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Posted: 7/17/2017 9:22:54 PM EDT
[#1]
Ok OP. What can you do that someone might want to pay you for doing..? Seriously.
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Posted: 7/17/2017 9:25:22 PM EDT
[#2]
What is the house worth, if its worth a million I’d say you’re fine but if it’s worth 50k you may be in trouble.
House can be liquidated and assets allocated to the pitfalls. |
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Posted: 7/17/2017 9:26:38 PM EDT
[#3]
How are y'all getting the 2k/month take home on a 20k salary? That's not right.
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Posted: 7/17/2017 9:26:58 PM EDT
[#4]
You might want to improve your situation and start becoming a productive member of society.
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Posted: 7/17/2017 9:27:11 PM EDT
[#5]
Quote HistoryQuoted:
Yeah pretty much. Learn a trade. At least then when shtf you might be valuable enough to keep around instead of going in "the pit" with all the other scholarly folk that will serve no purpose.  Quote HistoryQuoted:
Quoted:
You are 43 and have a job that pays 20k a year? You are fucked 
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Posted: 7/17/2017 9:29:14 PM EDT
[#6]
Quote HistoryQuoted:
You might want to improve your situation and start becoming a productive member of society. 
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Posted: 7/17/2017 9:29:17 PM EDT
[#7]
Paid off car only lasts so long when you have no savings.
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Posted: 7/17/2017 9:29:46 PM EDT
[#8]
Quote HistoryQuoted:
40 hours at a hospital answering phones. I'd love to have a better job, but they are rare and hard to find in these parts, and the ones that do exist I don't have the qualifications for or the physical ability to do. Quote HistoryQuoted:
Quoted:
$20k? How many hours? |
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Posted: 7/17/2017 9:30:31 PM EDT
[#9]
Sell your $140,000 house and buy a $60,000 house. Pay off your student loans and put $50,000 in a retirement account. You're allowed to sell your primary residence tax free once in your lifetime. Do it now and put yourself in a better position for the future.
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Posted: 7/17/2017 9:30:55 PM EDT
[#10]
Quoted:I have a job that has health benefits, but offers no pension and pays around 20k/yr. I don't get it. Is there internet service in the deepest hollow of Appalachia? |
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Posted: 7/17/2017 9:30:57 PM EDT
[#11]
Quote HistoryQuoted:
You are 43 and have a job that pays 20k a year? You are fucked 
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Posted: 7/17/2017 9:32:36 PM EDT
[#12]
I'm 44 and happily single (divorced, no alimony nor child support).
I have no debt at all. I have many diversified investments. I have ever-growing retirement savings. I have $75k cash savings. My car is paid. My house is paid, and I am buying rural acreage to shoot and hunt. I have a job which has health benefits, offers a decent pension and pays $150k/year. I retire in 5 years. 
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Posted: 7/17/2017 9:33:15 PM EDT
[#13]
Quote HistoryQuoted:
Ok OP. What can you do that someone might want to pay you for doing..? Seriously. |
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Posted: 7/17/2017 9:36:01 PM EDT
[#14]
Quote HistoryQuoted:
You should consider smoking, heavy drinking and womanizing. Since your going to work til you die may as well keep it short and entertaining. Dude...a degree in History? WTF were you planning on using that for?!
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Posted: 7/17/2017 9:36:16 PM EDT
[#15]
Quote HistoryQuoted:
Do you mind sharing what your physical impairments are?
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Posted: 7/17/2017 9:38:40 PM EDT
[#16]
Quote HistoryQuoted:
Pretty much this. Live it up. Dude...a degree in History? WTF were you planning on using that for?! Live and learn. |
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Posted: 7/17/2017 9:40:46 PM EDT
[#17]
Quoted:
I'm 43. I have no debt at all besides 30k in student loans. I have no investments. I have no retirement savings. I have no savings at all. My car is paid for. My house is paid for. I have a job that has health benefits, but offers no pension and pays around 20k/yr. I have a BA in history, but no ability to pay for more schooling. So, now what? Options? You're way good dude, but you should be making more money annually which is absolutely achievable. Crush the remainder of your student loan, and start putting money in the bank. Win for the rest of your life. |
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Posted: 7/17/2017 9:42:15 PM EDT
[#18]
Is the hospital you work at a government run hospital or is it a non profit/religious hospital? With your skill set you might be able to transition into some sort of government office job for the retirement and benefits.
