38% of Americans have taken on jobs to cover debts — how the rise of the reluctant hustler is rewiring careers

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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};be("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat(Vn)),notifLabel:document.querySelector(".".concat($n))};t.notifDropdown&&ro(e,t)}))}()}};]]>Vawn HimmelsbachSun, Jul 20, 2025, 2:00 PM 5 min readWith consumer household debt hitting record highs, more Americans are picking up extra work to cover bills and becoming reluctant hustlers.A new survey from AI-powered career platform Zety found that 38% of respondents have taken on side gigs or second jobs to make extra money and keep up with their debt. The online poll of 1,005 U.S. employees was conducted by Pollfish.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howI'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast)Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do itNot one respondent reported being debt-free. In fact, 43% said they’re carrying more than $25,000 in debt, and one in five said they owe at least $100,000.That’s why some Americans are “taking on side jobs for extra cash, accepting roles they don’t want, and making urgent trade-offs to manage their financial obligations in an increasingly volatile economy,” according to the report.This trend lines up with other data about the labour market. The number of Americans holding multiple jobs steadily increased from 2010 to 2020, according to the Federal Reserve Bank of St. Louis. After a dip during the pandemic, those numbers have bounced back to record levels.And this rise in side hustles isn’t slowing down. A Harris Poll for the American Staffing Association (ASA) found that more than six in 10 employed U.S. adults say they’re likely to pick up extra work in the next year.”“For growing numbers of Americans, a side hustle can be a good way to build savings, pay off debt, find a new job, or change careers. However, for others, a side hustle means having enough money to make ends meet,” said Richard Wahlquist, CEO of ASA, in a release. “With economic uncertainty dominating the headlines, it’s not surprising to see Americans looking for ways to create some breathing room in their budgets.”Zety’s survey also found that most respondents are shifting their financial habits to manage debt and prepare for potential fallout from U.S. policy changes. Nearly four in five (78%) believe tariffs will make it harder to repay or avoid debt.To cope, 38% said they’ve cut back on non-essential spending and 25% have increased their minimum payments. Others reported transferring balances (13%), delaying repayment (14%), consolidating debt (8%), refinancing (5%), seeking financial counseling (5%) or negotiating with lenders (4%).Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,305.60 +8.81 (+0.14%)Dow 3044,323.07 -19.12 (-0.04%)Nasdaq20,974.17 +78.52 (+0.38%)Russell 20002,231.13 -8.87 (-0.40%)VIX16.65 +0.24 (+1.46%)Gold3,410.80 +52.50 (+1.56%)PortfolioSign in to access your portfolioSign inTop gainersSTEM Stem, Inc. 16.64 +3.14 (+23.26%)ALAB Astera Labs, Inc. 121.89 +19.76 (+19.35%)CLF Cleveland-Cliffs Inc. 10.66 +1.18 (+12.45%)S SentinelOne, Inc. 19.78 +1.77 (+9.83%)RXRX Recursion Pharmaceuticals, Inc. 6.40 +0.56 (+9.59%)Top losersQS QuantumScape Corporation 12.52 -2.12 (-14.48%)BRKR Bruker Corporation 35.64 -4.92 (-12.12%)ACHR Archer Aviation Inc. 11.85 -1.44 (-10.84%)NEGG Newegg Commerce, Inc. 26.34 -3.21 (-10.86%)AR Antero Resources Corporation 32.51 -3.80 (-10.47%)Most activeOPEN Opendoor Technologies Inc. 3.2100 +0.9600 (+42.67%)LCID Lucid Group, Inc. 2.8200 -0.2200 (-7.24%)QS QuantumScape Corporation 12.52 -2.12 (-14.48%)RIOT Riot Platforms, Inc. 14.02 +0.16 (+1.15%)NVDA NVIDIA Corporation 171.38 -1.03 (-0.60%)Earnings eventsTrending tickersOPEN Opendoor Technologies Inc. 3.2100 +0.9600 (+42.67%)VZ Verizon Communications Inc. 42.49 +1.65 (+4.04%)ACHR Archer Aviation Inc. 11.85 -1.44 (-10.84%)GOOG Alphabet Inc. 191.15 +5.21 (+2.80%)S SentinelOne, Inc. 19.78 +1.77 (+9.83%)Top economic events