Wealthysinglemommy.com

Overwhelmed by the sheer amount of stuff in your home? Are you relocating and managing the estate of someone who passed? Getting rid of old stuff — even very nice stuff — has become difficult.

Even thrift stores are overwhelmed with cast-off items and are getting picker and pickier about what they take.¹

Wealthysinglemommy.com founder Emma Johnson faced this issue on several occasions: Moving out of her New York City apartment, she couldn’t find any takers for a gorgeous Roche Bobois sectional and was forced to put it on the street.

Clearing out her mother’s estate, lovely antiques, Lenox china and fine linens were given to Good Will. In both occasions, time and stress were of the essence.

“Both situations — relocating to another city, dealing with my mom’s passing and her estate — was so overwhelming already,” Johnson said. “Scrounging around to find someone to take these very nice things really added to the burden. I was also stunned to realize that no one wants your stuff — no matter how nice you think it is.”

Fortunately, there are a lot of free and cheap junk disposal options.

Keep reading to learn about other junk hauling companies and places where you can donate or sell your items for cash:

Free junk removal

• AMVETS Thrift Stores
• Buy Nothing groups
• Craigslist
• Facebook Marketplace
• Furniture Bank Network
• Goodwill donation center and bins “near me”
• Habitat for Humanity
• Local thrift stores
• Nextdoor
• PickUpMyDonation.com
• PickUpPlease.org
• Salvation Army

Cheap junk removal

• 1-800-GOT-JUNK?
• College Hunks Hauling Junk
• Junk King
• Waste Management Bagster
• Search for “junk haulers near me” or “junk removal near me”

Where to sell your junk

• CashforElectronicsUSA.com
• Consignment shops
• eBay
• Garage sale or yard sale
• Pawn shops

Bottom line: How do I get rid of unwanted junk?

Free junk removal: 12 options

If you’re having trouble selling unwanted items online or they are too big to bring into a shop, some services will pick them up for free.

AMVETS Thrift Stores

AMVETS (American Veterans) is a nonprofit organization supporting veterans who have served in all branches of the U.S. military. The organization runs a chain of thrift stores that sell quality used clothing, household goods, and toys in communities throughout the country. Proceeds support programs that directly help U.S. veterans.

AMVETS also offers a convenient service when you’re looking to get rid of your used items: free pickup. Simply scroll the AMVETS Thrift Stores directory to find a location near you and schedule a pickup date and time. Each location will list items it needs, but you are welcome to get in touch to see if the organization will accept other donations not on the list.

Buy Nothing groups

The Buy Nothing Project is a global initiative started in 2013 that aims to reduce the impact of junk on the environment. Buy Nothing Facebook groups exist for communities around the world, where neighbors can gift items they no longer want to other people in their communities.

Note that you will not be able to make money off your possessions on Buy Nothing groups. Rather, everything offered is given freely with no money, barter, or strings attached.

To get started, download/join the BuyNothing app or search Facebook for a local Buy Nothing group and share photos of your unwanted items. Then wait to see if anyone in your community is interested in taking them off your hands.

Craigslist

Craigslist is helpful to both post your items for sale or free, especially or furniture and other large pieces that can’t easily be shipped or brought into a shop. Also check out our 27 sites like Craigslist.

When selling items online, there are some general best practices to keep in mind:

“Make sure to take clear photos of the item from different angles,” says Diana Bazic, founder of minimalismbasics.com, a website dedicated to simple living, downsizing, and decluttering. “It will make it much easier to sell things if potential buyers can see what they are buying.” 

A Craigslist “curb alert” post will alert others in the community that you are leaving your used items outside on the curb, free for them to pick up. 

Create a post under the “for sale/wanted,” “free stuff” category and write “Curb Alert” in the title, along with a description and photos of the items. Also include a general description of the location they will be placed at the curb, such as the cross streets near your home (don’t give out your home address for obvious reasons). Once the items have been taken, remove the ad from Craigslist so no one comes by it unnecessarily. 

Facebook Marketplace

Similar to Craigslist, Facebook Marketplace allows you to sell your items directly to people in your community — or give it away free.

To visit the Marketplace, tap on the shop icon at the bottom of the Facebook app. Here you will see an option to list your items and start selling your things.

Simply upload a photo of your item, enter the product name, description, and price, confirm your location, select a category, and post. You can arrange to meet people locally or ship your items. 

Furniture Bank Network

Furniture banks are nonprofit organizations that provide gently used household furnishings to families in need at little or no cost. The Furniture Bank Network can connect you with a local furniture bank near you.

Many organizations provide pick up and delivery service within a set radius and for a fee. If your donation is not accepted, furniture banks can work with you to help recycle your unwanted items to keep waste out of landfills. 

Goodwill donation center and bins “near me”

Perhaps the most well-known chain of thrift stores, Goodwill is always a solid option when you need to downsize or make room for new items in your home.

Most Goodwills make house calls for furniture or other large items that are difficult to transport. Contact your local Goodwill to find out if they offer pick-up services in your community.

Goodwill and other organizations like the Salvation Army and Planet Aid also place donation bins outside of stores and other points of interest where you can drop off donated items.

Habitat for Humanity

Habitat for Humanity ReStores accept both small and large donations of new or gently used furniture, appliances, housewares, building materials, and household goods. The home improvement stores then resell these items, and the money raised helps families in need build affordable homes.

Many Habitat ReStores offer free pickup for large items. Contact your local ReStore to see if they offer this service, and arrange a time to get rid of your junk.

Local thrift stores

Thrift stores are typically run by charities and will give you a tax deduction receipt for your items. Generally, thrift shops will accept items that are less valuable though in good condition.

Pro tip: Call ahead to inquire about what thrift stores will take before showing up with a truckload of stuff. As more and more junk is produced in the world, these organizations are forced to be more and more selective.

Nextdoor

Nextdoor is a social media platform that connects individuals, businesses, and organizations at the neighborhood level throughout the country. Through the platform, neighbors can exchange information, give and get help, and sell or give away unwanted items. It’s known for catty gossip, but can also be helpful when you’re clearing crap out of your home.

To post an item on Nextdoor, upload at least one photo of your item, include a description, set a price (or choose to give it away for free), and select a category. You can also choose if you want the ad to be visible only to your nearby neighborhoods or if you want to post it to your broader local area so neighbors a bit further away can see it. If your item doesn’t sell, you can alter the price.

PickUpMyDonation.com

If you’re having a tough time contacting local organizations to pick up your unwanted items, try PickUpMyDonation.com. This site acts as a middle man, serving as a connection point between donors and pickup providers. 

Simply head to PickUpMyDonation.com, enter your zip code, and answer a few questions about your donations. If the service is able to connect you with a nonprofit that can pick up your items, you will be contacted to arrange a date and time. If none are available, you will be connected to a paid junk removal service.

PickUpPlease.org

PickUpPlease.org allows you to schedule a pickup of charitable contributions of clothing, shoes, books, household goods, jewelry, toys, electronics, and small appliances. In many locations throughout the U.S., pickups can be scheduled within 24 hours. 

The Vietnam Veterans of America then sells donated items, and the proceeds fund its local, state, and national programs. 

Salvation Army

Donated goods to the Salvation Army are sold at their chain of thrift stores. Proceeds fund the organization’s Adult Rehabilitation Centers for those struggling with drug and alcohol disorders. 

Many Salvation Army Thrift Stores offer free pickup. Contact your local store to arrange a pickup or head to the Salvation Army website to schedule a time online.

Where to find a “scrap yard near me” to sell scrap metal

Cheap junk removal: 4 options

If your unwanted items aren’t fit to be donated or you can’t connect with a local charity, you’ll probably need to consider junk removal.

Below are four options for free or low-cost junk removal or cheap junk removal services:

1-800-GOT-JUNK?

1-800-GOT-JUNK is a full-service junk removal company that offers services across the United States and has a B+ rating with the Better Business Bureau. Simply schedule a time, and representatives from the company will come to your home and do all the heavy lifting for you. Your junk will be donated or recycled where possible. 

To determine how much it will cost to remove your junk, staff members will need to be able to access the items and determine how much space they’ll take up in their truck. 

When they arrive at your home and look at your items, 1-800-GOT-JUNK will offer a quote. If you wish to move forward, 1-800-GOT-JUNK will remove your items, load their truck, and sweep up the area.

College Hunks Hauling Junk

College Hunks Hauling Junk is a team of young men who come straight to your door and remove old furniture, appliances, electronics, yard waste, and most other junk you have accumulated over the years. 

The company is committed to removing non-hazardous junk in an eco-friendly way, reporting that 70% of all items removed are donated or recycled. 

College Hunks Hauling Junk operates a pricing-per-volume model by how much room your junk takes up in their truck. You will be given a price after team members assess your junk, and you can choose whether or not to move forward with the removal

Junk King

Junk King claims they will beat any written estimate from a competitor. Their website also states they recycle up to 60% of every job to keep waste out of landfills. 

In addition to on-site pricing (when reps come to your home and assess how much removing your stuff will cost), you can get an online price estimate based on the number of items or volume of your junk. 

You can also text a photo of your junk to 737-888-5865 to receive an estimate by text, or call 1-888-888-JUNK to talk to a customer service rep.

Waste Management Bagster

If you’re renovating, landscaping, or doing other projects around your home and have accumulated a large amount of waste, consider Waste Management Bagster. This service comes to your home to collect your junk and trash so you don’t have to worry about transporting it to a recycling center or dumpster.

Simply buy a Bagster bag at your local home improvement store, fill it with your junk (each bag can hold up to 3,300 pounds of debris or waste), and schedule a time for pickup. To find local retailers, check out the Waste Management Bagster’s directory. 

