Most people treat the concept of "multiple streams of income" like a collection of participation trophies. They have a day job, a failing Etsy shop, $2,000 in a "growth" stock that’s down 40%, and maybe a neighbor who owes them fifty bucks. They call this diversification. I call it a disorganized mess of low-leverage hobbies.

If you are working for every dollar that enters your bank account, you don’t have multiple streams of income. You have multiple jobs. And if you have multiple jobs, you aren’t building wealth; you’re just accelerating your inevitable burnout.