There are a lot of folks that may make more money but they are in debt much more than their income. If you can find a job in your location that is a good fit and you have a paid off home and paid off car that helps a lot. Hopefully you can find something that offers a good retirement, health insurance, and time off work. That's why I was thinking government may be a good fit. |
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Posted: 7/17/2017 9:45:26 PM EDT
[#19]
Quote HistoryQuoted:
I have a genetic neuropathic condition that gives me the gift of severe neuropathy in my feet and hands, and I'm slowly losing strength in my extremities. I have a hard time with standing or walking long distances, have balance problems so climbing ladders is out, and things just randomly fall out of my hands. Thus far, I've avoided getting on disability, but those days are coming. It sounds to me like you should ignore the haters, focus on enjoying your life as it now is and get acquainted with Jesus. Best to you. |
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Posted: 7/17/2017 9:48:02 PM EDT
[#20]
Quote HistoryQuoted:
Sounds like Charcot–Marie–Tooth disease. If so, I'm sorry for you. As you know, there is no treatment. It sounds to me like you should ignore the haters, focus on enjoying your life as it now is and get acquainted with Jesus. Best to you. |
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Posted: 7/17/2017 9:53:01 PM EDT
[#21]
Quote HistoryQuoted:
Trade school, most states is free even for returning adults. Become a machinist, electrician etc... and go make $40,000/yr |
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Posted: 7/17/2017 9:53:36 PM EDT
[#22]
OP, you're not screwed but you're in a precarious position and time is running out.
My mom lost everything at 40 years old, had to start over with no college education and nothing saved up, and a shitty house to pay for and a lot of medical bills. She made good decisions, got a good job and saved and she's retired now and doing well at 67. You can't fuck around, tho, you have to act and get your ass into better income working towards it. |
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Posted: 7/17/2017 9:55:04 PM EDT
[#23]
theres no shame taking the SSDI, i'd do it in a heartbeat
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Posted: 7/17/2017 10:00:27 PM EDT
[#24]
And I was going to start a thread asking if 3 million was enough for retirement.
With no debt/own house (will downsize in 20 years) etc. You need to keep that house if it's worth in 20 years will see a great increase in price because that is all you have. You are fucked unless you can increase you income/saving for retirement. |
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Posted: 7/17/2017 10:01:42 PM EDT
[#25]
edit: dupe
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Posted: 7/17/2017 10:02:43 PM EDT
[#26]
Quote HistoryQuoted:
theres no shame taking the SSDI, i'd do it in a heartbeat Note to OP - Don't let my comments about my friend cause you anxiety. My friend has adjusted very poorly to his disease. He's depressed and given up. He now sleeps 80% of the day. I'm convinced his mental attitude is one of his biggest problems. His brain seems to be shutting down. You have a much better attitude. Get out and enjoy nature. Cultivate good friends. Find some hobbies you enjoy and don't sweat the nickel / dime stuff. |
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Posted: 7/17/2017 10:08:37 PM EDT
[#27]
Quote HistoryQuoted:
I have a genetic neuropathic condition that gives me the gift of severe neuropathy in my feet and hands, and I'm slowly losing strength in my extremities. I have a hard time with standing or walking long distances, have balance problems so climbing ladders is out, and things just randomly fall out of my hands. Thus far, I've avoided getting on disability, but those days are coming. Although you may have to qualify as disabled first... |
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Posted: 7/17/2017 10:13:03 PM EDT
[#28]
Quote HistoryQuoted:
Paid off house and car are a big deal. It's why you're able to survive on so little money. With zero savings and still carrying debt, you probably won't have a long, if any, retirement, though when you get really old and have a couple years to live you might be able to do a reverse mortgage or something similar. I'd look to get a better job, pay down the student loans, and don't ever, ever let anything happen to the house (e.g. cash out refi, HELOC, or any other nonsense.) Imagine where you are now except with $1K/mo rent and you'll understand why. Put as much as you can and then more in to a 401k. If you have an employer match, that's free money. |
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Posted: 7/17/2017 10:16:30 PM EDT
[#29]
20k a year? Start hookin'. Somebody somewhere will pay to fuck you.
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Posted: 7/17/2017 10:18:54 PM EDT
[#30]
Get a roommate.