Search for “junk haulers near me” or “junk removal near me”

The quickest way to find junk removal services in your area is to Google “junk haulers near me” or “junk removal near me.” Check out this map to find out how to get rid of junk in your area:

Zip Code:

Where to sell your junk

If you have time and inclination, it may be worth trying to sell your item for some cash before ultimately giving it away. Start with these guides:

• 41 things to sell to make money
• 21 apps for selling stuff
• Where to sell junk cars
• Sell used furniture locally
• How to recycle scrap electronics for cash

CashforElectronicsUSA.com

If you have electronics you’re looking to get rid of (even if they are broken), consider selling to CashforElectronicsUSA.com, whose parent company, CJ Environmental, has an A+ Better Business Bureau rating. 

The company accepts:

• Computers
• Laptops
• LCD monitors
• Scanners

It also accepts any non-hazardous materials, such as parts of cell phones, motherboards, and hard drives. Accepted metals include: 

• Gold
• Silver
• Platinum
• Copper
• Palladium

CashforElectronicsUSA offers free waste collection services in New England and the Tri-State area. Those who live in other parts of the country have the option to ship their unwanted electronics.

Consignment shops

If your items are in good enough condition to sell, consignment shops can be a solid option. These stores, which can be online or IRL, sell secondhand goods on behalf of the original owner, who receives a percentage of the selling price (or money upfront).

While the process of selling on consignment can vary depending on the shop, generally, you will bring your clothing, accessories, appliances, or furniture to the store, and the shop will decide whether or not they want to take them. For larger items, you may be able to bring in photos. 

In-person consignment shops with locations throughout the United States include:

• Plato’s Closet
• Buffalo Exchange
• Once Upon a Child

Popular online consignment shops include:

• ThredUp
• Poshmark
• The RealReal
• Crossroads Trading
• Mercari

eBay

Selling your unwanted items on eBay is another option to consider. Since you’ll need to send the items through the post office, they should be easy to ship. To get the best bang for your buck on eBay, it helps if you have items that buyers can’t find locally. 

You can choose whether you want to accept bids for your items in an auction-style listing or set your listing to “Buy It Now,” which allows buyers to purchase your item directly for a set price. 

In either option, ship the item to the buyer quickly. Sellers are charged fees when listing and selling items on eBay, 12.9% of the sale price or lower for most categories, plus $0.30 per order.

Garage sale or yard sale

If you’re trying to figure out how to get rid of junk, an old-fashioned garage or yard sale is still a good option. You could even consider posting that everything on offer is free.

When planning a yard sale, the key to success is getting the word out ahead of time. 

“Put up signs around your neighborhood, and list your sale on online classifieds websites and in local newspapers,” Bazic says. You can also create a Facebook event and invite people you know to share. 

It’s also important to be organized, pricing items ahead of time and setting up your items in an easy-to-navigate layout.

Bazic suggests starting early, as yard sales are typically most successful in the mornings. 

Finally, be friendly to customers, have a lot of change on hand, and don’t be afraid of haggling. “Most people expect to haggle at yard sales, so don’t be afraid to negotiate on prices,” Bazic says. “If you still have items left at the end of the day, consider reducing prices to get rid of them.” Or, give stragglers your items for free in exchange for hauling the junk off the property.

Pawn shops

A pawn shop can be a quick way to sell your used items for cash. There are very few things you can’t sell at a pawn shop, but when you bring your goods to the shop, the pawnbroker will decide what they want to buy. 

Pawn shops nearly always buy the following items:

• Jewelry, gold, watches, gold coins, silver coins, and other precious metal scrap
• Electronics
• Silver flatware and tableware
• Firearms
• Computers / laptops
• Smart phones
• Tools and yard equipment
• Sports equipment
• Bicycles
• Musical instruments
• Video games

You can expect to receive 25-60% of the retail value of your item from the pawnbroker.

Bottom line: How do I get rid of unwanted junk?

If you have a lot of junk in your home, getting rid of it can do wonders for your home and life. If you need to get rid of a lot of junk quickly, call one of the above services or seek out affordable Dumpster rentals.

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SOURCES

1. “Sorry, Nobody Wants Your Parents’ Stuff,” Forbes, by Richard Eisenberg, Feb. 12, 2017 https://www.forbes.com/sites/nextavenue/2017/02/12/sorry-nobody-wants-your-parents-stuff/?sh=5688638824ed

According to research from career site Zippia,¹ only 18% of people in the United States earn $100,000 per year or more. 

However, you don’t need to have a doctorate or even a college education to get one of these high-paying jobs.

In this post, we’ll show you:

Six figure jobs without a degree

Six-figure jobs with a 4-year degree

Six-figure jobs with an advanced degree

Tips for earning six figures

1. Research industries and jobs that pay well
2. Pursue new certifications
3. Learn how to negotiate your salary
4. Seek to have multiple streams of income or side hustles
5. Build your personal brand

Six-figure jobs that do not require a degree

We put together a list of common and lesser-known six-figure jobs, including some high-paying remote jobs.

Most of the jobs on this list do not require formal training, though it might make sense to obtain a certification to improve your marketability. Learn about going back to school at 30 or 40.

Coursera has 7,000+ courses that can be completed in less than six months for just $39 a month after a 7-day free trial.

The salaries listed in this article reflect the high-end job earnings from Ziprecruiter and comparable career sites when Ziprecruiter data was unavailable:

Commercial AC repair technician

Salary potential: $120,797

Rather than working with residential clients, these air conditioning mechanics focus on commercial projects. 

One Reddit user repairs broken AC units in hospitals and skyscrapers and claims to earn more than $100,000:

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Professionals in the industry say the industry norm is to start as an apprentice and receive on-the-job training from a specific company: 

Job growth: AC repair technician jobs are expected to grow at a pace of 5% through 2031, according to the Bureau of Labor Statistics’ Occupational Outlook Handbook². That amounts to more than 40,000 expected job openings per year. The primary driver for this growth is likely to be new construction projects, but ongoing maintenance will also be needed.

Certifications: States have specific licensing requirements, but you can also earn additional certification from certain trade associations, including:

• North American Technician Excellence (NATE) certification ($50 exam) 
• EPA 608 certification for handling refrigerants ($85 exam)

11 local and online jobs that don’t require a background check

Digital content manager

Salary Potential: $103,000+

Digital content managers are responsible for raising brand awareness for a company. Your job might involve analyzing web traffic and metrics to develop a content strategy and attract the right audience to the company’s site.

Working professionals in this field say experience and skill certifications are more important than a degree for many companies. 

One Reddit user who dropped out of college stressed the importance of real-world experience:

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While larger companies may require a degree, professionals in this field recommend applying with startups and small businesses if you do not have one. Alternatively, you can start your own digital content agency to secure clients based on a portfolio of your work rather than your educational background.

Reddit users offered this advice to a content manager who was being rejected by companies because of his lack of a formal education: 

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Job growth: Media and communication job opportunities are expected to grow 6% from 2021-2031, which is about as fast as average for all jobs. About 68,600 jobs are expected to be available over the decade. 

Certifications: Several people on Reddit who hire digital marketing professionals say it’s beneficial to have certifications listed on your resume: 

There are lots of digital marketing certificates available, including a joint certification offered by the Digital Marketing Institute and American Marketing Association for $1,442. 

There are also free options, like: 

• LinkedIn Learning’s digital marketing course (which is listed on your profile upon completion)
• Google’s Marketing Platform and Analytics Academy
• Meta Blueprint’s courses on Facebook marketing

One Reddit user suggested taking a free class through an accredited university: 

Freelance writer

Salary Potential: $165,000+

Freelance writers are self-employed writers who work on a contract basis for websites, blogs, social media accounts, and print publications. 

Focus on creating a strong portfolio to show potential clients. Most are more interested in your writing samples than your education or even your resume. In my own experience as a freelance writer, I can attest that most clients don’t require a formal resume or cover letter to apply. 

These Reddit users became freelance writers without a college degree:

Job growth: Job opportunities for writers and authors is expected to grow 4%, which is about as fast as average. About 15,200 job openings are expected annually, on average, over the decade. 

Certifications: The general consensus among freelance writers is that experience and clips are more important than a certification in this field: 

Logisticians

Salary potential: $122,390 

Logisticians coordinate supply chain activities, such as managing purchases, delivery, and inventory. This Reddit thread reveals many industry employees making well over $100,000, plus bonuses and stock options:

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Job growth: The logistics industry is on track to grow exponentially in the years ahead, thanks to the continued demand of e-commerce. Logistician positions will grow 28% through 2031, resulting in 24,800 job openings each year. 

Certifications: There are several certification programs available in the logistics and supply chain industry. Reddit user MedEng3 recommends the following:

• CPIM: from the Association for Supply Chain Management; cost: $1,190 (exam only)
• Lean Manufacturing: Waste elimination in both physical and transactional processes from SME; cost: $439 to $599 
• Six Sigma: Variation reduction, manufacturing focus – from The Council of Six Sigma Certification; cost: $229 to $349
• PMP: Project management from The Project Management Institute; cost: $405 to $555

Makeup artist

Salary Potential: $119,500+

Makeup artists use cosmetics and other beauty products to enhance their clients’ appearances. They typically work in the fashion, beauty, film, wedding, photography, and television industries. 

While licensing may be required in some states, you can add to those skills by learning on YouTube. 

In addition to practice, Reddit user Veganmua recommends, “[watching] YouTube tutorials of actual make-up artists (rather than enthusiasts) of all skin colors and eye shapes.”

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Job growth: Job opportunities for barbers, hair stylists, and cosmetologists are expected to increase 11% from 2021-2031. Approximately 93,800 jobs are expected annually on average. 

Certifications: You can search online directories for beauty schools in your area or search “beauty schools near me” on Google: 

Zip Code:

Massage Therapist

Salary Potential: $113,000

Massage therapists use therapeutic touch and pressure on the soft tissues of the body to help relieve pain and stress and promote healing and general wellness. 

43% of massage therapists are self-employed, while the other 57% work for employers such as chiropractors and other healthcare practitioners.

