I make more money from my side hustles than my six-figure software engineering job. Here's how I build and manage my income streams.

• Ritesh Verma earns almost $15,000 monthly from side hustles alongside his Capital One job.
• Verma's side hustles include AI agents, YouTube, mentorship, and software services.
• He uses automation to work on multiple projects at once and earn more money.

This as-told-to essay is based on a conversation with Ritesh Verma, 23, a software engineer in Jersey City. It's been edited for length and clarity.

After graduating from college in 2023, I was hired as a software engineer at Capital One with a $136,000 base salary, but it's not my largest source of income.

I've been building side hustles for years, and they now earn me almost $15,000 a month.

When I got hired at Capital One, I was worried about a full-time job disrupting my side hustles, but I've created a system that makes it manageable. Here's how I stay on top of my work and why I won't take my side hustles full-time — yet.

AI agents are my main side hustle

In late 2019, a friend of mine asked me to code a purchasing bot to help him buy and resell sneakers. I had no idea what bots, or AI agents, were, but I agreed and spent over six months teaching myself how to make software programs that perform tasks.

In 2022, I decided to post a YouTube tutorial on how to create a simple bot, and it got 200,000 views. A man saw my video and asked me to make him a purchasing agent for high-end golf clubs. I accepted the offer and made $600 every time I got him a golf club. Suddenly I was earning $1,800 a month.

Word spread, and I started getting more clients in the golf club collection space and other niche communities. I built purchasing bots for anything from hats to wine bottles to baby clothes.

I didn't want to be known as just the bot guy, so I started building services and tools as well. I built a scheduling bot that helps shift-based workers, such as servers, in the Nevada area snag competitive shifts.

I started using Reddit to find clientele

Early last year, I watched a YouTube video where the creator described how he used Reddit to grow his startup. I decided to give it a try.

I made a Reddit post saying, "I suck at getting these shifts, and I need help. Does anyone else relate?" Then I DMed the roughly 20 commenters who sympathized and pitched them my tool. I got eight of my clients from Reddit and now make about $9,000 monthly from it.

I also trained AI assistants to make Reddit posts for me, advertising my services and sending potential clients my phone number.

Reddit takes my posts down because they're promotional, but within 30 minutes of them being up, I'll usually have several people in my DMs. I've been kicked off Reddit and had to make multiple accounts, but it's all part of the process, and I think it's worth it.

I also have less lucrative side hustles

1. YouTube: I use my YouTube channel to gain clientele and as a side hustle. I get ad revenue from videos, and in one month, I made $1,400 from three sponsors.
2. Mentorship program: I also started a six-week mentorship program where I teach others how to code bots. For $3,000 in any given month, usually, two to three students get bi-weekly meetings to discuss assigned projects and learn concepts.

3. SaaS products: In 2024, I launched two SaaS products, which are basically just more conventional software engineering services. One is Instagram outreach software, which earns me $900 a month. My other SaaS product, which allows people to put Instagram reels on their website, has yet to turn a profit.

How I manage my side hustle and 9-to-5

My secret to success is working on several projects at once. I can stay on top of so many because it's highly automated.

I might spend 20 hours building a new AI agent or project, but after that, my weekly commitment might only be two hours. I also might spend a few additional hours getting clients or troubleshooting, but the hard work is done.

My Capital One job is a hybrid 9-to-5 with two days in the office each week. After work, I eat and have a four-hour deep work session where I focus on my side hustles. I also work a few hours each day of the weekend.

It's a lot of work, but I find it fun. I also make sure to have time for myself. A few friends and I travel every three months. In 2024, I spent a total of a month overseas in places like Brazil, Japan, and Italy, doing no work. Those trips are a good sanity check and keep me looking forward to something.

I won't leave my full-time job until I meet a specific metric

A mentee asked me why I don't leave my full-time job, and I told him I don't feel like it's taking up space.

I've probably tried 15 projects recently, and most fail. I give every project a month or two of serious dedication before deciding if it's worth continuing. Sometimes, the project is just too hard, and growing it is a pain.

Other times, I just lose the spark of the idea. In those cases, I'll put it on a major backburner or ask a mentee if they'd like to take responsibility for equity in the product.

Plus, I'm following a rule that I won't leave my full-time job until I make three times my Capital One base salary from my side businesses. Once I achieve that, I'll drop it. That's the goal.

If you make six figures from a side hustle and would like to share your story, please email Manseen Logan at mlogan@businessinsider.com.