Building a budget is a fundamental way to save smarter. But to do that, you need a basic understanding of fixed and variable expenses—and how they can impact your ability to stick to a budget.
What is a fixed expense?
Fixed expenses stay the same every month. They’re predictable and rarely change, making them easy to plan for.
Examples of a fixed expense include:
Rent or mortgage payment
Child care costs
Phone bill
Internet bill
Loan payments
Subscriptions
Insurance premiums
Tuition bill
You may have different fixed expenses than those listed. Go through your past year’s expenses to make sure you don’t skip anything when making up your budget.
How to budget for fixed expenses
With fixed expenses, you typically know what to include in your budget. These tips can help you create the most effective budget for your situation.
Prioritize essential expenses—the things you need to survive. Make sure your income covers essentials like housing and child-care over wants like gym memberships.
Convert nonmonthly costs into fixed monthly expenses. For example, if you pay $600 twice a year for car insurance, mark that down in your monthly budget as $100.
Add savings into your budget as a fixed expense. Whether you’re saving for unexpected expenses or financial goals like retirement, include it in your budget to ensure it happens.
Start saving with no minimum balance
Discover Bank, Member FDIC
Saving money on fixed expenses
Fixed expenses tend to be bigger and may take planning to reduce—like moving to reduce your monthly rent. Others are easier to cut or trim. To save money on fixed expenses:
Cancel unused subscriptions and memberships
Switch to a cheaper phone or internet plan
Shop around for lower rates on insurance
Avoid unnecessary expenses
What is a variable expense?
Variable expenses change, often monthly, making them less predictable and trickier to budget for. That makes it easier to overspend on them.
Variable expense examples include:
Groceries
Medical bills
Utility bills
Clothing costs
Gasoline prices
Car or home repairs
Some variable expenses are easier to manage than others. For example, you can control what you buy at the grocery store but not how much it costs to fill your gas tank.
How to budget for variable expenses
Like fixed expenses, it’s important to prioritize essential variable expenses like food and utilities. Here are two options to help determine realistic figures for your budget:
Calculate the average of three to six months’ spending in each category.
Determine the highest amount that you spend in a month in each category, and use that maximum number in your budget to provide a cushion.
Either of these methods can help you get a better handle on how much you’re spending on variable expenses. Another tip: Keep a budget buffer in a savings account to provide a safety net when variable expenses are higher than expected (or when unexpected expenses pop up).
Saving money on variable expenses
Reducing variable expenses can free up space in your budget, making it easier to handle your fixed expenses and funnel more into savings.
Here are five simple ways to reduce variable expenses:
Make grocery lists and stick to them.
Wait for sales whenever possible.
Reduce your dining out and takeout orders.
Seek free or low-cost entertainment like local museums that offer discount days and perks.
Invest in a programmable thermostat to save on utilities.
Now that you understand the differences between fixed and variable expenses, you can build a budget that helps you control your spending and meet your financial goals. When you know exactly where your money is going, you can take steps to shed unnecessary expenses, plan for the unexpected, and let your money work harder for you.
Take a proactive approach to planning for fixed and variable expenses with a Discover® Online Savings Account.
Articles may contain information from third parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third party or information.
Want to learn how to make money online without paying anything? Here are ways to earn money online for free. Making money online without putting in money up front is doable for many people. Thanks to the growth of online jobs and businesses, you can make extra money or create a full-time job from home….
Want to learn how to make money online without paying anything? Here are ways to earn money online for free.
Making money online without putting in money up front is doable for many people. Thanks to the growth of online jobs and businesses, you can make extra money or create a full-time job from home.
It doesn’t matter if you’re skilled or just getting started – there are ways to make money without paying anything at the beginning. You can use your creativity and skills in things like making content, providing digital services, and selling stuff online to make a steady income.
I personally have made money online in many different ways without paying anything to get started, so I know that this truly does exist.
Best Ways To Make Money Online Without Paying Anything
Here’s a quick summary of my favorite ways to make money without investment:
Best way to make money online freelancing – Proofreading
My favorite way to make money online for free – Blogging
Best way to make money online for passive income – Selling printables
Best way to make money online for those who like numbers – Bookkeeping
Below are the best ways to make money online without paying anything.
1. Blogging
Blogging is exactly what I started years ago, and I didn’t pay any money in the beginning to get started.
If you want to make money with a laptop, then this is what I recommend.
I began Making Sense of Cents in 2011, and it has helped me earn over $5,000,000 since then. I started my blog on a whim to share my own money journey, not even knowing that people could make money from blogs or how to make a successful one.
Now, it’s my full-time job!
Eventually, you will have costs with a blog, just like with most of the businesses listed below, if you want to grow and make more money. But, the expenses are low compared to how much money you may be able to make.
So, what’s a blog? A blog is like this content you’re reading now – it’s writing on a website. You can blog about something you’re passionate about, something you know a lot about, or even something you want to learn more about (people enjoy following firsthand journeys!).
There are many different niches (topics) that you can write about too, such as travel, personal finance, home, lifestyle, family, food, and more.
You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).
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Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
2. Printables
Selling printables is a way to make passive income from home without upfront costs.
This is because printables are digital files that you can download and print at home. You only need to make one digital file for each product, and then you can sell it multiple times.
They can be things like grocery shopping lists, invites, thank you cards, digital art, or gift tags.
I have bought many printables myself, and many others do too. Recently, I purchased a printable to help teach my daughter the alphabet. It was a useful tool, and I could easily print it at home.
You can learn more about this at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
3. Proofreading
If you like finding mistakes in written content and want to start a business without spending a lot of money, then proofreading might be a good choice for you. This can be a part-time job or a full-time career working from home.
Many proofreaders earn around $40,000 a year or even more.
Proofreaders look for errors in articles, ads, books, student papers, emails, transcripts, and more.
To become a proofreader, all you need is a laptop or tablet, an internet connection, and the ability to spot mistakes and errors. So, you probably already have everything you need to get started.