To get a job as a massage therapist, you typically need: 

• High school diploma or equivalent to qualify for training programs
• Training from a state-approved massage therapy program (a one-year program costs between $3,000 and $15,000)
• Successfully pass a licensing exam
• Complete a background check, maintain liability insurance, and become CPR-certified (these costs may be covered by your employer, but it’s smart to check) 
• Continuing education credits and licensing renewal might be required (costs may be covered by employer)

Job growth: Job opportunities for massage therapists are expected to increase by 20% from 2021-2031, which is much faster than average for all occupations. On average, about 25,200 openings for massage therapists are expected over the decade. 

Certifications: Each state has its own certification and licensure requirements. 44 out of 50 states also require the Massage and Bodywork Licensing Examination (MBLEx) as part of the approval process. You can also get an additional certification from the National Certification Board for Therapeutic Massage and Bodywork ($275).

Some massage therapists on Reddit, however, didn’t see the value of this additional certification:

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However, another massage therapist on Reddit said that having the additional certification helped get jobs and navigate their massage school losing accreditation:

Nuclear technician

Salary potential: $180,000+

A nuclear technician assists scientists and engineers by operating testing and research at nuclear plants. 

A Reddit user reports senior technicians earning as much as $180,000 per year. Plus, nuclear technicians may enjoy higher spending power due to lower costs of living in rural areas where these plants tend to be located. 

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Job growth: The outlook for nuclear technicians is actually on the decline as traditional energy sources are replaced with more renewable options. However, as technicians retire, existing facilities will need new workers for maintenance and upgrades. Expect about 400 job openings each year through 2031 (a 17% overall decline).

Certifications: There are a few different industry certifications available for nuclear technicians:

• The Nuclear Energy Institute: Offers multiple specialized trainings (cost varies; $179 t $359)
• The American Society for Nondestructive Testing: Provides Industrial Radiography and Radiation Safety Personnel certification ($640 to $720)
• The National Registry of Radiation Protection Technicians: Offers an exam for membership ($300).

Power-line installer and repairer

Salary potential: $114,590

Electrical power-line technicians work on installing and repairing poles and transmission towers. In a Reddit thread on six-figure careers, a user described their job as “fixing and building power-lines and playing with high-voltage electricity.”

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Like AC repair, power-line work requires vocational training, which may involve becoming an apprentice for a specific company you eventually work for. 

Job growth: The outlook for power-line installer and repairer jobs are on par with the national average, with a 6% growth rate anticipated through 2023. Expect about 23,500 new job openings each year, particularly as older employees retire. 

Certifications: Optional certifications are available through BICSI (for installers and repairers), Electrical Training ALLIANCE (for specialized training), and The Fiber Optic Association (for telecommunications lines).

Programmer

Salary Potential: $111,000+

Programmers create, edit, and test the scripts and code required for computer programs to run correctly. 

Programmers need experience writing code, specifically Python and SQL; testing programs; and correcting errors. 

To get a job, professional programmers recommend building a portfolio of completed projects. You can start with freelance gigs through sites like Fivrr and Upwork.

One Reddit user offered an extensive overview of how to get a programming job: 

I wrote a guide on how to get a career as a programmer without a degree (or bootcamp)
byu/Expert-Principle1347 inlearnprogramming

Job growth: Even though job opportunities for computer programmers are expected to decline 10% from 2021-2031, 9,600 job openings are expected annually, on average. 

Certifications: There are several online coding classes to help you become a programmer. Harvard offers a free online Introduction to Computer Science class, with the option to get a verified certificate for $189. The self-paced course takes 11 weeks if you complete about 10 hours per week. 

Teaching platforms like Udemy also have specific skills courses available at a range of prices. You can take coding classes on subjects like Python and CSS.

Real estate agent

Salary Potential: $200,000+

Real estate agents are licensed professionals who represent buyers or sellers in real estate transactions, helping them market their properties and negotiate sales contracts. Agents can work with residential or commercial properties. 

While requirements vary by state and jurisdiction, real estate agents must go through a training course and pass a licensing exam to work with clients.

Real estate agents are not salaried, but rather earn commission on the sale of a home, typically between 3% and 6% of the final sale price. If you work for a brokerage like Keller Williams or Berkshire Hathaway, you’ll split that commission with your broker (50/50, 60/40, and 70/30 are common splits — the more experience/sales you have, the higher your percentage). 

You can also obtain a broker’s license to branch out on your own or start your own brokerage employing other agents. 

Experienced agents recommend having at least six months of living expenses saved up before you obtain a license, since it can take some time to build a client base and get paid for your first sale. Some brokerages will provide you with a list of leads and additional training upon joining. 

Job growth: Employment opportunities for real estate agents are expected to grow 5% from 2021-2031, which is about the average for all jobs. About 23,100 jobs are expected to be available over the decade.

Certifications: Licensing requirements for real estate agents vary by state. In California, for instance, the training takes 135 hours and costs around $305 for registration and examination fees. 

Compare that to a smaller state like Delaware, which only requires 99 hours of training and costs $180 to get a license.

Sales consultant

Salary Potential: $109,000

Sales consultants are professionals who help a business or individual increase sales revenue by providing advice, guidance, and support on sales-related issues. They also research and identify potential customers to create marketing campaigns and sales pitches.

Many Reddit users recommend enterprise software sales as a path to multi-six figure salaries. But there are non-technical options out there, as well. 

This Reddit thread provides a lot of ideas for six-figure sales industries, including some that might surprise you:

Striving For A Multi-6-Figure Sales Gig
byu/Cornelius_Turtledove insales

Job growth: Job opportunities across all sales occupations, including sales consultants, are expected to show very little change. About 1.9 million openings across all sales occupations are expected each year from 2021-2031. 

Certifications: While it is possible to take sales courses, many pros recommend improving your skills on the job and working your way up to more lucrative industries. 

Truck driver

Salary Potential: $158,500

Truck drivers transport cargo across short and long distances. Learn more about what it takes to become a truck driver. 

If you plan to drive a commercial truck, you first have to obtain a commercial drivers license. Most drivers attend a driving school or other program. Costs range from $3,000 to $10,000.

Drivers also have to pass a physical exam every two years and maintain a clean driving record. 

These are some of the top trucking employers in the U.S.: 

• UPS
• Fedex
• J.B. Hunt 
• XPO Logistics
• Landstar System
• Swift
• Old Dominion Freight Line
• Schneider
• YRC Worldwide
• ARCBEST
• Estes Express
• C.R. England
• Werner Enterprises

You can also find trucking jobs without a CDL if you drive a truck that weighs 26,000 pounds or less (like box trucks and Amazon delivery vehicles). 

Job growth: Job opportunities for truck drivers are expected to grow 4% from 2021-2031, which is about as fast as average. About 259,900 job openings are expected over the decade. 

Certificates: Training for truck drivers can take anywhere from three weeks to six months depending on the type of license you’re obtaining. Some companies will pay you to get your license as long as you sign a contract to work for that company for a set period of time.

Virtual assistant

Salary Potential: $108,500

Virtual assistants are typically self-employed workers who provide administrative, technical, or creative assistance to clients remotely. Job duties might involve answering emails, managing schedules and posting to social media accounts.

Be strategic with your pricing and packages to earn as much as possible. Reddit users offer advice on reaching $10,000 per month, particularly by offering niche services:

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Job growth: Overall job opportunities for secretaries and administrative assistants is expected to decline 8% from 2021-2031. However, 345,000 openings are expected on average each year over the decade. 

Certifications: There are online virtual assistant courses to help you launch into this career, though most are just designed by established VAs. 

While some VAs say they learned valuable information from these courses, others say you can find and learn everything you need to know for free, especially if you already have administrative experience. 

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Web developer

Salary Potential: $133,000

Web developers use programming languages, web development tools and frameworks to create websites and enable functionality. 

It’s possible to learn web development skills without a computer science degree. Reddit user EasyDescription-915, a front-end developer, recommends YouTube and Udemy courses and offers specific recommendations:

“Some people that helped me on my journey are Colt Steele (helped with React), Web Dev Simplified (helped with JS), Kevin Powell (Critical for CSS), Dev ed (JS, animation, design), and Design Course (UI/UX material).”

Job growth: Job opportunities for web developers and digital designers are expected to grow 23% over the decade or much faster than average. From 2021-2031, about 21,800 job openings are expected on average.

Certifications: Certifications may not be necessary, especially as you build a strong portfolio of work. But there are some you can take to bolster your resume. Here is one recommendation from Reddit user Fast-Wind251, in response to this query:

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“Certifications by respected bodies, and where you need to take an exam, are good things to have. These are a few that would be relevant as a developer:

• Certified Web Developer (CIW)
• ISTQB Certified Tester
• Certified Scrum Developer (CSD)
• Certified Secure Software Lifecycle Professional (CSSLP)
• Linux Professional Institute (LPI)
• AWS Certified Developer
• Microsoft Certified: Azure Developer Associate
• Certified Kubernetes Application Developer
• Oracle Certified Professional, Java SE 11 Developer (If you do Java)
• Cisco Certified Network Associate (CCNA):
• Certified Ethical Hacker (CEH)

“While a lot of these aren’t specifically web development, they are related and relevant skills, and they will give you an advantage over others that don’t have them.”

Airline pilot

Salary potential: $202,180+

Airline pilots fly aircraft such as planes and helicopters. In addition to navigating the aircraft in the cockpit, pilots are responsible for checking the condition of the aircraft and communicating with air traffic control. Some major airlines, like Delta, have dropped their four-year degree requirements. 

There is currently a nationwide shortage of commercial airline pilots. Some airlines and airplane manufacturers like Boeing are offering incentives, including scholarships toward flight training. 

In particular, there is a push toward recruiting more women and minorities to the profession. 

Job growth: Expect steady job growth for airline and commercial pilots in the years ahead. 6% growth through 2031 amounts to 18,000 jobs added each year. One area of greatest need is pilots in ambulatory services who transfer patients to health care centers by air.