Take the rent and half the utilities and put 1/3 into your loans, 1/3 into a house repair/car replacement fund, and 1/3 into an IRA. Just make sure they aren't a druggie or criminal. |
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Posted: 7/17/2017 10:20:05 PM EDT
[#31]
Quote HistoryQuoted:
40 hours at a hospital answering phones. I'd love to have a better job, but they are rare and hard to find in these parts, and the ones that do exist I don't have the qualifications for or the physical ability to do. |
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Posted: 7/17/2017 10:20:53 PM EDT
[#32]
Im confused-
my son works entry level construction and makes 37k. You make about $9.60 hr? Its time to go fella. Go work in a warehouse picking orders or something and youll be at 30k in no time. Chin up |
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Posted: 7/17/2017 10:21:38 PM EDT
[#33]
House and car paid up job with health insurance. Your doing something right. Need a better paying job to work on your saving and retirement
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Posted: 7/17/2017 10:23:01 PM EDT
[#34]
meh, good luck
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Posted: 7/17/2017 10:23:35 PM EDT
[#35]
Teach in the ghetto or a remote town in Alaska. Generous politicians want us to pay your debt.
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Posted: 7/17/2017 10:25:23 PM EDT
[#36]
Quote HistoryQuoted:
You need to get a real job. If there are none in your area, move. If you don't take care of your student loan debt, when you go on Social Security they'll deduct a payment from your SS check every month until it's paid off. Personally, I'd look at selling my house, buying an RV to live in, and going where the work is. Seems as good an option as hanging out making minimum wage at your age is. Good luck with it. |
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Posted: 7/17/2017 10:25:55 PM EDT
[#37]
Quote HistoryQuoted:
Get a roommate. Take the rent and half the utilities and put 1/3 into your loans, 1/3 into a house repair/car replacement fund, and 1/3 into an IRA. Just make sure they aren't a druggie or criminal. |
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Posted: 7/17/2017 10:29:48 PM EDT
[#38]
Quote HistoryQuoted:
Just thinking about the future and realized I'm in not great shape and was wondering what I could do about it. |
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Posted: 7/17/2017 10:30:11 PM EDT
[#39]
Why not work for the Govt?
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Posted: 7/17/2017 10:30:23 PM EDT
[#40]
On a serious note. Two trade jobs come to mind. Automotive body shop painter and electrical linemen.
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Posted: 7/17/2017 10:42:35 PM EDT
[#41]
I didn't read every page, but it looks like you have about $30k in debt, but have a $140k house free and clear... so your net worth is still over 6 figures, even with a $20k/yr income. You're much better off than most, however, you need to start preparing for retirement.
As for job prospects, I recommend looking at training in some various trades (construction, machinist, welder, etc). If you can teach, look into opportunities overseas that would also pay for your room and board. You would be able to sock away some serious cash. As the economy has started to recover in the USA, many people that were working abroad have started to come back, so there may be some good opportunities for you. Good luck OP, keep us posted. |
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Posted: 7/17/2017 10:45:56 PM EDT
[#42]
Sell the house, use the money to go back to school and live on until you get a better job, may need to move to a town with more opertunity. Of go find a rich woman and get married.
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Posted: 7/17/2017 10:55:22 PM EDT
[#43]
Quote HistoryQuoted:
Why wouldn't you want to do this? |
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Posted: 7/17/2017 11:23:30 PM EDT
[#44]
OP,
Could you rent the house, move into the apartment and come out ahead? I can see not wanting to sell the house, and I think it would be foolish to sell your only asset in your situation. I think your better off finding a better paying job, or a job that allows over time over working multiple jobs. Could you become a pharmacy tech? They make pretty good money up here in Oregon. |
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Posted: 7/17/2017 11:23:40 PM EDT
[#45]
Double tap.
PS- reason I would avoid second job is you get penalized in taxes, however, at 20k a year, it sounds like your really not paying a whole lot in taxes anyway |
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Posted: 7/17/2017 11:30:52 PM EDT
[#46]
Quote HistoryQuoted:
Because hopefully at some point the money works for you. |
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Posted: 7/17/2017 11:44:32 PM EDT
[#47]
Quote HistoryQuoted:
What else am I going to do? Maybe you should find a job you like.  If you can think of nothing else to do with yourself aside from work then I honestly feel bad for you. There's far more to life than your career. |
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Posted: 7/17/2017 11:51:44 PM EDT
[#48]
I know teenagers in fast food that make more than OP.
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Posted: 7/17/2017 11:52:11 PM EDT
[#49]
Quote HistoryQuoted:
Sounds boring. What am I going to go play golf? |
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Posted: 7/17/2017 11:55:44 PM EDT
[#50]
How much do you weigh OP?
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