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Nearly 40% of Americans now have a “side hustle” or outside source of income beyond their day job, according to one recent survey, and many more are at least contemplating the possibility. Indeed, a Deloitte survey of millennial and Gen Z workers showed that nearly two-thirds of respondents would consider a side gig to supplement their full-time work.

But there’s often a gap between ideation and action. Many professionals who are interested in developing a side income stream find themselves procrastinating.