Certifications: To become a pilot, you have to: 

• Complete flight training (either private or through an airline affiliate you plan to work for); costs range from $76,000 to $97,000
• Earn their private pilot license and then their commercial pilot license
• Earn private then commercial pilot certificate (1,500 hours of flight time plus exams, which typically takes about two years)
• Medical exam (including 20/20 vision)

The first step is to get a private pilot certificate, followed by the commercial pilot certificate, and finally the Airline Transport Pilot (ATP) certification. 

Six-figure jobs with four-year degree

These careers will likely require at least a bachelor’s degree: 

Art director

Salary potential: $151,000

Art directors manage a team of designers and artists to ensure projects are completed according to a brand’s aesthetic. Advertising and marketing agencies hire art directors to oversee clients in a range of industries. 

Education/job training requirements: 

• Bachelor’s degree in fine arts, design or communication technology (recommended but not required)
• Five or more years of work experience in an art or design occupation

Real-life advertising professionals agree that a minimum of five years experience is standard for reaching art director level. 

“Typically the standard and experience required for an AD is at least that of a senior, so minimum 5 years, usually more though in the range of 7-10,” says Reddit user moreexclamationmarks.

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Job growth: Art director opportunities are expected to grow 4% up to 2031, which is about as fast as the average for all occupations. About 13,400 job openings are projected for each year on average.

Environmental engineer

Salary potential: $119,500

Environmental engineers research and develop solutions to environmental issues, such as waste management, water quality, air pollution and public health concerns.

The majority of environmental engineers work full time. However if you are in charge of managing a project, you may work more than 40 hours.

Education/job training requirements:

• Bachelor’s degree in environmental, chemical, civil or general engineering
• Practical experience from a cooperative engineering program or an internship

Job growth: Job opportunities for environmental engineers are expected to grow 4% from 2021 to 2031, which is about as fast as average for all occupations. On average, about 3,400 job openings are expected each year.

Financial manager

Salary potential: $144,000 

Financial managers oversee the finances of individuals and various organizations, including banks, insurance agencies, and investment firms. 

Financial managers usually work full time, and some put in more than 40 hours each week. 

Education/job training requirements: 

• Bachelor’s degree in an area such as finance, economics, or business administration
• At least five years of on-the-job experience in a business or financial occupation, such as an accountant, financial analyst, or auditor

Job growth: Job opportunities for financial managers will grow about 17% up to 2031, which is much faster than the average job growth. It’s expected that 71,300 financial manager jobs will be available each year. 

Funeral home director

Salary potential: $115,645

Funeral home directors provide funeral services and assist families in making arrangements for a deceased loved one. They also prepare bodies for burial or cremation.

Funeral home directors typically work full time and often must respond at odd hours, including during evenings and weekends, due to the nature of their work.

Education/job training requirements: 

• Bachelor’s degree in mortuary science, psychology, or business (an associate’s degree in funeral service or mortuary science education might be acceptable)
• Receive a passing score on a state and/or national board exam to become licensed
• Complete an internship of one to three years
• Regularly complete continuing education hours to maintain licensing in some states

Job growth: Job opportunities for funeral directors are expected to grow 8%, or faster than average, from 2021-2031. About 7,900 job openings are expected each year on average. 

Market research analyst

Salary potential: $117,500

Market research analysts are responsible for collecting, analyzing, and interpreting data to help businesses make informed decisions about their marketing strategies. 

Market research analysts generally work full time during standard business hours. 

Education/job training requirements: 

• Bachelor’s degree in market research or another field, such as business, communications, or economics. Leadership roles may require a master’s degree.
• An internship or volunteer experience doing market research could be helpful. 
• Industry-specific certification from the Insights Association, while voluntary, could also be helpful. The Market Research Online Course from the University of Georgia, for instance, costs between $1,595 and $1,795 and must be completed within 12 months.

Job growth: Job opportunities for market research analysts are expected to grow 19% from 2021-2031, which is much faster than average. On average, approximately 99,800 job opportunities are expected each year. 

Product manager

Salary potential: $159,000

Product managers are responsible for overseeing the development, launch, and ongoing improvement of products. They are responsible for driving the success of the products they manage, working closely with cross-functional teams to ensure that the product meets customer needs and business objectives. Typical job duties include: 

• Defining product vision and strategy
• Collaborating with engineering and design teams
• Managing product launches and monitoring product performance

Product managers usually work full time but sometimes must work evenings and weekends to meet deadlines. 

Education/job training requirements: 

• Bachelor’s degree in business, marketing or finance
• Industry-recognized product management certification might be required

Job growth: Specific data for product managers is not available. However, overall employment growth in management occupations from 2021 to 2031 is projected at 8%, or faster than average for all occupations, with 883,900 new jobs available. 

Public relations manager

Salary potential: $129,500

Public relations managers create and maintain a positive image of their client, which involves managing communications and relationships with the media, stakeholders, and the public. Typical job duties include: 

• Develop and execute public relations strategies designed to improve the image and reputation of the company
• Build relationships with the media to pitch stories and promote client’s brand
• Track the results of PR strategies and reporting those results to an organization’s executives

Public relations managers usually work full time, and often work extended hours.

Education/job training requirements: 

• Bachelor’s degree in public relations, communication or business or a master’s degree in public relations, nonprofit management or fundraising 
• Several years of experience as a PR specialist, fundraiser or related position

Job growth: Public relations manager opportunities are expected to grow faster than average for all occupations — approximately 8%  — until 2031. About 9,100 openings are expected each year. 

Six-figure jobs with an advanced degree

These jobs will require a master’s degree or doctorate: 

Computer scientist

Salary potential: $161,870 

A computer scientist creates solutions for both hardware and software. They design computer architecture across a range of industries, including business, science, and medicine. 

Education/job training requirements: 

• A master’s degree or Ph.D in computer science or information systems
• Additional specializations may be helpful to work in certain industries (such as studying biology to work in biomedical applications)

Job growth: The outlook for computer scientists is strong, with a 21% growth rate expected though 2031. That equates to 3,300 new jobs added each year, with a particular need in cybersecurity. 

Human resources manager

Salary potential: $116,000

Human resources managers oversee a company’s recruitment, staffing, and benefits and compensation packages.

Human resources managers typically work 40 hours per week, but some positions require longer hours. 

Education/job training requirements: 

• Bachelor’s degree in human resources or a related field, such as business, communications or psychology
• Master’s degree in human resources or a related field may be required for some positions

Job growth: Opportunities for human resource managers are expected to grow 7% from 2021 to 2031, which is as fast as expected for all occupations. About 16,300 job openings are expected each year up to 2023. 

School principal

Salary potential: $100,500

School principals manage the staff and operations of a school while providing educational leadership and fostering a supportive and collaborative learning environment.

School principals typically work full time, even in the summer. They may also have to work some evening and weekend hours due to school functions or events.

Education/job training requirements: 

• Bachelor’s degree in education, counseling, or a related field
• Master’s degree in education leadership or administration
• Several years of experience in a related occupation, such as teaching
• Complete a licensing or certification exam (required in some states; $350 to $375 for the ETS Performance Assessment for School Leaders)
• Background check

Job growth: Job opportunities for school principals are expected to grow at a rate of 5%, or as fast as average for all occupations, until 2031. On average, about 23,500 job openings for elementary, middle and high school principals are expected each year. 

Health care careers that pay six figures: 

There are numerous health care careers that pay over six figures, and not all require an advanced degree. Here are some potential options: 

Dental hygienist

Salary potential: $121,000

Dental hygienists are licensed oral health professionals who examine patients to identify oral diseases and provide preventative care. Typical job duties: 

• Perform teeth cleanings, taking X-rays, and providing preventative care to patients
• Educate patients on proper dental hygiene practices, including brushing and flossing techniques, and providing advice on how to maintain healthy teeth and gums
• Document patient care, including dental histories, treatments provided, and any changes in oral health

Dental hygienists mostly work part time, and some choose to work for more than one dentist.

Education/job training requirements: 

Associate’s degree in dental hygiene from a school accredited by the Commission on Dental Accreditation

Job growth: Job opportunities are expected to grow 9% from 2021-2031, which is much faster than average for all occupations. About 16,300 job openings are expected each year over the decade. 

Medical writer 

Salary potential: $176,500

If you’re looking for writing jobs that pay over $100K, a medical writer is responsible for producing various types of written content related to the pharmaceutical and healthcare industry. Typical job duties include:

• Writing content for healthcare news articles, websites or magazines
• Writing clinical research documents
• Writing journal manuscripts and abstracts
• Writing educational and promotional literature related to medical conditions or drugs

Medical writers generally work full time but might also have to work evenings and weekends to meet deadlines.

Education/job training requirements: 

• Bachelor’s degree in a scientific field, such as biology or chemistry
• Bachelor’s degree in English, journalism or communications might also be considered with related work experience or on-the-job training
• Continuing education and certificates in medical writing from the American Medical Association are not required but can be helpful in demonstrating competence

Job growth: Employment for medical writers is expected to grow 6% from 2021-2031,  which is about as fast as average for all occupations. Around 5,400 job openings for medical writers are expected each year on average. 

Nurse anesthetist

Salary potential: $240,500

Nurse anesthetists are responsible for administering anesthesia and other medications to patients undergoing surgery or other medical interventions. Typical job duties include:

• Collaborate with surgeons, anesthesiologists, and other healthcare professionals to ensure that patients receive safe and effective care
• Conduct preoperative assessments of patients to determine the appropriate type and amount of anesthesia to administer
• Administer anesthesia and other medications to patients during surgical and medical procedures
• Monitor patients’ vital signs and adjusting medication dosages as needed

Nurse anesthetists typically work full-time shifts and work hours may be scheduled for evenings, weekends and holidays. 

