EP 538 8 Side Hustles Replacing 9-to-5 Jobs in 2026: Top Online Opportunities for Digital Entrepreneurs

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These eight side hustles are
replacing nine to five jobs in 2026.

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I want you to picture this.

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You're scrolling through your
bank account at 2:00 AM and you're

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doing the math like we all do.

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Rent, groceries, car payment, kids
activities, maybe have a vacation

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you're playing for, and you realize
your paycheck is not stretch.

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Like it used to.

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What if I told you that while
you're lying around worried about

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money, there are eight specific side
hustles in 2026 that are generating

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up to six figures of income.

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Yeah.

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Not the typical deliver food
for beer, money hustles.

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I'm talking about legitimate income
streams that could completely replace

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your day job if you wanted to.

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And here's the kicker.

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72% of Gen Z is already out there doing
this, while most parents are still playing

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it safe with jobs that can't keep up.

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Inflation.

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What is up?

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What is up?

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What the hell is up?

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My dark horse, friends and family.

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Welcome back to another episode of the
Dark Horse Entrepreneur AI Escape Plan,

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where we break free from the grind,
share some ai, AI powered tips and

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sight hustle strategies, and support
my amazing parents out there chasing

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freedom, like modern day trailblazers.

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And if you know someone who's dreaming
of ditching the grind, but still makes

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time for bedtime stories and cuddle time.

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Please go ahead and forward
this episode to them.

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So we're talking about why traditional
jobs are failing my parents out

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there and what's actually working.

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So in today's episode, I'm gonna be
talking about $674 billion shift.

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Why the gig economy just
isn't a trend anymore.

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It's survival and how 87 million
Americans will be freelancing.

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By 2027, we're also gonna talk
about the AI automation goal.

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Mine.

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How parents with zero coding
experience are charging $200 per

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hour for 10 minute Chat, GPT setups
that businesses desperately need,

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and the eight income streams from
digital products to trade skills.

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The specific side hustles generating
real money while traditional

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paychecks seem to be shrinking.

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Okay, so let's get this straight right
from the start, the side hustle economy.

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I don't think it's a backup plan anymore.

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I think it's really become becoming
the foundation of American work almost.

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Let's say it's, we're going back to that.

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'cause if we think about the past
people were doing their own things

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in their homes and selling their
wares, and selling their services and

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selling their goods back in the day.

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Then we shifted into this
industrial age, then we shifted

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into the corporate America age.

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I think it's coming full circle, and if
you're still betting everything on your

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employer's loyalty, I think you're playing
a game that's pretty much already over.

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Here's what no one wants to admit.

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95% of workers say their income has
not kept up with the cost of living.

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And I've been saying that a
lot, especially over the past,

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I don't know, decade or so.

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When one in four adults is already
running a side business and 72% of

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Gen Z is hustling in their spare time,
building multiple income streams,

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that is not just smart, it's survival.

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So.

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Let me tell you about
Carter Osborne in 2017.

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He was just, another
guy, was a side hustle.

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He was tutoring kids
after his day job in pr.

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Doesn't fancy nothing revolutionary,
just helping students with their

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homework for a few extra bucks.

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We all, we all know these
stories, but here's where it

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gets a little bit interesting.

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In 2024, quit his PR director
position to run Carter Osborne

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tutoring full-time, his income.

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$20,000 working just 10 hours per week.

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Now, I know what you might think.

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Great story, Tracy, but I'm not a tutor.

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I get it.

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Here's the twist.

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Most of Carter's income didn't
come from tutoring anyone.

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It came from digital products he created
around his tutoring experience, templates,

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courses, systems, things that he built
once and then continues to sell forever.

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That $27 Google Doc with his
newsletter growth system.

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Yeah, it made $800 in the first week.

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That $800 proved two things to him.

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People pay for solutions to
their problems, and you don't

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need thousands of subscribers.

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To make money.

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Make, yeah.

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This is what I mean when I say
the game has completely changed.

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Carter didn't just find a side hustle.

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He found a way to package his knowledge
into income streams that work while

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he's not working, while he's asleep.

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You feel me?

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Okay, so let's talk about the
eight side hustles that actually

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pay one AI automation services.

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This is the $200 an hour opportunity.

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You could say this isn't
about becoming a programmer.

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No, no, no.

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I've done the programming
thing way back in the day.

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You have to have a a pension for it
and you really gotta love doing it.

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I loved doing it.

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I think this is more about
connecting no code platforms.

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Like Zapier or make.com or any of
N or anything that's out there with

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AI, tools like Chat, GPT, or Cloud or
Gemini, to solve real business problems.

