Generate a full detail guide on starting a side hustle specifically to accelerate debt payoff. The guide must be action-oriented. It should include: 1. A list of 20 side hustle ideas categorized by skill type (e.g., creative, technical, hands-on). 2. A framework for choosing the right side hustle based on your schedule and skills. 3. A step-by-step guide to landing your first paying client or customer. 4. A section on how to allocate 100% of the side hustle income directly to your debt. Please include a supportive disclaimer.