How to Build a Backup Plan When You’re on Benefits

Don’t get stuck without an extra income stream

Photo by on

Let’s get one thing straight: I’m grateful for my benefits. Social Security and my federal retirement help keep the lights on, meds in the cabinet, and snacks in the drawer (you know I need my snacks). But deep down, I know it’s not enough.

I’ve still got dreams. I’ve still got bills. And I’ve still got a whole lot of life left to live.

That’s why I’m building a backup plan.

Side Hustles That Make Sense (Even When You’re Tired)

If you’re living on benefits, the thought of taking on anything extra can feel overwhelming. But here’s the secret: you don’t have to do everything — just something that fits your skills, your pace, and your reality.

Here are a few income streams that make sense, especially if you’re working with limited mobility or energy:

✍🏾 Writing

Got stories to tell? Tips to share? Writing can bring in extra income through blogging, ghostwriting, self-publishing, or even running a Substack like I do. Start where you are.

💼 Bookkeeping