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My moneys on her growing wacky tobacky down in the cellar.

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Background Pony #782F
Fluttershy: My cottage is also a pet shop. I get money by giving animals to other Ponies as pets.
redweasel
Duck - "someone befriended them, saved them, coaxed them out of their shell, and showed them that sex is nothing to be afraid of. I’m kind of envious of that rape victim"

Fuzzbutt
what part of animal sanctuary isn’t cheap to run?
 
you think her animal friends are goddamn freeloaders?
 
plus she has a two story private cottage within spitting distance of the everfree
 
real estate there can’t be much of a hot commodity.
Asclepius

Seeing she gave Tank to Rainbow as a pet, I wouldn’t be surprised if she lets Ponies have some of her animals as pets to get some money, I think Rainbow got Tank for no charge since they’ve known each other since their days at Flight Camp.
TheAussieBlue

Personally, I thought of her as a Wild Life Ranger. As anyone who works in a reserve could tell you, it is a very demanding job. And there is a massive difference between a vet and a ranger.
Thegug
The End wasn't The End - Found a new home after the great exodus of 2012

By day, she is lovely mild mannered animal loving Fluttershy.  
By night, she is the daring catburglar Fluttershy, who uses the animals she’s trained as accomplices in her daring heists.
 
That or she probably puts on animal shows for a quick buck… I mean, for some quick cash.
Lord Griffin

One of the initial ideas for the show was that the ponies maintain nature. The literally make rainbows, clouds, and snow. They’re responsible for knocking the autumn leaves off of trees, and helping frozen lakes to melt.
 
Celestia is a super-dictator who controls absolutely every aspect of absolutely everything, including nature itself. (remember, nature CAN take care of itself if left to it’s own devices).
 
In other words, Fluttershy is part of Celestia’s totalitarian reign of iron fisted control of Equestria. Specifically, she ensures that otherwise wild animals look to HER for their daily/yearly needs, including food, shelter, and assistance with hibernation. Yes, she gets paid for all of this.
MrSeyker

“Fluttershy is too young to realistically own her own place yet.”
 
You fucking retard, she’s the eldest in the Mane 6.
SpacePaladin
The End wasn't The End - Found a new home after the great exodus of 2012

Watcher of the Watchmen
I think Fluttershy has very low property values because she lives at the edge of a death forest.
 
She’s also seen training birds to sing. She might get contracts to do animal-related things like this.
Mattatatta
An Artist Who Rocks - 100+ images under their artist tag
Artist -
The End wasn't The End - Found a new home after the great exodus of 2012

Personally, I’ve always liked the idea of her being a writer, who goes under an alias so she won’t have to experience the same sort of attention that she got when she was a model. She has wrote quite a few novels over the years, and they’ve all netted her some decent money.
Ginger_Fig
The End wasn't The End - Found a new home after the great exodus of 2012

HC: Fluttershy is too young to realistically own her own place yet.  
The cottage is actually owned by a nature lovers club in Manehattan. They pay the expenses and her small salary. Sha makes extra money on the side selling eggs and grooming pets.
Crowley
Wallet After Summer Sale -
Magical Inkwell - Wrote MLP fanfiction consisting of at least around 1.5k words, and has a verified link to the platform of their choice
Birthday Cake - Celebrated MLP's 7th birthday
The End wasn't The End - Found a new home after the great exodus of 2012

Can't we all get along?
The answer is simple: she’s living in Equestria, not earth. If she was living on earth, sure, she’d have a hard time getting money, but since she’s in a world where the governing bodies actually give a shit about their people (or ponies), she’s getting a monetary grant for caring, taming and healing animals that most vets won’t touch (see: the manticore’s paw, the cockatrice’s unruly streak and cerberus getting lost).
mathprofbrony
Solar Supporter - Fought against the New Lunar Republic rebellion on the side of the Solar Deity (April Fools 2023).
Roseluck - Had their OC in the 2023 Derpibooru Collab.
Elements of Harmony - Had an OC in the 2022 Community Collab
Twinkling Balloon - Took part in the 2021 community collab.
Friendship, Art, and Magic (2020) - Took part in the 2020 Community Collab
Wallet After Summer Sale -
Friendship, Art, and Magic (2018) - Celebrated Derpibooru's six year anniversary with friends.
Birthday Cake - Celebrated MLP's 7th birthday
The End wasn't The End - Found a new home after the great exodus of 2012

1.) Running Ponyville’s bunny census strongly suggests that she has an official position, something like the town’s forestry service, for which she gets paid at least something.
 
2.) With some of the animals she takes care of, we also know she adopts out pets. Running a pet shop could be pretty lucrative in Ponyville; it’s clear that pets are obviously very popular in the area. Everypony in the Main Six has one.
 
She has two jobs, perhaps each part-time, that synergize in her taking care of animals using her own home as a base. She has a place of business and a home with money saved on one building. Given that the location is on the edge of the Everfree Forest, probably not the swankest address in Ponyville (Rarity and Twilight live downtown, and both of them live in their place of business as well), she’s probably not on the hook for as much as she might otherwise be.
 
Thus, she’s probably doing pretty well for herself; not rich, but a comfortable country-style existence.