I went $141,000 into debt after becoming a stay-at-home mom. These side hustles are helping me pay it off before I turn 30.

Tayler Ktestakis says she didn't expect the financial hurdles she would face after becoming a stay-at-home mom. Tayler Ktestakis

Tayler Ktestakis makes money through side hustles while being a stay-at-home mom two her kids.

She takes her kids mystery shopping, sells digital products, and even made money through surrogacy.

She is on track to pay off $141,000 debt by the time she turns 30-years-old.

This as-told-to essay is based on a conversation with Tayler Ktestakis, a 28-year-old stay-at-home mom based in Utah County, Utah. It's been edited for length and clarity.

When I started posting about my side hustle journey on social media in 2025, I set a goal to pay off all of my debt, $141,000, by the time I turned thirty.…