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How much do you make per hour?

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DeeThree

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Reason I'm asking is because the best job I can get will pay $20-25 an hour, and I don't see how I can survive on that. Can I?

Rent = $1000 or more
Car Payment = $300
Car Insurance = $100
Car Fuel = $200-300
Cell Phone = $50
Gym Membership = $50
Electricity = $150
Health Insurance = $100-150(I need meds, and work wont provide that unless I get hired on full time [IT Jobs are contracts] )

That's around $2,000 a month not counting food.

I will earn a total of around $2,500 a month.

So with food that doesn't leave much. What do?

I can get a construction helper(framing) job paying $20 hr CASH + my disability I'd have $5,000 a month to spend.

OR

I can move to Poland with my disability that'd be like 4,500 polish currency and get a job in IT for around 4000$ polish currency.

fuk brahs idk what to do
 
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Reason I'm asking is because the best job I can get will pay $20-25 an hour, and I don't see how I can survive on that. Can I?
Depends on a lot, like cost of living in your area, what disability is giving you etc
 
Reason I'm asking is because the best job I can get will pay $20-25 an hour, and I don't see how I can survive on that. Can I?
Can probably make more than that doing Uber or Doordash during peak hours.
 
Here is some context:
I'm 41 YO. I have 13 years experience in my field and only made 45k a year when I started/can't remember hourly rate. I make about $52/hour today...I'm my families only income at the moment.

Couldn't find a job that paid anything in NE Ohio in my first degree field (IT). Worked at a prison for 3 or so years because money was decent for the area and I could make a living. Held like 5 different roles in a prison over that time, but calling people Captain and Lt. plus working with convicted felons was depressing as all hell and not for me. By now I'd probably be an Assistant Warden or even Warden making big money. The bad part about that is when an inmate escapes or dies in custody, the AW and Wardens get blamed and get shipped to some middle of nowhere in an area like a desert. Prisons aren't typically located in desirable areas.

Saw nurses in the prison making a lot of money, lot of overtime, and basically passing pills. Anything serious, inmate got sent to hospital. It looked like a cake job. Decided to go back to school for accelerated BS in Nursing.

Since I actually paid for both my degrees myself, didn't want to waste them. So I thought Health IT would be best career path. Once I got into nursing and experienced some of the gross shit I didn't want to do, I decided Health IT was definitely for me over straight clinical. Couldn't get a job at Cleveland Clinic or Akron Children's. They wanted like 2 years of ICU experience to have an IT job.

Had to move 3 hours away to other side of Ohio for my first Clinical IT role. Again, didn't want to move away from friends and fam in NEO, but that is what I had to do to secure my first role and gain experience.

Live in NC now though. Luckily I bought my house prior to Covid Boom for 325k with 2.9 interest rate. Today my house value says 475k and with current rates, monthly payment would be more than double of what I currently pay. I couldn't afford my house today.

I drive an old 2007 Honda CRV with 200k miles I bought brand new. Before Covid Hit, I had a van payment, 2018 odyssey. Once everything moved remote and wife couldn't seem to not wreck van....I decided to get rid of the $600 payment because it wasn't really needed anymore.

Looking back, if I would have held on longer I could have sold for more. Might have held onto it, just because I only owed 20k and people paying 10k over sticker for a fucking kia or over MRSP on any car are idiots. If people weren't idiots and refused to not pay over sticker, car dealers wouldn't be able to sustain it.

I have 2 kids and a wife. I have two bachelor's in complete different fields. Student loans all paid. Wife is still in school and doing an associates to masters program (which is expensive). My oldest is home Schooled at the moment and my youngest will probably be homeschooled too. I pay $1500-2k for their curriculum. Wife's school, we pay as we go. Use credit cards for everything so I get cash rewards. Pay off Credit cards in full monthly. At this point I don't have a ton of money in my checking, but have access to emergency cash if needed.

While my current house isn't my dream home, I do like it alot and count my blessings everyday. My wife could work and make 60k in her field easily, but at this point in our lives we value our kids more than money and again I know we are lucky we can live like this (with only 1 income). I dread getting a new or used car.

At times I do wish my wife worked. I sacrifice a lot for my family and so does my wife. Would I like a telluride, yes? Do I want to take my kids to Disney, yes? But you need to be an adult and choose wisely as to what is most important to you.