Education/job training requirements: 

• Bachelor’s degree in nursing 
• Registered nurse license
• At least one year of experience working as an RN in an acute care setting, such as an intensive care unit
• Completion of an accredited nurse anesthesia program to earn a Master’s degree or a Doctor of Nursing Practice degree
• Successful completion of the National Certification Examination for Nurse Anesthetists, which is administered by the National Board of Certification and Recertification for Nurse Anesthetists

Job growth: From 2021-2031, job growth for advanced practice registered nurses, which includes nurse anesthetists, is expected to grow 40% each year or much faster than average. About 30,200 job openings are expected each year on average. 

Nurse practitioner

Salary potential: $165,000

Nurse practitioners are advanced practice registered nurses who are licensed to provide healthcare services under the supervision of a physician. The typical job duties of a nurse practitioner include:

• Assess patients, creating treatment plans and providing patient education
• Collaborating with other healthcare professionals, such as nurses, doctors and pharmacists
• Monitor patient progress and providing ongoing support
• Update medical records for patients in their care

Nurse practitioners typically work full time. If they work in a physician’s office, they usually work normal business hours. If they work in a hospital, they work shifts, which can include nights, weekends and on-call availability. 

Education/job training requirements: 

• Bachelor’s degree in nursing with a registered nursing license (some schools offer alternative paths)
• Nurse practitioner-focused master’s degree 
• Certification as a nurse practitioner to gain licensing

Job growth: From 2021-2031, job growth for advanced practice registered nurses, which includes nurse practitioners, is expected to grow 40% each year or much faster than average. About 30,200 job openings are expected each year on average. 

Occupational therapist

Salary potential: $165,000

Occupational therapists are health care professionals who help disabled, injured or ill people of all ages develop or recover the skills necessary to complete their daily activities at home and work.

Occupational therapists normally work full time but may work evenings and weekends to meet the needs of their patients. 

Education/job training requirements: 

• Bachelor’s degree in healthcare or a related field
• Master’s degree in occupational therapy from a school accredited by the Accreditation Council for Occupational Therapy Education
• 24 weeks of supervised fieldwork to gain clinical experience

Job growth: Job opportunities for occupational therapists are expected to grow 14% from 2021-2031, which is much faster than average. About 10,100 job openings are expected each year.

Optometrist

Salary potential: $174,000

Optometrists are healthcare professionals who specialize in diagnosing, treating, and managing vision and eye health problems.Typical job duties include: 

• Conduct eye exams
• Prescribe corrective lenses
• Treat eye conditions
• Work with ophthalmologists to provide pre- and post-operative care

Optometrists typically work full time and may work evenings or weekends to accommodate patients. 

Education/job training requirements: 

• Bachelor’s degree, typically in biology or physical science
• Four-year Doctor of Optometry degree from an accredited school
• One-year residency program (may not be required in some states)
• Completion of the National Board of Examiners in Optometry exam to gain licensing
• Continuing education hours and periodic renewal of license 

Job growth: Job opportunities for optometrists are expected to grow 10%, or faster than average for all occupations until 2031. About 1,700 job openings are expected, on average, per year. 

Physical therapist

Salary potential: $146,000

Physical therapists play a critical role in helping patients recover from injuries or illnesses, manage chronic conditions, and improve their physical function and quality of life. Typical job duties: 

• Evaluate patients’ physical conditions and medical histories to develop personalized treatment plans
• Use a variety of techniques, such as exercise, manual therapy and equipment to help patients improve their mobility, flexibility, strength, and balance
• Educate patients and their families about their conditions, treatment options, and self-care techniques to improve their outcomes and prevent future injuries

Physical therapists work either full or part time, and hours may include evenings and weekends to accommodate patients

Education/job training requirements: 

• Complete a bachelor’s degree program in a related field, such as biology or exercise science
• Complete a Doctor of Physical Therapy degree program from an accredited institution
• Completion of clinical internships and other supervised training programs to gain hands-on experience and develop clinical skills
• Successful completion of the National Physical Therapy Examination administered by the Federation of State Boards of Physical Therapy 
• Licensure as a physical therapist in the state where they intend to practice

Job growth: From 2021-2031, opportunities for physical therapists are expected to grow 17%, which is much faster than the average for all occupations. About 15,400 openings are expected, on average, each year.

How to make $100,000 a year

Matthew Warzel, a Certified Professional Resume Writer (CPRW) and president of MJW Careers³, is a former recruiter for Fortune 500 companies like GM and Ford. He offers this advice for people who want to make six figures or more:

1. Research industries and jobs that pay well

Warzel says if you want a high-paying job, you should research in-demand careers and salaries on sites like: 

• Glassdoor
• Payscale
• Salary.com 
• Linkedin Salary
• U.S. Bureau of Labor Statistics

According to jobs site Indeed⁴, these are six of the highest-paying industries: 

• Health care
• Engineering
• Information technology
• Finance
• Mining, resources, and energy
• Legal

2. Pursue new certifications

Certifications serve as proof to employers that you have specialized knowledge and skills in a field or industry, which can help you land a job and increase your earning potential.

However, Warzel cautions that you should carefully research: 

• Need/demand for certification in your industry
• Cost of certification and potential return on investment
• Credibility of the certifying organization

He suggests reaching out to professionals in your chosen field to gain insight into the value of the certification and its impact on hiring.

“Pursuing a certification that isn’t recognized by employers or is oversaturated in the job market may not yield the desired results,” he says.

These are some fields that offer certifications: 

• Information technology and coding
• Project management
• Business
• Marketing
• Sales 
• Accounting and bookkeeping 
• Human resources
• Health care (learn about becoming a home health aide or a doula, including a doula who earns $100,000+)
• Medical billing and coding
• Proofreading
• Graphic design
• Child care

3. Learn how to negotiate your salary

Warzel says you should wait to negotiate your salary until you’ve received a formal job offer.

However, you should prepare in advance. Here are some tips to help you be successful: 

Research salary data for the job you’ve been offered. Warzel recommends job seekers do their research on industry standards, company culture, and the value they bring to the organization to determine a salary range that’s appropriate.

Decide on a salary range rather than a single number. When the time comes to negotiate, Warzel says it is generally better to offer a salary range rather than a single number. He says this allows for more flexibility in the negotiation process and acknowledges the fact that there may be room for negotiation. 

Rehearse how you will present the salary information. Quote your desired salary range and present supporting facts from your salary data research to back up your numbers. Warzel says that you should also focus on highlighting your skills, experience  and unique value proposition to the company. Being confident, respectful, and open to compromise can also help increase your chances of a successful negotiation.

Stay upbeat and confident. Confidence is key when negotiating salary. If you seem unsure about your worth, the hiring manager will be, too. Warzel says employers may not make their best salary offer to begin with, so don’t be afraid to ask for more than is initially offered. 

“However, be respectful and professional in your negotiation, and avoid being confrontational or demanding,” he says.

Consider compensation beyond salary. If the salary you’re offered after negotiating isn’t quite what you were hoping, consider other negotiating points. Warzel says you can negotiate bonuses, stock options, or extra vacation days as a way to increase the value of the job offer.  

Be prepared to walk away. If your goal is to earn six figures, a salary offer that’s not even in the ballpark will delay your progress. As long as you’ve researched your worth and the reality of making six figures in your role, there’s no reason you should settle for less. Be persistent, but walk away if it’s clear you’ve reached the end of the negotiations. 

Learn more about how to ask for a raise. 

4. Seek to have multiple streams of income or side hustles

Earning six figures might require multiple streams of income. If you have time in your schedule, you can start a side hustle, rather than just relying on your full-time job to get there. 

In 2022, Lending Tree⁵ conducted a survey of consumers with side hustles and found that parents with kids younger than 18 earn an average of $533 per month (or $6,396 annually) from their side gigs.

Warzel says that side hustles and additional income streams can be a great way to supplement a full-time job and increase earning potential. But he cautions that you should carefully manage your time and prioritize your responsibilities so that the side hustle does not interfere with your regular job performance or personal life. 

He also recommends exploring opportunities to earn passive income, such as investing in stocks or rental properties. 

Here are some additional supplemental streams of income and side hustles to consider: 

• Rent out your car through an app like HyreCar or 
• Rent your driveway or garage on Neighbor
• Pet sit or house sit using sites like Rover and TrustedHousesitters.com
• Resell items on Amazon, eBay and Poshmark, or a site like Craigslist
• Offer online freelancing services, including writing resumes, proofreading, and building websites
• Tutor online
• Try manifesting money (if you believe in that sort of thing)

5. Build your personal brand

“By building a strong personal brand,” Warzel says, “you can establish yourself as a valuable and credible professional in your field and increase your chances of reaching your salary goals.” 

These are Warzel’s recommendations for successfully building your personal brand: 

Be clear about your unique value proposition. Warzel says to ask yourself what sets you apart from others in your field and what unique skills, experiences, or perspectives  you bring to the table. 

“Knowing your unique value proposition can help you communicate your strengths and stand out in a crowded job market,” he says.

Create a professional website or portfolio. Warzel says that creating a website or portfolio to showcase your work and accomplishments can be a great way to demonstrate your expertise while building your personal brand. 

Use social media strategically. Warzel recommends using social media to engage with your target audience, share relevant content, and demonstrate your expertise, which will all help you build credibility and establish yourself as a thought leader in your field.

Seek out opportunities to speak or write about your area of expertise. “Speaking at conferences, writing articles or blog posts, or appearing as a guest on podcasts or webinars can be great ways to demonstrate your expertise and build your personal brand,” Warzel says. 

Be consistent in your messaging and branding. Your messaging, visual branding, and online presence should all align with the personal brand you want to create.