I recommend signing up for a free 76-minute workshop, where you can learn more about becoming a proofreader. You can sign up for the free How To Become a Proofreader workshop here.
Recommended reading: How To Become A Proofreader And Work From Anywhere
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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
4. Freelance writing
Freelance writing is a great way to make money online without any upfront costs, as you don’t need any expensive equipment to get started.
A freelance writer is someone who writes for different places like websites, blogs, magazines, ads, books, and other things.
I have been a freelance writer for many years now, all from my laptop. I really enjoy being a freelance writer, and I have many friends who do this as well. I started this job because I wanted to make money from home and not spend money trying to figure it out. And, it worked!
This job can earn you more than $50,000 a year. Some of my friends who are freelance writers make over $200,000 a year.
Recommended reading: 14 Places To Find Freelance Writing Jobs
5. Opening an online store
Starting an online store is a way to make money without upfront costs, and sites like Etsy and Shopify make this possible.
On Etsy, you can sell things like handmade or vintage items and craft supplies. This online marketplace is great if you’re creative and want to sell unique, one-of-a-kind products. Shopify, on the other hand, has more flexibility in what you can sell and allows you to build your personal storefront.
There are many different types of things you can sell, such as digital products like ebooks or web design templates, which don’t require inventory and can be sold repeatedly without additional cost. Physical products, on the other hand, can also be sold but keep in mind that you’ll need a plan for shipping, and you may have to spend money in order to have them as inventory to list on your store.
Another idea is dropshipping. This is a business model where you don’t need to keep inventory or ship products yourself. Instead, you work with suppliers who take care of inventory and shipping for you.
Below are some ideas for things you could sell through an online dropshipping store:
Travel items such as portable luggage scales, neck pillows, or travel cubes
Fitness equipment like yoga mats, weights, or resistance bands
Sustainable products such as reusable utensils, bamboo toothbrushes, tote bags, or eco-friendly cleaning supplies
Camping-related items like hammocks, lanterns, cookware sets, and survival kits
Jewelry such as stackable rings, layered bracelets, anklets, and statement earrings
6. Print-on-demand
Similar to the above, print-on-demand (POD) is a business model where you sell your custom designs on products like T-shirts, mugs, and books, but only print them once an order is placed.
It’s a popular way to start an online business with minimal upfront costs because you don’t have to worry about inventory. Your job is to create the designs and set up your online store.
Once a customer buys a product, the order goes straight to your POD supplier who prints and ships it under your brand name.
7. Stock photography
Stock photography is a way to make money online without any cash up front. If you already have a camera or even just a cell phone, you can get started selling stock photographs.
You are simply taking photos, putting them on a stock photo website, and selling them to people and companies.
People buy stock images from websites like Shutterstock, Getty Images, or Adobe Stock for many reasons, such as adding them to their websites, articles, blog posts, advertisements, and social media.
You can sell many types of pictures, including travel, business, people, food, animals, health, fashion, sports, and more.
For example, if I write a blog post about making money with a laptop, I might buy a stock photo of a laptop. Or, if I need a picture related to making money while traveling, I’d find a picture of a vacation to include in my blog post. Stock images can make a blog post more enjoyable to read.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
8. Affiliate marketing
Affiliate marketing is a way for you to earn money by promoting products or services online, and you don’t need anything special to get started.
With affiliate marketing, if your friend or follower buys a product through a referral link you share, you get paid a commission – it’s as simple as that.
First, pick products you love and are sure others will benefit from. Then, sign up for their affiliate program. Each program gives you an affiliate link. This link tracks who clicks and buys from your recommendation.
Your job is to share your affiliate link with as many interested people as possible. You could write about it on your blog, make videos, or even just share it on social media.
I recommend signing up for Affiliate Marketing Tips For Bloggers – Free eBook to learn more.
9. Playing games and watching videos for money
There are lots of money-making apps that let you earn cash by playing games or watching videos on your phone.
These apps pay you real money because they make money from ads and in-app purchases. To get you to keep playing, they give you a share of their earnings. For watching videos, the sites reward you with points for watching sponsored videos, and these videos can range from ads to short clips.
Now, these won’t make you rich, but it is a way to make money from your phone without upfront costs.
Here’s a quick list of the top video and game apps that pay real cash:
KashKick
Swagbucks
InboxDollars
Recommended reading: 15 Ways To Make Money From Your Phone
10. Market research and focus groups
If you love sharing your opinions, market research and focus groups are great ways for you to earn cash online without paying anything. This kind of work connects you with companies seeking feedback on their products or services. It’s all about understanding what you think as a consumer.
Lots of companies want to hear from people like you and me, and you can share your opinions with them using just a laptop or phone, some free time, and a good internet connection.
When I was paying off my student loans, I took online surveys almost every day. I did them before work, during lunch, or after work. Even though they didn’t make me a lot of money, they were flexible because I could do them whenever I had time. Plus, they were really easy and didn’t require much thinking!
Here are some survey companies I suggest:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
PrizeRebel
User Interviews – This one pays on average around $60 per assignment (much higher than the rest, but it is a little more work for participants as these are usually video calls or on the phone)
Signing up for these survey sites is free, and typically, they pay about $1 to $3 for each survey you finish.
11. Online tutoring
As an online tutor, you get to teach students from the comfort of your home. Your job is to share your knowledge and help in a subject you know well. You don’t have to worry about traveling or a strict schedule; you can choose when to do your online tutoring gig.
You can make between $30 and $60 per hour or more, depending on the subject’s difficulty and your expertise. And you don’t need to spend any money up front, so it’s a way to earn online without extra costs.
As a tutor, you might spend 30 minutes to an hour giving a lesson, answering questions online, or working one-on-one with a student in a video lesson.
12. Virtual assistant job
You can make money from home as a virtual assistant by doing administrative tasks for clients online. You don’t need anything to get started other than a computer or laptop.