I have no real empathy for people who have crazy ass amounts of student loans and want the government to forgive them. If the government does that, I'm not sure why I can't get a tax credit for being an adult and paying my debt. I shouldn't have to pay higher taxes because people go to Ohio State for a 150k political science degree they never use. Go to a community college for your undergrad or at least do the first two years of your LERs....it's not hard, just think a little.

Don't pay the minimum payment on your loans, buy an affordable car, not a Tesla, a Mustang, or giant fucking truck that costs 80k plus $1000 a month for gas when you aren't in construction.

Shit ain't easy, but its not that hard either. It just requires some sacrifice and self discipline. Don't think what you make today is what you'll make 10-15 years.

Sorry, so deep, just really living my "get off my lawn" old man moment.....lol.
 
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I know how much I make an hour. But I always look at it in terms of every hour of every day.

There's 8760 hours in a normal year so anyone can do the math.

You never know when your time is up. Live your life.

I have a shirt with the grim reaper spreading a rainbow that says "Live like you're going to die. Because you are."
 
I won't detail this thread, and let people post the answer to your question,but iirc you have a unique situation with hurdles that you really need to address and consider when thinking about questions and answers like this.
 
Couple quick things:
1. Do you have parents you can live with while you save? Can you stand each other? If yes, live with them until you save enough or make enough hourly to sustain.

2. If no, live further out than suburbs of a major city. When I lived in NEO, I lived about an hour south of Cleveland. The further you live out, the I cheaper the rent/houses should be.

3. Is a small studio apartment or 1 bedroom apartment an option? Again, the further out from a major metro area, typically cheaper. Imagine this is hard to find regardless in the current market though. Can you get roommates?

4. Look for remote jobs. If there is no travel, saves a ton on car maintenance and gas. Which in turn helps make your actual take home income higher.

5. If you do live in way out from city, drive far to work, and say you need reliable transportation. Buy a civic, a Prius, or some other affordable car. Don't go buy a Tesla (or other expensive electric car) or a big SUV that sucks down gas. Buy something small that can grow with you some. Maintain it, don't trade in for shiny new model. Within 5 years car will be free and clear and last you at last another 10 plus years. If you don't put a lot of miles, could last you 20 more easily.

Don't be discouraged. This market is fucked. My house almost increased in price by $150k in 3 years. It's not sustainable. I still live 30 min from my job because of housing costs in general. Even before COVID, I had major sticker shock in NC compared to what I could find in Ohio.

I miss some of my family, def. missed the friends I grew up with too. Can usually only go back and visit once a year or so bc kids are little and cost to travel / renting hotel. I kind of miss the overcast, honestly. In NC, it's too fucking sunny and hot at times. I had to find a house that had some trees so kids could play outside during day, but since my backyard is woods, it brings mosquitos. If no woods, less mosquitos, but kids couldn't play in the middle of the day bc no clouds and hot as fuck.

My point in all this is, life is never truly perfect. You are the one charged to make a change and navigate these obstacles, life doesn't always seem fair either. If peoples lives are perfect and they don't have to make any sacrifices, great for them, but I really don't think that's a true reality. Even a really rich NBA player has to make some sacrifices they might not like. While being away from your children and wife can be a respite in some cases, some might really miss their kids and want to be around their wife and the travel sucks for them. Some might cheat on their wives, hate their kids and believe their lives are perfect. Nothing is perfect though and we all have decisions we can make.

You just need to keep in mind life is not fair and we all don't have the same starting point. You should focus on the decisions you control and make the best/ most logical choices for your predicament. You really need to decide on what makes you happy most and what you are willing to sacrifice though to attain those things that make you happy.

In my experience, material things like even new houses, new cars, boats, ATVs, girlfriends who are hot but you actually can't stand, all the new and glisten wears off pretty quickly. Those moments of euphoria are very short lived and unless you are really well off financially you cannot be chasing it all the time or you'll put yourself in a hole or be perpetually depressed because you cannot attain it.
 
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Reason I'm asking is because the best job I can get will pay $20-25 an hour, and I don't see how I can survive on that. Can I?
In Nebraska, with an employed spouse you can get by...

But you need a valued skill or education.. or a good side gig, to be stable anywhere else.. we saw an unprecedented wage hike for a hot minute, but this has been followed by ridiculous real inflation, which has clawed back those gains, and the most affected are at the bottom of the economic ladder..
 
States like Idaho, Montana, the Dakotas, have pretty cheap housing (if you stay away from the fraking areas).
 

Rubber Rim Job Podcast Video

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