Lucy Zheng has a full-time job as a senior corporate counsel at a tech company, but it’s only one piece of her family’s income.

The San Francisco mother of three’s household has 10 income streams, including her W-2 pay, her husband’s business, out-of-state rental properties, options trading, dividend and interest income, and five revenue channels tied to her social-media business .

Zheng began looking for ways to earn outside her day job shortly after law school, when a low-paying role at a small firm left her struggling to cover student-loan payments and bills.

“I tried to start with side hustles that were very low barrier to entry,” Zheng…