According to the latest Bankrate Side Hustle Survey, 49% of Americans under age 35 have a side hustle. That means if you’re left wondering how your peers afford the lavish trips they post on Instagram, we’re here to tell you.

Starting a side hustle doesn’t come easy (or everyone would be rich, right?). But don’t let that stop you. At Kroma we’ve put together five tips to help you overcome the worrisome obstacles and start making serious money today.

Download your guide today.