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In January, 2026, a wellness
studio owner in Austin paid $400 a

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month for a chat GBT booking bot.

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The person who built.

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Had zero coding experience and
took 10 minutes to create it.

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Here's what you're actually doing here.

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You are connecting lead capture
forms to automated email responses.

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You are setting up customer
service chat bots that never sleep.

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You're setting up automated
social media posting schedules.

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You are managing sales
inboxes that respond.

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Instantly the numbers freelancers
from Upwork and Fiverr charge $60

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to $200 per hour for this work, full
projects range from $2,000 to $15,000,

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depending on the depth and scope.

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One person.

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Completed six gigs in January and made
$780 in roughly 10 to 15 hours total.

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Your startup costs on this one,
well chat, GPT plus, that's 20

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bucks a month, plus go high level.

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That's 97 bucks a month.

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That's $117 to get started.

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Side hustle.

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Number two, this is
experience-based consulting.

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This is where you're gonna
package your expertise.

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And if you've ever worked
anywhere for more than say, five

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years, you have experienced it.

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Uh, someone out there will pay for,
companies want seasoned counsel,

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seasoned, seasoned consultants, but
they don't want all the overhead.

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The key here is specificity.

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You don't wanna call yourself
just a business consultant.

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You wanna call yourself.

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A customer retention specialist for
SaaS companies or a supply chain

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optimizer for e-commerce brands.

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You see what I'm saying?

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You wanna get really
specific in what it is.

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You are gonna be delivering the
rates for this $75 to $150 per hour.

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For specialized knowledge in late career
professionals are crushing it in this

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arena because they can offer battle tested
solutions from corporate America, not

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just theoretical knowledge from a book.

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You feel me?

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Okay.

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Side hustle.

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Number three, digital products.

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Now, we've talked about this
one a lot here on this podcast,

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but we wanna dive into it.

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Again, this is a 90% profit
margin business, and I think this

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is where the real money lives.

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Digital products, like I just
said, have a 90% profit margin.

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After all the fees are taken out, right?

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You create it once and
you sell it forever.

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The e-learning market is
exploding towards $370 billion.

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I think it's gonna hit
that this year in 2026.

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And here's what separates
the winners from the losers.

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You're not just selling information,
you are really selling transformation.

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You wanna sell your courses on
platforms like a teachable sync effect.

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You can sell templates on Etsy
or your own Shopify store.

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You can do digital downloads.

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Through platforms like Gumroad, you
can set your own WordPress website up.

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There's all kinds of modules
out there that help you do that.

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Some of the popular niches out
there include notion templates,

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Canva, design bundles, and
specialized business templates.

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I even seen some on, uh, Excel
spreadsheets, specialized

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Excel spreadsheets.

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The earnings range on this
one, I don't know, a a thousand

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dollars to $50,000 a month.

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Yeah, that's pretty decent, right?

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But it really all depends on
your niche and how well you

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solve very specific problems.

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Side hustle.

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Number four, specialized tutoring.

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This is the $1,000 an hour sweet spot.

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The online tutoring market hit 10 billion
in 2024, and I think it's racing towards

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a 23 billion maybe to 27 billion mark.

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By 2030.

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That's 14.5 annual growth.

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That's just how much it's growing.

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So based on that, I think it's
gonna be here for a while and it

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keeps gaining steam, so to speak.

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Even Minkin charges up to a
thousand dollars per hour as

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a private tutor working 20, 25
hours per week from his home.

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Carter Osborne, we mentioned earlier,
averages a thousand dollars for an hour

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for a college essay consulting, right?

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Platforms.

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Well, there's I talkie for
language learning, replay

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for conversational practice.

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Eant.

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For academic students language
tutors earn 30 to $60 an hour.

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Test prep specialists, like I mentioned
here just a minute ago, they earn.

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Even more so there's a wide range of
things going out there, and there's,

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you know, let's, let's be honest here.

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There's a whole range of
tutoring opportunities.

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Let's say you are a, uh,
here, let's go crazy.

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Let you are a prepper and you want
to teach other folks how to prepare

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for disasters or prepare for a power
outage or prepare for anything.

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Well, that's an e-learning
opportunity that you could teach.

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Oh, and by the way, you can also create
some digital products to go with it.

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So now you can start stacking
these things together.

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Alright, so side hustle,
opportunity number five, UGC,

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user generated content creation.

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I think this is the
authentic advantage here.

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Kelly Rockline turned UGC into a six
figure business while still holding.

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A full-time corporate job.

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And here's the thing, you don't need
millions upon millions of followers.

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Here's what you're gonna do.

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You're gonna create some authentic
looking videos, photos, and

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testimonials for brands through
platforms out there like Billow,

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B-I-L-L-O, incense and hashtag paid.