Virtual assistants, or VAs, do tasks similar to administrative assistants, but they work from home or anywhere with internet.
Virtual assistants do things like:
Email management – Answering and organizing emails
Calendar management – Scheduling appointments, meetings, and events
Administrative support – Preparing reports, presentations, and documents
Travel arrangements – Booking flights, hotels, and transportation for business trips
Internet research – Doing online research on topics to write about, competitors, products, etc.
Personal tasks – Booking appointments or making dinner reservations
I’ve been a virtual assistant before (it was actually one of my first online jobs, and I liked how I didn’t have to spend money to become a VA), and I also have one who works for me, so I know how useful they can be! Plus, you don’t need anything expensive to get started.
13. Social media influencer
Being a social media influencer is a real way to make money online without any initial cost, and plenty of people have started their social media accounts by spending absolutely $0. In fact, I think most people start as just a hobby!
You can start with just your phone, by taking pictures and sharing your thoughts on social media accounts like Instagram, TikTok, and Facebook.
You can earn money as a social media influencer through sponsored posts, where brands pay you to promote their products or services in your posts. You can also make money through affiliate marketing, where you earn commissions from sales made through your referral links. Plus, you can sell digital products like ebooks or online courses.
I’ve been a social media influencer for years, monetizing my Instagram and Facebook accounts. It’s allowed me to collaborate with brands I love and promote products I already use.
14. Transcriptionist
Becoming a transcriptionist can be a good choice to make money online without upfront costs. This is something that you can learn to do, and transcriptionists usually make around $15 per hour.
As a transcriptionist, you can earn money from home by turning audio files or video files into written documents. Clients can include marketers, authors, filmmakers, academics, speakers, and conferences.
To find transcription jobs, some places to start include:
Rev – Transcribers on Rev earn an average of $245 per month, with top earners making up to $1,495.
CrowdSurf – CrowdSurf pays for short transcription tasks, which are great for those looking for quick, manageable projects.
TranscribeMe – This platform is good for beginners as they give training and only require a reliable internet connection and computer.
Recommended reading: 18 Top Online Transcription Jobs For Beginners
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
15. Video gaming livestreams
Yes, you can make money online with no upfront costs by live streaming (such as a video game that you like to play). Eventually, you may want to upgrade to higher-quality equipment, but you can start right away with what you already have – your computer and phone.
Twitch is a website where you can make money by playing video games, talking with viewers in real time through live streams, and more.
As your viewer count grows, you can start making money. Streamers can earn through ways such as:
Subscriptions – Your fans can pay a monthly fee to support you as subscribers.
Donations – Viewers can send you tips if they enjoy your stream.
Advertisements – You can get paid from ads that run on your live stream.
Sponsorships – Companies may pay you to promote their products.
Recommended reading: How Much Do Twitch Streamers Make?
16. YouTube
Starting a YouTube channel is a popular way to make money online without any initial investment. You can record videos from your phone or camera, and you don’t really need anything else to get started in the beginning.
You can start a YouTube channel about many different topics like finance, home, travel, toys, pets, and more. There’s a YouTube channel for almost anything nowadays, and there’s still space for more!
In your YouTube videos, you can include links to products you recommend, earn money from ads that play during your videos, get paid by brands to feature their products, and even sell your own stuff.
17. Freelance graphic design
As a graphic designer, you can earn money online without investing any money up front. You can create designs such as logos, social media graphics, and branding materials for clients.
To start, you will most likely want to create a simple but impactful portfolio to display your work. This is your opportunity to show your abilities to potential clients, so you will want to include your favorite projects and what reflects your design style.
You can also sign up on freelance sites like Fiverr where businesses look for designers like you.
18. Virtual bookkeeping
Bookkeepers manage financial records, track expenses, and generate financial reports; it requires attention to detail and strong organizational skills.
This job typically pays more than $40,000 a year. Plus, many types of businesses require bookkeepers, making it a great career choice with opportunities for growth.
Even better, you can do this job from home using your computer and the internet.
Yes, you don’t need a degree to be a bookkeeper. You can start by learning basic bookkeeping and the software most businesses use.
If you want to become a bookkeeper, there is a free workshop all about finding a virtual bookkeeping job, and you can sign up for free here.
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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.
19. Write an ebook
Writing an ebook can be a way to make money without needing upfront investment, other than your time and effort. This is something you can do yourself too, such as through the self-publishing route on Amazon.
Ebooks are digital books that you can download and read on devices like tablets, phones, e-readers, or laptops. They’ve become very popular because they’re affordable and easy to access.
I’ve purchased many ebooks myself, ranging from nonfiction to fiction, and many, many other people have as well.
Recommended reading: How this person is making $200 a day in book sales passively.
20. Online travel agent
A travel agent is a professional who helps people plan and book trips, vacations, and other travel arrangements. They give their expertise and support in finding the best deals on transportation, accommodations, and activities, considering their clients’ preferences, budgets, and needs.
Travel agents also give helpful advice on destinations, suggest itineraries, arrange tours and excursions, and handle logistics such as flights, hotels, car rentals, and travel insurance.
There are many different kinds of niches you can sell vacations and trips in, such as luxury travel, cruises, Disney, budget travel, and adventure holidays.
21. Write book reviews
If you enjoy reading and talking about books, you can make money by writing reviews at home. Authors and publishers want to hear your honest opinions because they help other readers choose their next book. Readers also like these reviews, so it benefits everyone involved.
You don’t need anything other than your computer (or even just your cell phone) to write the reviews. Many times, the book is given to you to review, so you don’t even have to pay for that.
This is typically more of a side gig for spare cash and free books.
Here are some websites where you can make money online by writing book reviews:
OnlineBookClub.org – They give free books for your first book review (and no other payment). After your first review, you can earn cash for each review, usually between $5 and $60.
Kirkus Media – They look for reviewers for both English and Spanish books, particularly in the Kirkus indie section. Reviews involve around 350-word summaries due two weeks after receiving the book. They cover all genres, with over 10,000 books reviewed annually.