Same-day pay jobs: 26 instant payout opportunities for quick cash

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SOURCES

1. “How many people make over 100K per year?” Jan. 18, 2023. Zippia. https://www.zippia.com/advice/how-many-people-make-over-100k/#:~:text=To%20find%20out%20more%20about,over%20%24100k%20per%20year.
2. Occupational Outlook Handbook. Bureau of Labor Statistic. https://www.bls.gov/ooh/
3. MJW Careers, LLC. https://mjwcareers.com/
4. “6 Highest Paying Industries.” Feb. 16, 2023. Indeed. https://www.indeed.com/career-advice/finding-a-job/highest-paying-industries
5. “Side hustlers on the Rise, and Nearly 70% say they’re more reliant on the extra income due to inflation.” December 5th, 2022. Lending Tree. https://www.lendingtree.com/debt-consolidation/side-hustlers-survey/

We’ve been hearing economists’ warnings of an impending recession for a few years now — yet the job market, stock market and real estate markets remain strong. What’s the deal?

I just Googled on April 4, 2025, “recession?” into Google News, and these headlines came up top:

Trump’s tariffs could push America — and the world — into recession [CNN]

One of the Fed’s top recession alarms sends 2008-style signal [Reuters]

Fear that Trump tariffs will spark recession wipes out more than $2 trillion in value from US stocks [AP]

In short: It’s coming. In any case, many people are still very worried about an economic downturn, which will be inevitable, at some point (if history is a predictor).

This post will address two major issues:

• How do you prepare for a recession, and
• How to survive a recession

The goal is to help you prepare for a higher chance of unemployment, investment losses and general financial instability, help you if you are living paycheck-to-paycheck, and have trouble paying your bills.

Rules for weathering a recession are good to follow no matter the economy, and come down to these points:

Spend less, save, and earn more money.

Keep reading for specifics:

First: What is a recession?

• What does a recession mean for the average person?
• How long do recessions usually last?

How to prepare for a recession

1. Create a financial plan now
2. Live frugally always
3. Have a savings cushion and build up your emergency fund
4. Sell stuff you don’t need
5. Get a side gig to ensure multiple streams of income
6. Prioritize and pay down debt
7. Avoid or delay major purchases
8. Invest in yourself by learning recession-proof skills
9. Identify support systems/network

How to survive a recession if you still have a job

1. Have a financial plan — don’t just wing it!
2. Start or build an emergency fund
3. Invest in training, education, networking and building your career 
4. Create a budget and otherwise double-down on frugality
5. Manage your debt 
6. Delay major purchases like a car or appliance 
7. Sell unwanted and unused items to make extra money
8. Consider starting a side gig for extra income
9. Create a network — personal and professional

How to survey a recession if you lost your job

Economic recession FAQs

Bottom line: You can survive a recession and thrive afterward if you take action now

What is a recession?

The definition of a recession is a downturn in the economy. On a broader scale, this means that businesses lose money and industry produces less product for two quarters — or six months — in a row.

What does a recession mean for everyday people? Recessions are typically marked by:

• High unemployment rate
• Wages that do not go up
• Lower housing prices
• Downturn in stock market equities and other investments

There have been 10 official U.S. recessions since the S&P 500 was established in 1957.

The worst S&P 500 decline was in 2010 during the Great Recession, when the index plunged 55% below its previous peak in March 2009. However, the average S&P 500 decline during post-World War II recessions is 29%.

What does a recession mean for the average person?

Here is what happens during a recession, how a recession affects you, and what you can do today to prepare for a recession, including securing your finances and career:

1. Prices increase

Consumer prices and inflation can increase for any number of reasons, and typically a combination of natural resources scarcity, supply chain issues, and typically interest rate increases.

The U.S. Federal Reserve (and its counterparts globally) intentionally increase prime interest rates when they believe that consumer spending is getting out of hand — a way to reign in overzealous purchases large and small.

2. Individuals spend less

Consumer spending accounts for two-thirds of the U.S. economy, leading policymakers and economists to keep a close eye on any signs that people are shopping less, or shopping differently.

Common sense dictates that when individuals are worried about their jobs and investments, they spend less on everything from food, to new homes and cars, and discretionary items like travel, gifts, home furnishings, electronics and clothing.

23 sites like Craigslist to buy or sell stuff

3. Businesses cut back spending in an effort to increase or maintain profits

During a recession, the lower consumer spending means that businesses of all sizes have to find profit by lowering costs — and they already are, according to a survey by business finance software firm Ramp, released in July.

Lower business spending can impact your own company or employer if you sell to businesses. It also means that payroll expenses are at risk …

4. Hiring stops or slows, raises and bonuses are tightened

When businesses suffer lower revenues and profits, worker pay is often the first to be scrutinized. Layoffs become more common and severe, and new hires earn less than before, and raises and bonuses tighten up.

5. Governments have less tax revenue to invest in their communities

Local, state and federal governments coffers depend on income, sales, business and real estate taxes. When individuals and businesses suffer, so, too, do their governments — and the community programs they support.

6. Stock market suffers

The stock market, government debt, and home prices all continue to suffer under these economic pressures. Consumer and investor confidence waivers and the stock market goes into a dive.

You may have noticed that your retirement or investment portfolio has been up and down dramatically over the last year. If you have a large stash of cash, you may consider waiting until a drop to buy equities, or at least spread your purchases over several months to reap the benefits of cost-averaging.

How long do recessions usually last?

Molly Ward, a certified financial planner with Equitable Advisors in Houston, says there isn’t really a “typical” recession because no two are identical. 

For example, there was a two-month recession during COVID, while the longest recession since 1960 — which occurred from 2007 to 2009 — lasted about 18 months.

How to prepare for a recession: All the things you can do right now

1. Create a financial plan now

Money impacts nearly every part of our lives. When we’re stressed about finances, our families, our relationships, and even our physical wellbeing suffers. If you get on top of your finances before a recession, you can maintain power over your life. This includes:

• Budget
• Savings + investing plan
• Goals for earning more

Read: 9 ways single moms can make money and build wealth

2. Live frugally always

If you want to achieve and maintain financial stability, spending frugally is a big part of the equation. Start by tracking your usual expenses, then figure out where you can cut spending. Commit to meal planning instead of dining out, cancel recurring subscriptions you no longer use, and curb unnecessary shopping. 

These habits will serve you during any economy.

Read: Easy, affordable meal planning tips for single moms

3. Have a savings cushion and build up your emergency fund

A Federal Reserve report found that about 40 percent of Americans wouldn’t be able to cover an unexpected $400 expense. If you don’t have one, start an emergency fund so you have extra money even if you get laid off. 

A stash of $1,000 is a good place to start, and aim for at least 3 months’ regular income.

4. Sell stuff you don’t need

 

Why let your unused stuff sit in a closet when you could turn it into money? Learn more about selling through pawnbrokers and consignment shops, and sell your gold, diamonds, jewelry and silver online.

Gold hit a 1-year high on April 5, 2023, and experts expect it to rise through the year.

CashforGoldUSA.com is our No. 1 recommendation for selling gold, silver, diamonds, pearls, coins, flatware and other precious metals and gemstones.

If you want to downsize to save money, you can also sell your house for cash.

5. Get a side gig to ensure multiple streams of income

If you lose your job during a recession (or any time), it pays — literally — to have a side gig or backup job for an additional stream of income.

Check out our lists of best at-home career-level jobs, best high-paying jobs that do not require a degree and 11 business ideas for moms.

6. Prioritize and pay down debt

If you have debt from credit cards, student loans, or other expenses, consider consolidating your balances onto a 0% balance transfer credit card.

7. Avoid or delay major purchases

During a recession, there’s a greater risk that you could lose your job. That’s why it’s not smart to make major purchases or accumulate new debt you might not be able to pay off.

Instead, repair appliances and your vehicle and attempt DIY home projects over financing new ones.

8. Invest in yourself by learning recession-proof skills

The very best way to build financial security is to make sure you have a job. Here is our list of best at-home, high-paying careers, and jobs that do not require college degrees — which includes recession-friendly skills like:

Bookkeeping

Proofreading

Medical biller and coder

Coder / programmer

Already have a job? Ask for a pay raise.

9. Identify support systems/network

Devise a plan for what you’ll do and where you’ll go if you lose your job or find yourself without a place to live. 

Check out these posts for government resources and help for single moms.

Shore up your friendships and other social networks that can help you find work, resources, and share ideas for weathering the storm — not to mention get together and have fun!

How to survive a recession if you still have a job: 9 steps to take now

While in a recession, many people want to know, “What should I do during a recession?”

If you still have a job, here’s what you should do right now:

1. Have a financial plan — don’t just wing it!

Savvy Ladies is a free financial helpline that can answer questions about financial planning and connect you to financial resources.

2. Start or build an emergency fund

Make sure you have enough money saved to support yourself and your family for several months if you lose your job.

“A best practice in financial planning is to save 3 to 6 months’ worth of expenses in an emergency money account that is safe and accessible at a bank,” Ward says. 

3. Invest in training, education, networking and building your career 

Read our guides:

42 recession-proof jobs

7 recession-proof businesses 

4. Create a budget and otherwise double-down on frugality

You should also consider ways you can live more frugally and cut back on expenses. Check out our money-saving tips.

“Consider your fixed and necessary expenses and your fun and discretionary expenses,” Ward says. “Make a list of these so that you are prepared to cut back on the discretionary items if this recession causes a job loss.”

5. Manage your debt 

Read our advice on how to get out of debt, and consider refinancing your credit cards or refinance your car note — which can mean delaying auto payment for 90 days.

Can’t afford your car payment? See if you qualify to refinance for a lower payment.

Auto Credit Express is A+ rated with the Better Business Bureau:

• Average Saving:  $1,700 or $143 per month
• Minimum Credit Score: 525
• APR from 3.99%
• Loan Amounts: $5,000 – $45,000
• Vehicle Criteria: Under 10 Years/150K Miles

Get a refi quote from Auto Credit Express in 30 seconds >>

6. Delay major purchases like a car or appliance 

While job security is less stable, you don’t want to put yourself at risk of not being able to pay your mortgage or car bill. Any extra money you have should be put into a savings account. 

