff of the things you may not be
having.
Now listen, If you are going todo any of these side hustles,
you need to make sure that youare balancing any extra work
with your family, your selfcare, and if you are working
outside the home, your actualjob.
(15:10):
Now doing something like adelivery service, you can bring
your kids along, they can be inthe back seat and you can
deliver things.
That's great.
Bring your kids along, whateverit is you decide to do.
Pet sitting, dog sitting, bringyour kids along.
Maybe not ride sharing.
That would be difficult, but youknow, if, if you're going to do
anything, balance out the familyand the self care, but know that
hitting a goal quickly is thebest way to get it done.
(15:35):
Do not use your family as anexcuse to not hit your goals
because eventually you will growto resent them instead of
feeling a little bit guilty fora short period of time for
missing out.
So as we're exploringopportunities for growth,
there's one key area that we allshould focus on, and that is
(15:57):
skill building.
They're free and low cost waysto learn in demand skills.
I know our community centershave plenty of classes in adult
education to teach you thingslike Excel, coding QuickBooks,
you can learn to do otherpeople's books, which would be
invaluable if you decide to be avirtual assistant.
(16:19):
You can learn these things atlow cost.
There are ways to learn them ata very high cost.
I don't recommend those becauseyour ROI is not going to be
there, but there are plenty ofresources, online courses,
webinars, mentorships.
If you feel like being ahandyman, but you don't feel
like you're handy enough, startworking with somebody else that
is a handyman and learn fromthem so that they can help you
(16:43):
grow in your skillset.
I think everyone should have amentor and a mentee.
You are a few steps ahead ofsomebody else, and there's
somebody that's a few stepsahead of you.
Leverage your relationships.
Build your skills out.
Learn from people.
Be in association with otherpeople.
(17:03):
Spend time with people.
I think this is one thing thatwe are really lacking in today's
society.
Spend time with people.
Real people.
Face to face in front of them.
My friends, I want you to thinkbeyond the paycheck as well.
While we are optimizing ourincome, think beyond the
paycheck.
This could mean leveragingemployer benefits that some, one
(17:24):
of my clients has tuitionreimbursement as she's going and
getting her doctoral degree, herboss is paying her per class.
If she passes the class, theyreimburse her tuition.
Now you will need to havetuition for the first semester
upfront.
So you will want to save up thatmoney so that you can pay that
(17:47):
not take out a student loan, butpay that first tuition, that
first semester tuition.
And then they will reimbursethat payment and you can use
that reimbursement to pay thenext month.
But then when you finish thatfinal semester, the tuition
reimbursement that you get fromyour employer just goes back in
your pocket because you frontedthe initial semester's tuition.
(18:08):
Many employers have professionaldevelopment budgets.
They want to grow.
They're employees.
They want you to stick withthem.
They don't want you to run offand be looking to leave for an
extra, you know, an extra pennyor quarter here.
We are currently in a placewhere 55 percent of employees
say that they would leave theircurrent position if the new
(18:33):
employer offered a higher 401kmatch.
They really love a forcedsavings benefit.
But employees have also come torely on their employers for
other things like support,building emergency savings and
navigating financial decisions.
And if that's you, if you'veasked your employer to help you
make a budget, or you've askedyour employer for more money,
(18:55):
because you were part of the 89percent that experienced anxiety
due to day to day finances, askyour boss, if they want to do a
financial wellness program, askyour boss what go to HR and find
out what kind of benefits theyare giving you.
And if they don't have afinancial wellness benefit,
reach out to me and I will helpyou get that set up inside of
(19:15):
your company.
The benefits that they have foryou at the company are because
they want you to stay.
They want you to be a part ofthe company long term.
So utilize those benefits.
Don't let them sit by thewayside.
Go to HR and ask what they are.
Ask for some information abouttuition reimbursement or I have
(19:36):
one former client that works ata company and they have the most
outrageous benefits and she justhad to ask and they were able to
give her extra in many differentareas, including mental health
support, which ended up beingincredibly impactful for her.
What I don't want you to do isget swayed by the idea of a
(19:58):
passive income opportunity.
There are a lot of people thatare like, Oh, just arbitrage,
arbitrage, arbitrage, meh.
No.
Do not put yourself in aposition of risk in order to
have a passive income.
You don't need to go out and buya brand new car and put it up on
Turo.
(20:19):
The risk there outweighs thereward.
Be sure that your passive incomeright now, while you were
working on these big financialgoals, paying off debt and
saving for emergency savings, orwhatever your goal is right now,
the only passive income that youneed to be focused on is what is
currently growing in your 401k,and we're not even adding
(20:41):
anything to that right now.
Passive income tends to be amyth.
People that are like, oh, wehave renters.
It's passive income.
Do you have any idea how hard itis to deal with renters?
Have you ever dealt withhumanity?
Like, people do not alwaysbehave in the best ways.
So let's try to use our smartsinstead of trying to follow a
(21:06):
TikTok trend.
All right, my friends, that isgoing to be it for this podcast,
or we talked about optimizingyour income.
I encourage you to reflect onyour current situation and write
down a couple different waysthat you can increase your
income potential.
(21:27):
Then I want you to reach out tome and let me know what that,
what one step you're willing totake towards optimizing your
income this week.
Is there a side hustle thatyou're wanting to start?
Are you wanting to have aconversation with your boss
about increasing your salary?
What is it that you, are youplanning on going to HR and
(21:49):
figuring out if there is anemployer benefit that you have
not been utilizing?
All of these are great ideas andI would love to help you along
the way.
If you've never made a budgetand so you don't even know what
kind of income you need to makeall of your financial dreams
come true, Then you need theBetter Budget Bootcamp.
(22:11):
In 15 minutes a day for fivedays, I will help you create a
budget that is perfect for youand your family because it is
based on your values and whatmatters most to you.
So I highly recommend going overto my website,
AccelerateYourLegacy.
com slash resources and checkingout the Better Budget Bootcamp.
That's it for this week,Accelerators.
(22:33):
Go out and make a difference.
thank you for spending time withus today on Money and Career
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
Don't just listen, implementwhat you've learned and share it
(22:53):
with someone who could use afinancial or career
breakthrough.
If you found value in today'sepisode, help us grow by rating,
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
your money and career.
Until then take ownership ofyour future and build your
legacy with intention.
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