Upwork – Create a profile as a book reviewer on this freelance platform. You can choose projects that interest you and set your own rates.
The US Review of Books – They hire freelance writers for 250- to 300-word reviews that go beyond summarizing to provide insights into the book. To join, submit a resume, writing samples, and a couple of references.
Reedsy Discovery – Review books before they are published and get paid through tips from readers, ranging from $1 to $5. It’s an exciting way to influence which books become popular.
Learn more at 16 Best Ways To Get Paid To Read Books.
22. Online job opportunities
There are many more ways to make money online that won’t cost you money to get started, and these include:
Finding remote part-time or full-time jobs – If you want a full-time income or are interested in part-time work, popular job search platforms like Indeed can help. They help you find jobs that fit your schedule where you work for someone else as an employee, such as software engineer, developer, human resources manager, IT manager, and more.
Customer service and support jobs – As an at-home customer service rep, you would work for companies, answering customer questions and issues that they may be having.
Data entry and administrative jobs – Data entry jobs are ideal for you if you have a good eye for detail and can work independently.
These are all jobs where you would be working for someone else, but online from home. The company would normally provide you everything you need to get started, such as any software and possibly even the laptop as well.
Frequently Asked Questions
Below are answers to common questions about how to make money online without paying anything.
How can I make money online completely for free?
There are many ways to make money online completely for free. You can start a blog, freelance write, bookkeep, write book reviews, sell stock photography, or become a virtual assistant.
How can students earn money online without any investment?
Students can make money online without any investment by answering online surveys, tutoring online, freelance writing, proofreading, blogging, and more. Whether you want to make extra cash or a full-time income, there are many options for students.
How to Make Money Online Without Paying Anything – Summary
I hope you enjoyed this article on how to make money online without paying anything.
Getting started with making money online might feel overwhelming and impossible, but it’s not impossible if you do it right.
The internet has many places where you can show off your skills as a writer, artist, or tutor. You can also sell items online, or even play games and give your opinion in surveys.
What other ways are there to make money online for free without investment?
Tyler, The Creator, a name synonymous with innovation, creativity, and sheer talent, has not only made waves with his groundbreaking tracks but also through his impressive forays into fashion and entrepreneurship.
With two Grammy Awards under his belt and a net worth that’s the envy of many, it’s only fitting that Tyler’s living situation mirrors his larger-than-life persona.
Set in the lush, exclusive neighborhood of Bel Air, California, Tyler, The Creator’s house is a sprawling mansion that screams luxury and showcases Tyler’s unique sense of style. And it’s a significant upgrade from the rapper’s previous abode — set nearby.
That’s right, the hip-hop heavyweight, who’s also a founding member of the rap collective Odd Future is now a real-life Prince of Bel Air (and the spot was right open, as the OG Fresh Prince, Will Smith, lives in Calabasas).
He recently traded a $7 million, one-story residence originally built in 1965 for a distinctly modern, three-story home (with an endless list of amenities) also located in Bel Air. And, just in case you were wondering where Tyler, The Creator lives nowadays, we’re here to give you a closer look at his home upgrade.
The house at a glance
Fresh off the heels of his launch of a deluxe re-release of his Grammy Award-winning album, Call Me If You Get Lost: The Estate Sale, Tyler — by his real name, Tyler Gregory Okonma — splurged on a $13 million mansion in the ritzy Bel Air neighborhood.
Tucked away on a woodsy parcel sitting on almost an acre of land, Tyler paid $2 million less than the asking price for his newly renovated (or rather, rebuilt) property.
The house had been listed for sale in November 2022 for $15,000,000 and Tyler purchased it three months later, with public records showing that the sale went through right before Valentine’s Day on February 14, 2023, giving himself a grand self-gift that rivals the best box of chocolates.
And the property isn’t just your regular house; it’s a 5,000-square-foot modern marvel sitting on nearly an acre of prime Bel Air land.
With 4 bedrooms, 6 bathrooms, and an open floor plan that seamlessly merges indoor and outdoor living, the property is a dream come true for anyone with a penchant for the finer things in life. Swipe through the photos to see inside Tyler’s house:
Completely rebuilt one year before Tyler purchased it, the three-level house replaced another three-story structure built in the early 1970s, meaning the WusYaName singer is basically living in a newly built home.
Designed with an eye for contemporary elegance and a nod to rustic charm, the mansion boasts breathtaking views of the city and ocean, making every moment in this house an experience in itself.
From the custom Brazilian wood floors with a white oak finish to the steel case windows that frame the stunning vistas outside, every detail in Tyler’s home has been curated to offer not just comfort but a statement of luxury.
The inclusion of a step-up cigar lounge and a formal living room adds layers of sophistication, making the house not just a living space but a venue for artistic inspiration and high-end entertainment.
Standout amenities for the modern music mogul
But what sets Tyler, The Creator’s Bel Air mansion apart are the amenities that cater to every conceivable luxury.
Let the property’s former real estate agent, Ben Bacal — who held the listing alongside his colleague Rachael Williams from Revel Real Estate — give you the gist of things in this quick video tour posted on his Instagram profile when the house was first listed:
The saltwater swimming pool is a centerpiece of the outdoor area, perfect for those sunny California days.
For movie enthusiasts and cinephiles, the state-of-the-art movie theater offers an immersive experience without ever needing to step outside.
Health and wellness are also a priority, with a dry sauna available for a detoxifying session after a long day. The expansive wood deck, complete with a fire pit, full bar, and gas grill, ensures that entertaining guests is always a breeze, providing a perfect blend of ambiance and amenities for any gathering.
In a world where privacy is a luxury, this property, hidden behind private gates and surrounded by a tranquil woodsy setting, offers a serene escape from the hustle and bustle, giving the Grammy Award-winning rapper the much-needed privacy he deserves.