Think you need to replace your old car? Check out these resources for low-cost car repairs.

7. Sell unwanted and unused items to make extra money

There are lots of items around your house that could be worth money — jewelry, furniture, clothing, old appliances. Check out this post for more ideas of things to sell. 

8. Consider starting a side gig for extra income

There are lots of ways to make money on the side and even earn passive income. 

If you know your industry might be negatively impacted by a recession, Ward recommends sharpening your skills in a different field to give yourself additional options for employment.

“This could mean taking online, night or weekend education programs or pursuing extra certifications,” Ward says. Check out these quick job certifications. 

9. Create a network — personal and professional

Download an app to make friends, attend local conferences and business meetups, and try to expand your personal and professional circles. It never hurts to have more people in your corner..
If you’re a professional single mom looking for a group of like-minded women, consider joining our Millionaire Single Mom Facebook group.

Also, check out these advice from people on Reddit:

How to Survive Another Recession (Or economic downturn if that’s what we’re calling it)!
byu/CatieMacHogan inworkingmoms

How to survive a recession
byu/Individual_Data_3908 inpersonalfinance

How to survive a recession if you lost your job

If you have lost your job and don’t have a financial cushion, here is what you can do now:

• Focus on the basics: Rent, utilities, food and frugal living. Apply immediately for unemployment and other public programs. A budget is critical. Sell things you don’t need. Gold and jewelry, cars you can do without, clothes and appliances. You could also use consignment shops or pawn shops to get quick cash.
• Maintain your credit score — a low score means higher interest rates and digging yourself deeper in debt. Take steps to improve your credit: How to build your credit fast
• While you look for work, keep your skills current with online courses, a side gig.
• Take advantage of all the resources available and apply for my Single Mom Grant.

Economic recession FAQs

What happens during a recession?

This post elaborates on what you can expect to see during a recession, including that prices increase, people and businesses spend less, which leads to higher unemployment while wages stay steady. Local and federal governments have less tax revenue, so they spend less on programs and projects — and the stock market tends to decline.  

What is the difference between recession and depression?

In general, during a recession there is less economic activity. Typically, the financial pinch follows the following flow when the stock market tanks and home prices dip.

A depression is a severe and prolonged downturn in economic activity, typically defined as lasting three or more years and/or a decline in real gross domestic product (GDP) of at least 10%.

An economic depression is characterized by:

• High unemployment rate
• Low inflation — or even deflation (when the price of items goes down)
• Bear market for stock market
• Credit defaults for individuals, companies and governments
• Bankruptcies
• Less available credit
• The affluent tend to save more during a depression

Inflation and recession: Are they related?

While inflation does not directly cause a recession, steps taken to combat inflation can lead to a recession. 

Inflation is a measure of the rising cost of goods in the economy, and it is often fueled by high production costs and increased product demand. When inflation surges too quickly, the Federal Reserve might hike interest rates to slow buyer demand.

As spending decreases following a rate hike, companies respond by dropping prices and slowing production, which could lead to layoffs or salary reductions. This decline in economic activity over several months is known as a recession. 

Who does a recession impact the most?

Educate yourself about what a recession means for you — if you are affluent, have cash to invest in real estate, the stock market or faltering business, a recession can be a great opportunity to buy low, and hopefully later sell high.

For most people, a recession is a time of anxiety as they worry about losing their jobs — or face unemployment, which lasts longer than average during a recession. Prices on everyday items tend to go up, while real estate markets go down. 

Who benefits in a recession?

A recession is part of a natural, healthy cycle of an economy. Some human behavior shows improvement, including:

• People tend to save more money during a recession.
• People shop less during a recession — which is good for the environment.
• Interest rates are cut, which is great if you need to borrow money, including for a mortgage.
• Floundering businesses close, which means that stronger businesses are more likely to thrive.
• There are many financial opportunities from lower prices overall — including the opportunity to buy stocks, real estate and businesses at discounted prices.

Negative effects of a recession

Of course, there are negative effects of a recession, the most common being: 

• Higher unemployment rates
• Lower wages and salaries
• Decreased home and stock prices
• Increased government spending

How to survive a recession FAQs

Is it good to have cash in a recession?

It is always great to have cash on hand, at least a three-month emergency fund. Low interest rates on savings and money-market accounts during recessions mean that big stores of cash may be unattractive compared with other tools.

Things to buy before a recession?

Stockpiling items in a recession is a good way to save money in the long run. In general, these are some things to buy before a recession:

• Canned goods like fruits, veggies, beans, soups, broths, and meats
• Foods that can be frozen like meat and breads
• Dry goods like rice, noodles, pasta, rolled oats, and seeds (kept in a cool, dry place)
• Baking supplies like honey, flour, sugar, vanilla
• Nut butters
• Spices 
• Oils
• Paper products
• Water

Some financial advisors suggest stockpiling cash while the real estate and stock markets are in wild fluctuation. Then you can buy when markets are low. 

What should you not do in a recession?

Wondering what you should avoid during a recession? In general, here are some no-nos (but common mistakes) during a recession:

• Liquidate all your investments
• Withdraw from your 401k or other retirement accounts
• Co-sign for a loan or otherwise take on more debt than you have to
• Avoid taking too many career risks
• Business owners should avoid capital investments now

Where is the best place to put money during a recession?

Ward says there is no one best place to put money during a recession because each investment has a tradeoff. She says to ask yourself these questions: 

• Do you have adequate emergency reserves? 
• Do you have adequate insurance coverage — such as long-term care, life insurance, property and casualty, and disability insurance?  
• Do you have income from a job or are you retired? 
• What’s on the horizon — a new baby, an expensive tuition bill? 

“All of this and more must be factored in before deciding on where to put money during a recession,” Ward says. 

She says stocks have typically peaked seven months before the recession and then rebound before the recession officially ends. 

“This presents an opportunity to someone who has a financial plan that includes stocks, but it goes against what most people ‘feel’ when investing during a recession,” Ward says.

Citizenship by investment can recession-proof your future

In the face of a potential recession, having international options can be a financial safeguard. The St. Kitts Citizenship by Investment program offers a second passport, visa-free travel, and attractive tax benefits. These advantages can provide stability if your home country faces economic or social challenges. It’s a practical way to diversify not just your finances, but your life assets.

Bottom line: You can survive a recession and thrive afterward if you take action now

Most people fare OK during and after a recession. While professional opportunities are fewer, there are still ways to earn a living, grow your career and investments during a recession. An economic downturn is always an opportunity to reassess your values and align your money with your goals.

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Itching to get out of the 9-5 workforce and spend more time with your kids? Or, perhaps you’re thinking of getting pregnant and want to know how to stay home full-time with your kids.

I share why you cannot risk quitting your career, but you can still maximize time with your family and other personal priorities.

What does that mean for you? If you’re looking for a new job or starting a business you can do from home, now is a prime time to find one — or to ask your current employer if you can do some or all of your work from home. 

In this post, I’ll show you: 

“I want to be a stay-at-home mom but we can’t afford it”

How you can afford to be a stay-at-home mom

1. Budget — track spending (and cut expenses)
2. Start a flexible career you can work at home
3. Ask for a raise – and then bank it
4. Find ways to save money

Ways to make money for stay-at-home moms

• Sell things you don’t need
• Sell services
• Earn money quickly
• Start a side hustle today to make more money

Bottom line: Being a stay-at-home mom will require you to work

“I want to be a stay-at-home mom but we can’t afford it”

The argument is over: You absolutely, positively cannot afford to be a full-time stay-at-home mom.

No need to delve into arguments about personal choice or what is good for children or families. That’s all been hashed out in the mommy wars. It’s not about those issues. This is about money.

You. Cannot. Afford. To. Be. A. Fulltime. Stay-at-home-mom. You just can’t.

What’s that you say? Your husband is a banker? And your family is rich? Your spouse adores you? Doesn’t matter. It makes no financial sense for any of those 5.1 million women in the United States who are stay-at-home moms.¹ That is about one-in-five married-couple families who have decided to put their family’s futures in jeopardy.

Don’t just take it from me. I recently interviewed Joanne Cleaver, a career consultant and author of The Career Lattice.

“Stepping off the career track completely is career suicide,” Cleaver told me. “Don’t do it.”

Her reason? You will no doubt lose the momentum you’ve built, the network you accumulated, the credibility you’ve earned. But these longtime truths are accelerated in today’s tech-driven world – no matter what industry you’re in. 

“If you completely leave the workforce, when you return you’ll have to completely reinvent yourself with new skills, new credentials and a new portfolio,” Cleaver said. “You might as well start in a new career.”

These challenges translate into a tougher time getting a new gig when you want one. And once you do, you’ll earn less than if you had kept a foot in the workforce while caring for your kids. 

Researchers at the University of California Los Angeles and Oxford University found that when professional women leave the workforce for three or more years, they suffer a compensation hit of 41%.² Other research finds that stay-at-home moms are more depressed, anxious and socially isolated.³

The good news, however, is that despite the cultural and social pressure to commit endless hours to our children, kids actually don’t benefit from all those hours of helicopter parenting — and instead do best with working mothers.

However, if you plan ahead and keep a hand in the game, things might turn out differently. Of course, things don’t always happen as planned.

What happens if your husband leaves or asks for a divorce? You’ll have no income. In this post, I talk about what happens if you want to get divorced as a stay-at-home mom.

How can I afford to be a stay at home mom?

1. Budget — track spending (and cut expenses)

The first step, says Doug Carey, is to create a budget. Carey is a Chartered Financial Analyst and president and owner of WealthTrace, a consumer retirement and financial planning software company in Zionsville, In.

