• A millennial paid off more than $100,000 in student loan debt in two years by juggling two jobs.
• Secretly working multiple remote jobs allowed him to double his income.
• He said being “overemployed” is stressful at times, but the financial benefits are worth it.

Adam paid off his student loan debt last month, after more than doubling his income by juggling multiple remote jobs.

Two years prior, he had roughly $118,000 in student debt and was earning about $85,000 annually from one job as a security risk professional. Adam, who is in his 40s and based in Arizona, was eager to become debt-free as soon as possible. He started looking for ways to boost his income and discovered “overemployment.”

Since early 2023, Adam has secretly juggled two full-time remote roles simultaneously. While his overemployed lifestyle has been stressful at times, he said he typically doesn’t work more than 55 hours a week across his gigs — and that the financial benefits have outweighed the downsides.

“I would like to be a millionaire before I turn 50,” said Adam, whose identity was verified by Business Insider but asked to use a pseudonym due to fear of professional repercussions. “I want the financial freedom to give more time to family and friends.”

Adam is among the Americans who have worked multiple remote roles on the sly to boost their incomes. Over the past two years, BI has interviewed more than two dozen job jugglers who’ve used their extra earnings to pay off debt and travel the world. To be sure, holding multiple jobs without company approval could have professional repercussions and lead to burnout. But many current and former overemployed workers have told BI the financial benefits outweigh the downsides.

Job juggling is worth the stress

In 2022, Adam began supplementing his income by driving for food delivery platforms like DoorDash. But after growing frustrated by his meager earnings, he decided to explore other options. That same year, he watched a YouTube video about people secretly working multiple jobs to boost their incomes.

When Adam began looking for a second remote gig in early 2023, he said his two main goals were to double his income and pay off his student loans within two years. In February 2023, he landed a second remote security risk professional role that pushed his combined earnings to more than $170,000 annually.

Adam said working multiple jobs has been challenging at times. He said it can be difficult to juggle overlapping meetings and deadlines, and that coordinating vacation time across both jobs can be laborious — as each employer has a different policy and approval process. While he’s generally been able to manage his workload, he said it can be difficult when colleagues quit or are out of the office, and he’s asked to pick up some extra work.

“Managing priorities and ensuring both roles receive adequate attention requires careful planning and adaptability,” he said.

While these challenges have been stressful at times, Adam said he’s generally been able to avoid burnout. He tries to stay organized and automate his work wherever possible. Outside work, he makes an effort to spend plenty of time with his friends and family. When he needs a break during the workday, he sometimes plays video games.

“I have learned to manage stress pretty well,” he said.

Looking ahead, Adam said he has no plans to stop job juggling. His goal is to boost his combined income to at least $250,000 annually by swapping one of his jobs for a higher-paying one or starting a consulting business on the side.

“I do plan on staying overemployed for the foreseeable future,” he said. “The way I am overemployed may change.”

Are you working multiple remote jobs at the same time and willing to provide details about your pay and schedule? If so, reach out to this reporter at jzinkula@businessinsider.com.