Titan1 wrote:
I work 20-30 hours per week...my wife doesn’t work....I have an associates degree...I have 4 kids...a mortgage...ride and race ...more
Titan1 wrote:
I work 20-30 hours per week...my wife doesn’t work....I have an associates degree...I have 4 kids...a mortgage...ride and race whenever I want...have a bike with all the cool parts Us vet guys can afford but don’t really need.
I say it’s not so much you have to work (self employed is an exception)..as much as it’s picking the wrong career, to much emphasis on college education (which drowns most people in debt, for a career that only earns $50k), hourly/salary jobs only allow more money by working more hours.
bball35 wrote:
I don't know what you do, but I kind of hate you right now.
I agree their is way to much emphasis on college education.
bball35 wrote:
I don't know what you do, but I kind of hate you right now.
I agree their is way to much emphasis on college education.
I’m a mortgage loan officer...
I’m a huge fan of careers like that (insurance, real estate agent, loan officer, etc)...high quality of life, flexible schedules, virtually no start up costs, and unlimited earning potential without the high risk of starting and running your own business (in the traditional sense at least).
I can’t even remember that last time I worked more than 4 days a week...and I very rarely put in more than 8 hours on the days when I’m in the office.
Now, when I first started my career (15 years ago), I was working at least 40 hours a week, and on weekends (whenever the phone rang) because I didn’t have the clientele and referral relationships in place, so I had to spend most of my time finding clients and the rest of it pushing paper to get the loans closed....now, after “paying my dues”, if you will...I have the clientele, and great referral relationships in place, that I don’t have to spend time finding clients...I also have 3 rockstar employees who do most of the work as far as processing and underwriting loans for me. I’d say they all average between 30-40 hours/week, and they all work from home...but they are paid well (my underwriter is at $95k, my pricessor is at $60k, and my assistant is at like $35k), because I can’t afford to lose them. I could do the work of my employees-except my underwriter-and save myself $95/year...but I’d have to work double the hours, and have triple the stress...no thanks! That is $95k well spent!
I make a little bit more money every year...
The top guys at the company I work for-doing he same thing I do-are easily making well into the 7 figures...I don’t know what their quality of life is, or how they’ve built their business. But they close about 2 or 3 times as many loans as I do every year, and all have way more staff.
Find a job with a flexible schedule, and unlimited earning potential, and if you actually enjoy it, that’s a plus!...And then you are only limited by your own ambition and creativity and drive.