Feeling underpaid? You’re not alone — but the solution isn’t always another side hustle. In today’s world, burnout is real, and working more hours often isn’t an option. What most employees don’t realize is that extra income could already be hiding inside their current job.

Your salary is just one piece of your total compensation, which includes everything from employer-paid benefits to tax-free reimbursements. Yet research shows that 86% of employees don’t fully understand their benefits, meaning thousands of dollars often go unclaimed each year.

If you’re ready to stop leaving money on the table, here are four overlooked places to find hidden cash without changing jobs — all tied to your existing paycheck and benefits.

1. Maximize Your Learning and Development (L&D) Stipend

One of the most valuable perks your employer may offer is funding for your personal growth. Through educational assistance programs, companies can reimburse up to $5,250 per year for approved learning expenses, tax-free under IRS rules.

This is essentially your company offering to pay you to become more valuable. For instance, earning a Salesforce Administrator certification can push your salary toward $80,000 or more, while a Project Management Professional (PMP) earns about 33% higher pay on average.

Pro tip: Ask your HR team if your employer provides a learning stipend. Come prepared with a course or certification that benefits both your role and the company. When you show how it improves your performance, approval is much easier.

2. Use Every Wellness and Commuter Benefit Available

That “wellness stipend” in your benefits package might not look like much — but it can easily add up to hundreds of dollars a year. A 2024 Mercer survey found that 64% of employers expanded their wellness benefits, often offering flexible stipends for health-related expenses.

Don’t limit yourself to gym memberships. Many plans now cover therapy sessions, meditation apps, ergonomic chairs, or fitness classes. If your company gives you $75 a month, that’s $900 in extra tax-free value a year.

Action step: Review your benefits portal or HR policy. You may already have money waiting to be used on things that improve your well-being — and your wallet.

3. Don’t Miss Your 401(k) Match or FSA Funds

Another easy win? Capture every dollar your employer contributes. If your company matches 401(k) contributions, that’s literally free money for your future. Contributing enough to get the full match can add thousands of dollars to your annual compensation without changing your budget.

Similarly, if you have a Flexible Spending Account (FSA), remember: most of those funds expire at year’s end. Unused FSA money for medical or dependent care is money lost. Use it on eligible expenses like prescriptions, childcare, or eye exams before the deadline.

4. Check for Employee Perks and Discounts

Many companies partner with retailers, banks, or service providers to offer exclusive employee discounts. These can include reduced rates on insurance, travel, tech, or even mortgage programs. While they might seem small, stacking these perks can save you hundreds or even thousands each year.

Quick win: Visit your HR portal or employee resource site and check for “employee perks” or “discount partners.” You may find savings you didn’t even know you had access to — from your next vacation to your monthly phone bill.

Final Takeaway: You’re Probably Earning More Than You Think

Instead of chasing a second job, start by exploring the hidden value in your current one. Between learning stipends, wellness reimbursements, matched retirement savings, and perks, there’s likely more money in your benefits than in most side hustles.

Your employer might not call it a “raise” — but every dollar you reclaim through your existing benefits is a financial win worth celebrating.