Yet, it’s the home’s tech-driven features, from the sophisticated smart home controls to the luxury of an 8-car parking space, that underscore Tyler’s penchant for the cutting edge.
The other Bel Air home Tyler sold
Tyler, The Creator’s decision to snap up another Bel Air mansion doesn’t come as much of a surprise, as the Igor rapper has long been calling the upscale Los Angeles neighborhood home.
Prior to his $13 million manse purchase, Tyler owned another Bel-Air abode, a lovely mid-century home with contemporary interiors — which he listed for sale in late 2022 for $7 million.
Tyler, the Creator Lists Bel Air Contemporary at a Loss https://t.co/qZL7wmKGCH pic.twitter.com/BDHybb9qR9
— Maniaci Real Estate Group (@ManiaciREGroup) December 17, 2022
The single-story home was built in 1965, but heavily updated sometime in the 1950s.
Sporting 4 bedrooms, 4.5 baths, a large living room with a fireplace, a huge primary bedroom with two walk-in closets, and a home theatre, the house clearly wasn’t a good fit for the Call Me If You Get Lost rapper.
Less than a year after purchasing it, Tyler listed that property at a loss (he paid $7.9 million for it just 12 months prior).
Hopefully, he’s now found the right fit with his new $13 million Bel Air abode.
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When Don’t Worry Darling hit the screens, it wasn’t just the twisted plot and star-studded cast that captured our attention.
The real scene-stealers were the homes and the perfectly manicured fictional neighborhood of Victory, set against the sun-drenched backdrop of Palm Springs.
This desert oasis, long revered for its midcentury modern gems and luxury living, served as the ideal setting for the movie’s 1950s utopian town vibe — making everyone yearn for the idyllic Victory neighborhood and the picture-perfect homes that line its streets.
Let’s dive into the real homes that brought the eerie allure of Victory to life and discover if you can sneak a peek at them in real life.
Where to find the Victory neighborhood
The picture-perfect neighborhood of Victory in Don’t Worry Darling plays a crucial role in establishing the film’s eerie, utopian setting that belies a darker, more sinister undercurrent.
This idyllic 1950s town, modeled on American suburbia but with a sureal, futuristic edge, serves as a visual representation of the film’s central themes around societal perfection, control, and the unsettling reality beneath the surface of a seemingly perfect community.
And yes, a real neighborhood was used to create Victory on-screen. The filming primarily took place in Greater Palm Springs, an area renowned for its preserved mid-century modern architecture and luxury desert living, which perfectly complemented the movie’s aesthetic.
Palm Springs provided the quintessential backdrop for the storyline, with its sprawling desert landscapes, iconic midcentury modern homes, and clear blue skies, embodying the visual and thematic essence of the Victory town.
Related: Suzanne Somers’ beloved 28-acre Palm Springs retreat re-lists for $8.95 million
Specific locations within Palm Springs, such as the Canyon View Estates and the iconic Kaufmann House, were used to depict the homes of the characters, adding authenticity and a touch of architectural appeal to the film’s setting.
These real homes and neighborhoods lent Don’t Worry Darlin” a tangible sense of place and time, grounding the film’s more surreal elements in a recognizable, albeit stylized, reality.
Victory’s vintage vibes & its picture-perfect homes
Frank’s fortress: The Kaufmann House
At the heart of Victory’s mystery is Frank’s (played by Chris Pine) home, carefully picked to reflect his status as the project’s mastermind.
And director Olivia Wilde, whose elegant filmmaking techniques shine throughout the movie, made sure an unforgettable filming location was picked to serve as Frank’s house: the iconic Kaufmann House.
This architectural marvel, also known as the Kaufmann Desert House, was built in 1946 by Richard Neutra for Edgar J. Kaufmann and screams mid-century modernism with its clean lines, steel frame, and glass walls.
Fun fact: You might already be familiar with Kaufmann’s other iconic residence. The department store magnate and architecture connoisseur also commissioned Frank Lloyd Wright to design his home in Pennsylvania, the unforgettable Fallingwater House (now a UNESCO World Heritage Site). While the Don’t Worry Darling-featured Kaufmann House doesn’t quite have that level of pedigree, it’s nevertheless a famous structure in its own right.
Known globally, partly thanks to Slim Aarons’ iconic Poolside Gossip photograph, the Kaufmann House is a structure that encapsulates the essence of Palm Springs living. So much so, that even the production team was surprised they managed to film at this iconic location.
However, they did have to tread carefully when shooting scenes here.
Katie Byron, production designer for the film, told Variety that “We were shooting in one of the most historic buildings in California. The restrictions of how we could shoot it and what we could do inside were definitely the highest I’ve ever worked with.”
But the team knew all too well that they were lucky to land such an ideal filming location for their shots.
“It was so special to get, since Neutra was obviously a very good reference for the design of the film,” Byron said. “He was a design inspiration for Victory, but also kind of a character inspiration.”
While Don’t Worry Darling offers us a rare glimpse inside this private residence, don’t get your hopes up for a tour. This landmark remains off-limits to the public, but a leisurely drive by 470 West Vista Chino lets you admire its exterior.
Alice and Jack’s midcentury home: Canyon View Estates
The quaint cul-de-sac home of Alice and Jack mirrors the classic ’50s bungalow style, and is nestled within Canyon View Estates at 2400 S Sierra Madre, in Palm Springs, CA.
These single-story homes, with their expansive windows and open floor plans, reflect the era’s architectural ethos, designed by Dan Palmer and William Krisel.
Though the interiors were movie magic, the exteriors are very real and part of a community with a shared pool and green space.
These homes are privately owned, so while moving in might not be an option, a bike ride through the neighborhood is a must for any architecture aficionado.
Beyond the suburbia: The Volcano House
Stepping out of Victory and into the Mojave Desert, the Volcano House sits atop its hill like a landed UFO, ready to whisk you away.
This unique, dome-shaped residence set right outside of Barstow, Calif. in Newberry Springs and designed by Harold James Bissner Jr added an extra layer of otherworldliness to Don’t Worry Darling.