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These are platforms that
pay UGC video creators.

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They go out and find the jobs for
you and they send them to you.

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Okay?

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The pay here could be, I don't know,
200 bucks to 500 bucks per video.

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Often they'll ask you to produce
multiple pieces per brand.

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Social media management itself is
crossing 50 bucks an hour once you

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provide someone with some ROI side hustle.

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Opportunity number six, skilled trades.

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This is AI proof income.

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While everyone out there is worrying about
AI taking their jobs, and we've talked

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about this a few times on this podcast.

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Ai.

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Well, AI can't fix a sink.

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AI can't build a deck, and AI certainly
is not going to install your AC unit.

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Folks like Marissa Risin in
Denver earns $4,400 monthly.

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Through a platform called TaskRabbit
and another one called Thumbtack

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Take Emily Rodriguez out in Phoenix.

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She started electrical work part-time
and now charges 150 bucks an hour

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for smart home installations.

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Trition earn nearly 30 bucks an
hour according to the data I've

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read, but independent contractors.

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They charge more up to 300 bucks
an hour because they're usually

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doing very specialized work.

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Alright.

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I have a friend, actually
it's my daughter's friend, but

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we've become friends together.

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He went through electric trade school.

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He makes a pretty decent living at it.

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Okay, so side hustle, opportunity
number seven, content creation.

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And what are we doing here?

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Podcasting.

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This is like anonymous income here.

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Gina, I wanna say this name right?

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Sarah.

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Sarah Swattie.

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Gina Sara Swati Cook's podcast production
agency brings in about $50,000 a month

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and has doubled its revenue almost
every year since she opened the doors.

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Here's the 2026 twist on this, though.

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You don't need to be the face of
your content creators out there.

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They're going to use AI like 11 Labs.

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They're gonna use video editing our
platforms like Runway and Chat, GBT

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to create scripts to run anonymous
YouTube channels that generate.

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Passive income.

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As long as you're delivering
clear value, that's not the same

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thing every single time you do it.

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Right?

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We've seen those.

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Long as you keep creating
content that delivers value.

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You know, you could use 11 labs for
the voice and video editing a runway.

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You could even use, uh, what is.

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Cap cut.

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That's what it is.

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And then chat, GBT to create
those scripts for you.

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You can generate some income.

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The here for some of the top podcasters,
uh, $30,000 to a hundred thousand

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dollars through ads and sponsorship,
and also creating additional premium

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content depending on the topic now.

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And last but not least, side hustle.

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Opportunity number eight.

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Remote healthcare support.

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Yeah, this is a 70%
growth opportunity here.

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Medical coding, patient scheduling,
telehealth support, uh, grew

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what, 70%, uh, year over year.

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Right.

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Medical coders earn an
average of nearly 40 bucks.

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An hour, and I know one of my
first independent programming jobs

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was for a, a medical provider.

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And, uh, this is a big opportunity.

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You could, you could step into it.

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There, there is a barrier to entry
and it's lower than you think.

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Certificate.

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There are certifications out there
that require a little attention to

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detail and some organizational skills,
but you don't need a medical degree.

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Just something to think about.

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Okay.

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Now I know this might feel
a little overwhelming here.

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I'm going to, I'm dumping on you eight
different paths, each one with their

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own learning curve, each one with
its own starting requirements and

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own, you know, revenue opportunities.

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But here's what I want you to understand.

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You don't need to master all eight.

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You just need to pick one that matches
your current skills, matches your

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available time, matches your available
resources, and matches, matches

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what it is you're interested in.

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Remember, when you're earning 10 99
income from side hustles, you will

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need to, uh, handle your quarterly
estimated taxes and consider forming

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an LLC if you're scaled to, if you
want to scale towards full-time.

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But.

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Don't let that stop you.

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And if you're ready to stop trading hours
for dollars and start building income

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streams that work within your family
schedule, I have something for you.

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The AI Escape Plan Newsletter
is specifically designed for my

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parents who are ready to break
free from the nine to five grind.

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And each issue delivers practical AI
powered strategies to start and grow

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and streamline your side hustles.

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And they're all designed in a way
to protect your family time while

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they still boost your income.

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You can call it your roadmap
to more money, more freedom,

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and more of what truly matters.

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The side hustle economy of 2026, I
don't think it's about desperation.

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I think it's an opportunity
for self-employment.

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Why does this matter, Tracy?

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Well, I think we're not just
witnessing a shift in how people work.

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I think we were watching the
complete transformation of

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what work means in America.

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I remember I mentioned that earlier, how
I thought it's coming full circle and when

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nearly half the workforce will be doing
freelancing within the next year or so.

