A majority of American workers plan to change careers or add a second job in order to earn more money, according to the National Association of Personal Financial Advisors (NAPFA).

The search for more income has been sparked, in large part, by the financial problems created by the pandemic, NAPFA said in its “Survey on Americans’ Reactions to Economic Upheaval Caused by Covid-19,” which was released Friday.

Seventy percent of Americans are considering adding another source of income after witnessing the economic damage caused by Covid-19, according to the survey of 2,006 people in the United States age 22 to 64, which was fielded in early January.

“Many Americans are completely reevaluating their careers,” according to NAPFA, an association of fee-only financial advisors. Twenty-seven percent of participants said they are likely to start their own business, 27% said they will try to find a new job, and 25% said they want to switch to an entirely new line of work.

“Whether they have been directly affected by job losses and furloughs or not, consumers are clearly taking note of how the pandemic has disrupted the U.S. economy,” Geoffrey Brown, NAPFA CEO, said in a statement. “They are looking for ways to improve their financial security and are not shying away from considering major life changes. To be successful in these endeavors, smart financial planning is critical. A financial advisor can help navigate all types of career transitions.”

As Americans reassess their professional lives, increasing their income is the top priority, the survey said. Forty-five percent of participants said want higher income, 42% said they want a steady income, and 30% said they want the ability to work from home. Similarly, of those interested in starting their own business, 48% want a higher income, 38% want be their own boss, and 33% want a flexible work schedule.

The survey found some stark differences between the views of women and men and between the views expressed by different generations.

Forty-nine percent of the women who were considering a job changed wanted to do so to get a steady income, while that was the top goal for only 36% of the men. Younger Americans said they were more likely to consider bigger changes in their lives as a result of the pandemic. Nearly one-in-three millennials were interested in starting their own business, compared with just 17% of baby boomers. However, more than half (56%) of baby boomers say the pandemic has made them thriftier, while only 35% of millennials say the same.

“Regardless of how you’re reacting to the pandemic, with big changes or small ones, there are strategies you can use to maximize your opportunities for becoming more financially secure in 2021 and into the future,” Brown said.

NAPFA had suggestions for achieving success in making a job change.

Those looking for more income should be specific about what they want. “Create revenue or income goals, develop timelines for hitting training or growth milestones and set metrics to know you are on track,” NAPFA said.

Those people wanting to start their own business should make sure they have enough savings to last until the business becomes profitable and how they will handle healthcare and other benefits for themselves and any employees. Business owners have to understand the details of the undertaking. For instance, self-employed people are responsible for both the employer and employee parts of the Medicare tax.

For those who want to switch careers, there may be tax credits, grants or scholarships available to help with the cost of training or education needed for a new job. When comparing the current job to a potential new one, the person needs to consider whether there is employer-paid health insurance, 401(k) matches or equity compensation.

Anyone considering a big change in his or her employment status should “work with a financial advisor who can help weigh the financial benefits and drawbacks of the changes,” NAPFA said.