Though originally built for Vard Wallace and featuring 360° panoramic desert views, this peculiar piece of architecture is now privately owned.
While you can’t tour the inside, it’s visible from the road for those willing to venture into the desert to catch a glimpse of where reality meets the surreal.
Can you visit these architectural beauties?
While the Kaufmann House and the Volcano House remain off-limits to public tours, Palm Springs itself is an open book, ready to be explored.
The city is a living museum of mid-century modern architecture, with each building and estate telling its own story of a bygone era that still resonates today. Canyon View Estates offers a more accessible glimpse into the style and spirit of the 1950s, even if it’s just from the sidewalk.
Don’t Worry Darling might have brought these locations into the limelight, but their stories extend far beyond the silver screen.
Whether you’re a film fanatic, an architecture enthusiast, or just in search of some desert glam, a pilgrimage to Palm Springs offers a peek into the world that inspired the movie’s mesmerizing backdrop. So, grab your camera and a map, and set out on a journey to where history, architecture, and cinema collide.
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With sand, sun and sea stretching an impressive 825 miles across the state, Florida is the clear choice for visitors who want to enjoy some time at the beach. In fact, about a third of all travelers will head to at least one of the state’s beaches while visiting.
Beaches can be found along the state’s Panhandle in the north, the Gulf of Mexico in the west and the Atlantic Ocean on its east coast. And don’t forget the dozens of islands that make up the Florida Keys along the state’s southern end.
While it may be impossible to definitively tell you what the best beach in Florida is, here are several contenders for the top spot.
Florida beaches overview
Depending on where you go in Florida, you could end up swimming in one of two bodies of water. The beaches in the Panhandle and down the west side of the state border the Gulf of Mexico, while those on the eastern side of the state sit on the Atlantic Ocean.
What’s the difference? If you’re an early riser and want to watch the sun rise over the water, choose a beach on the Atlantic side, where you’ll find large waves and golden-brown sand. If you prefer catching a vibrant sunset instead, head to the Gulf, where the sand is often whiter and waves are smaller.
It’s warm enough to swim everywhere in Florida between April and October. The further south you go, the warmer the water is in the winter.
During the summer, the Gulf is warmer than the Atlantic. Its waters can reach 90 degrees Fahrenheit or warmer — sometimes the water is even warmer than the air. Meanwhile, the waters of the Atlantic usually remain in the 80s. For some perspective, most people will be comfortable swimming when the water is about 75-80 degrees.
🤓Nerdy Tip
Many Florida beaches have areas where pets can run off-leash, but make sure to check the specific regulations of the beach you’re visiting before you bring your pet.
Some beaches have lifeguards on duty as well as amenities like bathrooms and snack shacks, while others are more rustic without much in the way of services.
Best beaches to visit in Florida
1. South Beach
With its Art Deco architecture, hip restaurants and bars, and lots of nightlife, Miami’s two-mile long South Beach is the place to see and be seen. Visitors and locals alike also come here to enjoy Lummus Park, a beachside spot featuring playgrounds, walking trails, a fitness area and plenty of popular events.
2. Hollywood Beach
Hollywood Beach, a family-friendly spot just south of Fort Lauderdale, has clean beaches and a pedestrian promenade, known as the Broadwalk, that features restaurants, shopping and hotels.
If the kids tire of sandcastles and waves, they can visit Charnow Park with its playgrounds and interactive fountain. It’s a good mix of old-Florida charm and modern amenities.
3. Daytona Beach
Farther north on the Atlantic coast, Daytona Beach comes with hard-packed sand and a gentle slope leading to the water — ideal for learning to surf. Here, you’ll find 23 miles of coastline along with plenty of hotels, shops and restaurants.
It’s also one of the few places you can actually drive on the beach — very slowly and tide permitting — for $20 a day per vehicle.
4. Panama City Beach
Up in the Panhandle is Panama City Beach, known for its 27 miles of emerald green waters and sugar sand. Those who fish or dive love the area because of the many artificial reefs just offshore. Plus, the water is some of the clearest in the state.
Many of the beaches face west, meaning the sun sets directly over the water, making for spectacular views.
5. Destin
The Destin and Fort Walton Beach areas are called the Emerald Coast for a reason: The water off the 24-mile stretch of beach is often a vibrant green. Beyond the usual beach attractions of wharfs and piers, Crab Island is a big draw. Not actually an island but a raised sandbar, it’s a place where boaters can hang out, enjoy camaraderie and take advantage of a floating bar in the middle of it all.
6. Clearwater Beach
Farther south along the Gulf coast, near Tampa Bay, is Clearwater Beach. Over the years, it’s been named by many as the top beach in the country. The beach sits on a barrier island and touts 35 miles of sand along with hotels, restaurants and activities including an aquarium and alligator sanctuary.
Visitors can also visit Pier 60, a 1,080-foot fishing pier that hosts a nightly sunset festival.
The best beaches in Florida state parks
Many of Florida’s beaches are located in state parks. They cover 100 miles of coastline across the state, but are usually more undeveloped. Some are home to both nesting sea turtles and shorebirds. The state parks also participate in sand dune and reef conservation efforts to protect the areas from storms, filter out pollutants and serve as fish nurseries.
7. Dr. Julian G. Bruce St. George Island State Park
Located on a barrier island in the Panhandle just south of Tallahassee, St. George Island State Park is a great spot for laid-back beach goers and nature lovers.
It was named the top beach in the country in 2023 by coastal expert Stephen Leatherman (“Dr. Beach”), who releases a well-known annual U.S. beach ranking. The state park’s beach won accolades due to its nine miles of undeveloped beaches, natural beauty and clear water.
8. Fort Zachary Taylor Historic State Park
Fort Zachary Taylor Historic State Park is on the southern end of Key West, where the Atlantic Ocean and Gulf of Mexico meet. In addition to swimming, snorkeling and fishing, visitors can tour Fort Taylor, a national historic monument that played roles in both the Civil and Spanish-American wars.