Carey offers the following tips:

• Use a budgeting app to track your spending. It’ll help you gauge the impact of a salary loss. It will also give you concrete data on how much money you need versus how much you want.
• Figure out how much you’ll save by staying at home. Expenses like gas money, babysitting, and clothing are likely to decrease. However, there could be new expenses such as health insurance.
• Cut back on luxury items and dining out.
• Think about downsizing your home or moving to an area with a lower cost of living.
• Think about starting a home garden to save money on groceries. Even if you live in an apartment, you can have a container garden on your balcony.

“In addition to having a budget, it could be a very good idea to hire a financial coaching or planning service to keep you on track,” Carey advises. “By seeing how your finances look in the future, it will help you get your arms around the situation better.”

In short, create a tight budget, crunch the numbers, and be realistic about what you can afford. If the numbers don’t support your decision to be a stay-at-home mom, make a plan to get there by exploring new opportunities to earn extra income.

After all, spending quality time with your children is worth the fight to make this happen.

You Need a Budget is a spreadsheet-based app that helps you pay off debt, create a budget and set and reach all your money goals.

2. Start a flexible career you can work at home

Ask yourself: How can you keep a foot – toe, knuckle, nail – in your industry while still giving your children the time you feel they deserve? Brainstorm, ask colleagues and mentors for advice, and get creative to make sure you remain relevant. You can’t afford not to. 

Start here:

20 of the best jobs for stay-at-home moms

29 jobs for single moms: Best high-paying jobs this year

Do not aim just to pay the bills and get by, but focus on a longer-term career, advancement and the education and skills you need to get there.

For moms aiming for leadership roles or a career pivot without stepping out of the workforce, an online MBA can be a high-ROI path. Programs like the Baylor MBA Program offer flexible, accelerated coursework you can complete from home, building skills in strategy, finance, and analytics while you keep working and parenting. An MBA can open doors to remote-friendly management, product, and operations roles—and significantly boost lifetime earnings—while preserving the schedule control you need right now

There are countless ways moms can earn a high income, from home, with legitimate, flexible careers — many of which earn $100,000 or more. 

Our Top 2, highly paid work at-home careers, without degrees are:

Proofreader. If you’re great with words, detail and grammar, you may also be interested in a proofreading career, which can pay $15-$30 hour from home, on your schedule.

Bookkeepers. Bookkeepers can earn a salary, or build a business earning $75+/ hour, which can be more than $100,000 per year. Entry-level bookkeeper jobs can pay $20/hour.

Bookkeeper Launch is the top-rated online video course to help you start and run a successful, 6-figure bookkeeping business.

3. Ask for a raise – and then bank it

The fastest, surest way to make more money is to ask for a raise and/or promotion. But make sure you have a plan for that extra money ahead of time. More money often leads to more spending if you’re not committed to a strict budget. 

One easy way to save is to open a savings account and set up an automatic withdrawal from your checking to your savings. Once you calculate your after-tax raise, send that amount directly to a savings account and don’t touch it. You can also invest it and build wealth. 

You might be surprised how fast it adds up. You can use the money for an emergency fund if you don’t already have one.

Here is expert advice (with videos!) about asking for that raise.

4. Find ways to save money

Living within your budget — even a reduced budget — will help you feel less stressed and more focused on making wise investments in your career and time:

Shop around for insurance rates

Compare rates among different companies for auto insurance, homeowner’s insurance, and other insurance products you buy.

Refinance your car

If you have a decent credit score, you may be able to refinance your car for a lower payment, and skip payments for 90 days.

Can’t afford your car payment? See if you qualify to refinance for a lower payment.

Auto Credit Express is A+ rated with the Better Business Bureau:

• Average Saving:  $1,700 or $143 per month
• Minimum Credit Score: 525
• APR from 3.99%
• Loan Amounts: $5,000 – $45,000
• Vehicle Criteria: Under 10 Years/150K Miles

Get a refi quote from Auto Credit Express in 30 seconds >>

Transfer your debt to 0% credit card

Be sure to keep an eye on your credit score. If you carry a credit card balance, see if you qualify for a 0% balance transfer credit card, and save thousands of dollars in interest each year — or at leaset transfer to a lower-interest loan and pay off your debt.

Meal plan

One easy way to overspend is to avoid meal planning — and rely on take-out, restaurants and prepared meals at the grocery store. These are less healthy, and more expensive than cooking from scratch. Get some ideas for meal kits, meal planning and other ways to save on food for your family.

How to make money as a stay-at-home mom

No matter how much income you bring in every month, most moms feel they could use a little more cash. Or, a LOT more cash. Most of us could use more spending money, you have investing goals or college tuition to save for.

One of the best things about being alive today, is there are more ways to make money than ever these days. The internet is a treasure trove when it comes to making money.

Here are ways stay at home moms make money:

Sell things you don’t need

Instead of going straight to MLM programs, sell items you already have (think old clothes, electronics, household items) online through craigslist.com, eBay.com, or Facebook Marketplace.

Online resale and consignment sites like Mercari and Poshmark and ebay make it easy to turn this concept into a business.

Check out 10 business ideas for moms.

Sell services

You can also earn money selling your talents and abilities in the form of a service. You could mow lawns, clean houses, help people with bookkeeping, or teach piano lessons, for example.

Another mom-friendly service business is mobile spray tanning. You can book clients in the evenings or during nap-times, work from home or travel locally, and start quickly with beginner spray tan kits that bundle a pro machine, solutions, and training resources. If you enjoy beauty and appointment-based work, spray tan services can fit around childcare and grow from a side hustle to a studio as you build repeat clients before big events, vacations, and photo shoots.

Freelance and online businesses

Selling your skills is one of the most sustainable ways to make money online, and can grow into a full-time career, or even a scalable business. This is how Wealthysinglemommy.com founder Emma Johnson started — by freelance writing, and then by starting a blog.

One of the best ways to start growing an online service-based business is with freelancing gigs.

The benefits of freelancing, opposed to having a j-o-b, is that rather than following someone else’s rules as an employee, you have control over your schedule and the work you do.

Popular freelance gigs and careers include freelance copywriting, grant writing, and virtual bookkeeping.

Most types of freelancing don’t require any formal education. You don’t need an English degree to be a successful freelance writer. And if you can answer emails, manage social media, or do other administrative tasks, the role of virtual assistant could be perfect for you.

There are also excellent online courses that can help you learn the basic skills to launch your new career, plus support for finding clients. Bookkeeper Business Launch is a popular first step for many successful freelance, work-at-home bookkeepers who can earn multiple six-figures.

Coding, or programming, is a high-demand, highly paid industry that is especially short of female workers. This work can be done remotely, online.

Don’t panic if you can’t write code. There are many online resources for how to get started, as well as online communities of other coders from whom you can learn.

Earn money quickly

If your goal is making money in a hurry, you need to find ways that don’t require long waiting periods or a bunch of hoops to jump through. Here are some of the best ways to earn money in a hurry:

• Sell jewelry you no longer wear
• Sell your gently used clothing on ThredUp.com

If you need to earn more money than you’re making now, you may face an even bigger challenge than many working moms: How can you possibly increase your earnings when you have so little free time already?

Start a side hustle today to make more money

Finally, don’t forget the prospect of starting a side hustle — or a temporary job you can take on in addition to your full-time work. Side hustles look different for everyone, but they can include concepts like driving for Uber or Lyft, babysitting kids, painting houses, mowing lawns, and more. 

If painting houses is your go-to side gig, consider leveling it up into a real micro-business. With modern tools for painting job management, you can send on-the-spot estimates, schedule crews, route jobs, and invoice from your phone—while keeping customer info, photos, and signatures in one place. Features like online payments and QuickBooks syncing help cash flow and bookkeeping, so you spend less time chasing checks and more time with your kids.

Online side hustles include some of the ideas we’ve mentioned already — jobs like tutoring or finding online freelance bookkeeping work.

Some side hustles you can do from home also overlap; for example, you can work as a virtual assistant or freelance writer online and from your couch, just like you can write freelance articles anywhere with an internet connection. You can also make money testing products at home.

Maybe you need a little extra cash (or a lot – hello, savings account!), maybe you’re bored with your current career, or you want to safeguard yourself against a recession or an industry crash by having a fall-back plan. Or maybe you’re interested in pursuing your passion project, but you’re not quite ready to make the leap into full-time business ownership. Whatever your reason is, you NEED a side hustle.

The good news is there are many jobs you can do from home. Many of them can be done with just a laptop and an internet connection. If you need job training, you can find free and affordable courses online through sites like Udemy and Coursera.

Bottom line: Being a stay-at-home mom will require you to work

The fact that the majority of moms today will be an unpartnered mother, and divorce rates still stand at around 50%, only underscores why all women must prioritize their careers, earnings and future investments.

Many stay-at-home moms take on a part-time job or side gig to keep cash flowing and to keep a foot in the professional world. 

If you have no income (or not enough income), apply for recession-proof jobs to establish financial stability initially. Long-term, it’s important to keep your eyes open for jobs that align with your interests so you can build a fulfilling career on your own terms.  

If you already have a full-time job, be open to working outside of your home until you can establish financial stability, but give thought to lucrative side hustles that could turn into a full-time business — giving you the necessary cash flow to stay at home.

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SOURCES

1. “Stay-at-home moms and dads account for about one-in-five U.S. parents,” by Gretch Livingston, Pew Resarch Center, Sept. 24, 2018 https://www.pewresearch.org/short-reads/2018/09/24/stay-at-home-moms-and-dads-account-for-about-one-in-five-u-s-parents
2. Kahn, J.R., García-Manglano, J. and Bianchi, S.M. (2014), The Motherhood Penalty at Midlife: Long-Term Effects of Children on Women’s Careers. Fam Relat, 76: 56-72. https://doi.org/10.1111/jomf.12086
3. “Stay-at-Home Moms Report More Depression, Sadness, Anger,” by Elizabeth Mendes, Lydia Saad and Kyley McGeeney, Gallup May 18, 2012 https://news.gallup.com/poll/154685/stay-home-moms-report-depression-sadness-anger.aspx