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The question isn't whether you
should start a side hustle.

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The question is, which one matches
your skills, matches your schedule,

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and matches your financial income?

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And another question I think that we need
to be answering is what bigger paradigm

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is All of this a part of, and I think
this is about the death of the industrial

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employment model and the birth or rebirth.

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Of the portfolio career, your parents'
generation, your grandparents' generation,

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00:14:13,726 --> 00:14:17,560
my parents' generation, they could
rely on one employer for 30 years.

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That world, I think that world's
completely gone and I don't see

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it coming back anytime soon.

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The new world, it rewards people who
want to create value independently.

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Who want to adapt quickly and who
want to understand that security comes

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from diversification, not dependence.

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Yeah.

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Yeah.

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You don't wanna be dependent
on some boss out there.

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The global gig economy just
hit $674 billion in 2026.

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By 2027, I think 87 million Americans
will probably be freelancing.

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That's not just coming.

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I think that's here.

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We've seen the numbers.

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Some of you have watched it happen.

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Maybe your kids are involved in
it, and the parents who recognize

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00:14:57,626 --> 00:15:01,069
this shift early enough, yet you're
going to be the ones who thrive.

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While everyone else is out
there struggling to catch up.

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So given all that, here's your
whisker wisdom for this week.

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There are no prerequisites to
starting a successful side hustle.

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Nope.

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00:15:11,904 --> 00:15:14,460
Carter Osborne that we talked
about earlier, he studied public

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00:15:14,460 --> 00:15:17,852
policy in college and he never
dreamed of starting a business.

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00:15:17,982 --> 00:15:21,478
There's no such thing as a type
of person who becomes a successful

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00:15:21,478 --> 00:15:22,626
business owner, given that.

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Here's your specific action for this week.

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I want you to pick one of the
eight side hustles and spend, I

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00:15:29,017 --> 00:15:31,052
don't know, 30 minutes researching.

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00:15:31,747 --> 00:15:32,530
Your first step.

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00:15:32,895 --> 00:15:34,278
I don't want you to overthink it.

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Just research that very
first step, whatever it is.

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00:15:37,226 --> 00:15:39,704
If it's an AI automation,
sign up for chat gbt.

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00:15:39,704 --> 00:15:43,930
Plus, if it's consulting, write down
three specific problems that you've

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00:15:43,930 --> 00:15:46,747
solved in your current job that
you could solve for someone else.

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00:15:46,956 --> 00:15:49,826
If it's digital products,
identify one thing that you

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00:15:49,826 --> 00:15:51,365
know others are struggling with.

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00:15:51,417 --> 00:15:54,104
A pain point that you could
solve with your digital product.

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00:15:54,234 --> 00:15:56,556
The side hustle economy,
it's no longer coming.

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00:15:56,660 --> 00:15:57,286
It's here.

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00:15:57,730 --> 00:16:00,652
In and it's waiting for you
to claim your piece of it.

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00:16:00,756 --> 00:16:04,982
It's waiting for you to go out there like
far and away, Tom Cruise and Nicole Kidman

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00:16:04,982 --> 00:16:08,791
far away, and slam that stake in the
ground and say, this is my piece of land.

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Remember, most side hustles
require more upfront work.

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00:16:12,373 --> 00:16:15,817
And anyone wants to admit the passive
ones, they aren't passive at all

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00:16:15,817 --> 00:16:20,382
initially, but here's what separates
2026 from all the previous years,

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00:16:20,513 --> 00:16:24,504
the infrastructure has never been
more robust than it is right now.

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00:16:24,713 --> 00:16:26,839
The tools that used to
require technical experience.

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Are now available to everyone.

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You included, the global marketplace
means your skills aren't limited

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00:16:32,647 --> 00:16:35,778
to just your city or just your
state, or even just your country.

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00:16:35,882 --> 00:16:38,778
One person tested 10 different
side hustles over eight

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00:16:38,778 --> 00:16:41,700
months and earned $3,200.

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00:16:41,700 --> 00:16:44,413
Doing it an average of 400 bucks a month.

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That's, that's certainly not life-changing
money, but it's enough to stop making

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it feel like you are one bad week.

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00:16:50,895 --> 00:16:52,382
Away from a financial disaster.

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00:16:52,565 --> 00:16:55,643
The eight opportunities we've
covered, I think they represent the

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highest earning potential in 2026.

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00:16:58,173 --> 00:17:00,860
And on your job, your job
isn't to master them all.

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Your job is to pick one and to start.

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00:17:03,365 --> 00:17:05,765
And with that, I'm gonna leave
you as I always do, think

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successfully and take action.