9. Honeymoon Island and Caladesi Island State Parks
Located near Dunedin just north of St. Petersburg, both Honeymoon Island State Park and Caladesi Island State Park consistently top the list of Florida’s best beaches.
While Caladesi Island is only accessible by boat, nearby Honeymoon Island’s four miles of beach can be reached by car. It’s also where you can catch the ferry to Caladesi Island.
Other good Florida beach options
In case you still haven’t found the perfect destination for your dream beach vacation, here are a handful of other beaches around the state that may hit the spot.
10. Siesta Key
Located on the Gulf coast about halfway down the state is Siesta Key. The eight-mile island is connected by bridge to Sarasota and has plenty of shopping, dining and sports options. It’s loved by visitors because of its clear and calm water, powdery white sand and outdoor recreation opportunities like parasailing and volleyball.
11. Space Coast beaches
The 72 miles of shoreline along the Atlantic Ocean near Cape Canaveral is called the Space Coast. As some of the closest beaches to Orlando, they’re a great choice for travelers wanting to combine a beach trip with some of Florida’s famous theme parks.
The most popular beach in the area is Cocoa Beach. Home to Ron Jon Surf Shop, the world’s largest surfing store, it’s a great place to ride the waves and meet fellow surfers. If surfing isn’t your thing, you can try other activities like kayaking, deep sea fishing and kiteboarding.
And visitors of all ages can enjoy a visit to the nearby Kennedy Space Center. If you time your visit to the Space Coast right, you might even be treated to a rocket launch.
12. Fort Myers beaches
Before Hurricane Ian slammed into Fort Myers Beach and nearby Sanibel and Captiva Islands in September 2022, the area consistently found itself at the top of many lists of Florida’s best beaches.
As businesses continue to rebuild, there’s still plenty of sand and sun for those willing to come. Shell collectors should head to Sanibel or Captiva Islands, where these ocean treasures can be had in spades thanks to the region’s ocean currents and coastline orientation.
13. Jacksonville beaches
Some of the northernmost beaches on Florida’s Atlantic coast are in the Jacksonville area and include St. Augustine and Ponte Vedra. Dubbed the Historic Coast, there are 42 miles of beachfront to explore, including at Fort Matanzas National Monument, which was built in 1742 by the Spanish military to defend the area.
Driving on the sand is allowed in designated areas along St. Augustine Beach for a fee. And if you need a break from the water, Ponte Vedra Beach offers many world-renowned golf courses.
Florida beaches recapped
If you’re in the mood for a beach vacation, heading to Florida is a great option. With hundreds of miles of coastline spanning two bodies of water, it would take years — if not a lifetime — to explore it all.
Whether you want to combine your beach trip with a visit to Walt Disney World and the Kennedy Space Center, or you prefer the low-key vibes of a state park, Florida has you covered.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
MILWAUKEE, March 11, 2024 /PRNewswire/ — Northwestern Mutual announced today that 18 of its financial advisors earned a spot on the annual Barron’s Top 1,200 Financial Advisors list of the nation’s top wealth managers. This prestigious recognition is a testament to the skill and dedication of Northwestern Mutual’s honorees – trusted experts who are helping … [Read more…]
The median annual wage for speech pathologists in the U.S. is $84,140, according to the latest data from the U.S. Bureau of Labor Statistics (BLS). But salaries can vary significantly, ranging from less than $56,370 to more than $126,680.
How much money you can make as a speech-language pathologist may depend on several factors, including the industry in which you work, the level of education you attain, and where you live.
Here’s a look at what speech pathologists do and how they are paid.
What Is a Speech Pathologist?
Speech pathologists are health care providers who evaluate, diagnose, and treat children and adults who are experiencing communication difficulties because of speech, language, or voice problems. They also may treat clients who are struggling with developmental delays, memory issues, or who have trouble swallowing.
Speech pathologists typically work in a school, hospital, or rehabilitation/nursing home setting, or they may open their own practice. They often work as part of a multi-disciplinary team that also provides occupational therapy, physical therapy, and other types of care.
All speech pathologists must be licensed. While the qualifications can vary by state, a master’s degree from an accredited university is often required, along with several hours of supervised clinical experience, a Certificate of Clinical Competence in Speech-Language Pathology (CCC-SLP) from the American Speech-Language Hearing Association (ASHA), and a passing grade on a state exam.
Depending on the work you plan to do, other certifications may be required by your employer, including a teaching certificate if you practice in an educational setting. 💡 Quick Tip: When you have questions about what you can and can’t afford, a spending tracker app can show you the answer. With no guilt trip or hourly fee.
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How Much Do Starting Speech Pathologists Make a Year?
Speech-language pathologists with one to three years of experience earned a median salary of $74,000 in 2023, according to the ASHA’s SLP Health Care Survey Salary Report. The job site ZipRecruiter lists Massachusetts, Washington, Colorado, Delaware, and Illinois as the states where speech pathologists currently earn the highest entry-level salaries.
Recommended: High-Paying Vocational Jobs for 2024
What Is the Average Salary for a Speech Pathologist?
So how much can you expect to make per year if you stay with a career as a speech pathologist?
The 2023 SLP Health Care Survey Salary Report found that several factors can have an impact on speech pathologists’ earnings, including job duties, the type of facility where they’re employed, if they work full- or part-time, if they’re paid a salary vs. hourly wage or on a per-visit basis, and whether they work in a region with a higher cost of living.
Here are the average annual salaries for speech pathologists by state.
