How to Make Money at Home

The Personal Trainer

Kristina Millar
Calabasas, California

Mother of Kaya, 2
Business: Team Millar
Job description: Trains clients in their homes and at a local studio
Start-up costs: About $1,500 for liability insurance, basic exercise equipment, and certifications in personal training and CPR
Annual income: About $27,000 (hourly rates range from $25 for gym/studio training to $65 for in-home clients)

Back story: An aspiring actress, Millar started her fitness career five years ago after taking a Pilates class. She enjoyed it so much that she decided to get certified to teach it at a local studio. When a coworker left and passed along her private clients, Millar got her personal-training certification from the American Council of Exercise. The flexible hours as a trainer gave her freedom to go on auditions and pursue her master's degree. When she got married and then pregnant a few years later, she realized that the job was ideally suited to her new role as a mom. She now works about 20 hours a week while her mother watches her daughter, Kaya.

Best advice: "Start at a gym that lets you work as an independent contractor. It's a great way to build your professional reputation before you strike out on your own."

Greatest satisfaction: "I love the fact that I can change someone's life for the better. When I can help a client get stronger or when I can get him to increase his range of motion, I feel like I've accomplished something."

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