Side Hustle & Gig Income

“Do I have to report the Zelle money I made from my side hustle?”

CommonQuick Question · 30 min · $95

Money received through Zelle from a side hustle is often treated like other business income, but the reporting question usually depends on what the payments were for, whether the activity was a hobby or an ongoing business, and how the records were kept. Personal transfers from friends or family are generally different from payments for goods or services, and the way Zelle was used can matter if the account mixed both types of activity. The timing and consistency of the payments, along with invoices, messages, and bank records, often help determine how the income is characterized for tax reporting. Going through your records with a CPA usually surfaces the answer in under an hour.

In your 30-minute session, the KGOB advisor handling it will:

  • Read your exact situation and tell you, in plain English, what’s actually going on.
  • Lay out your options and the trade-offs — no jargon, no judgment.
  • Give you a clear next step you can act on, whether that’s with us or on your own.
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This page is a prompt to start a conversation, not tax or legal advice, and states no tax-law specifics as fact. A consult session does not by itself create an ongoing engagement. We do not promise specific outcomes or savings. Kohari Gonzalez Oneyear & Brown PLLC — Charlotte, NC.

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