Average Speech Pathologist Salary by State
State
Average Annual Salary
Alabama
$81,140
Alaska
$90,279
Arizona
$83,423
Arkansas
$68,644
California
$94,592
Colorado
$87,186
Connecticut
$80,836
Delaware
$82,742
Florida
$66,895
Georgia
$75,588
Hawaii
$87,406
Idaho
$90,774
Illinois
$80,442
Indiana
$85,185
Iowa
$80,542
Kansas
$75,362
Kentucky
$72,228
Louisiana
$73,799
Maine
$91,996
Maryland
$80,211
Massachusetts
$90,970
Michigan
$72,246
Minnesota
$84,527
Mississippi
$80,048
Missouri
$77,637
Montana
$82,167
Nebraska
$78,728
Nevada
$85,362
New Hampshire
$88,375
New Jersey
$89,146
New Mexico
$84,483
New York
$98,990
North Carolina
$75,258
North Dakota
$89,084
Ohio
$82,280
Oklahoma
$76,241
Oregon
$89,146
Pennsylvania
$90,666
Rhode Island
$82,571
South Carolina
$76,844
South Dakota
$84,193
Tennessee
$78,555
Texas
$90,424
Utah
$78,424
Vermont
$97,120
Virginia
$81,864
Washington
$110,930
West Virginia
$70,022
Wisconsin
$87,933
Wyoming
$86,602
Source: ZipRecruiter
Recommended: Cost of Living by State
Speech Pathologists Job Considerations for Pay and Benefits
If you decide speech pathology is the right fit for you, you may not need to worry about job security. The BLS is projecting that employment of speech pathologists will grow by 19% over the next decade, which is much faster than the average for all occupations combined.
Therapists are needed more than ever to assist aging baby boomers and others who’ve experienced a stroke, hearing loss, dementia, or other health-related issues. And there is an increasing need for those who wish to work with kids and adults on the autism spectrum. Therapists are also needed to help children overcome speech impediments and other communication issues.
A career as a speech pathologist also can offer a competitive paycheck. While the BLS reported the median weekly earnings for all full-time workers was $1,145 in the fourth quarter of 2023, the average weekly paycheck for a speech pathologist was $1,652, according to ZipRecruiter.
Of course, the pay and benefits you receive will likely be tied to the job you choose. If you’re employed by a public school district in a rural community, for example, you may not earn as much as a department head at a large health facility in a major city. Still, you can expect to receive benefits similar to other workers in the health-care field, including health insurance, a retirement plan, vacation pay, etc.
As you weigh your career decisions, consider using online tools to ensure you’re staying on track with your personal and financial goals. A money tracker app, for example, can help you create a budget and keep an eye on your spending and your credit score.
Pros and Cons of a Speech Pathologist’s Salary
Probably the biggest downside of choosing a career as a speech pathologist is the amount of time and money it can take just to get started. After getting your bachelor’s degree, it may take two or more years to complete your master’s degree and clinical training. Depending on the career path you choose, you also may need to earn certain certifications along with your state license to practice. And it may take some time to pay off your student debt.
On the plus side, you’ll be helping others in a career that can be extremely fulfilling, and you can earn a comfortable living while doing so.
Here are some more pros and cons to keep in mind.
Pros:
• As a speech pathologist, you will be helping others and, in many cases, changing lives.
• You’ll be working and networking with other professionals who will help you keep learning.
• You may be able to design a schedule that fits your needs (especially if you have your own practice).
Cons:
• You may have an overwhelming caseload, and the work could be frustrating and stressful at times.
• You may have to work nights and weekends (even with a job in education or in private practice).
• The paperwork can be daunting and may require working overtime or taking work home to keep up. 💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.
The Takeaway
Working as a speech pathologist can be professionally rewarding. Not only is the field growing, it tends to pay well, too. However, you can expect to make a substantial investment in time and money before you get the job you want. And how much you earn — especially when starting out — can depend on several factors, including the specialty you choose, who your employer is, and where you’re located.
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FAQ
Can you make $100,000 a year as a speech pathologist?
Yes. While the median annual wage for speech-language pathologists in the U.S. is $84,140, the highest 10% of earners in this category make six-figure salaries.
Do most speech pathologists enjoy their work?
Speech-language pathologists came in at No. 3 on U.S. News & World Report’s ranking of “Best HealthCare Jobs” for 2024 and No. 10 on the news site’s list of “100 Best Jobs.” While the career was rated above average for stress, it received high ratings for both flexibility and opportunities for upward mobility.
Is it hard to get hired as a speech pathologist?
According to the U.S. Bureau of Labor Statistics, the job outlook for speech pathologists is good, and should be solid for the next decade. If you get the proper education and training, and you have a passion for helping others, it shouldn’t be too difficult to find work in this profession.
Photo credit: iStock/akinbostanci
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The median annual wage for psychologists in the U.S. is $85,330, according to the latest data from the U.S. Bureau of Labor Statistics (BLS). But salaries can vary significantly, ranging from less than $50,000 to more than $140,000.
How much money you can make as a psychologist may depend on several factors, including the industry you choose to work in, the level of education you attain, and where your job is located. Here’s a look at what psychologists do and how they are paid.
What Are Psychologists?
Psychologists are mental health professionals who are trained to help individuals and groups understand and address various behavioral, emotional, and organizational challenges. There are several different types of psychologists, including:
• Clinical and counseling psychologists, who evaluate, diagnose, and treat mental, emotional, and behavioral disorders such as depression, anxiety, grief, anger, and addiction.
• Industrial/organizational psychologists, who help organizations solve workplace issues and improve work-life balance.
• School psychologists, who specialize in dealing with problems that can affect students’ behaviors and learning.
• Neuropsychologists, who study how damage to a person’s brain or body can impact behavior and cognition.
• Forensic psychologists, who may collaborate with various law enforcement agencies, attorneys, judges, and others on certain aspects of a legal case.
It’s important to note that a psychologist is not the same thing as a psychiatrist, though they are often confused. A psychiatrist is a medical doctor who can prescribe medications. A psychologist typically holds a doctoral degree in psychology, which is a social science. 💡 Quick Tip: We love a good spreadsheet, but not everyone feels the same. An online budget planner can give you the same insight into your budgeting and spending at a glance, without the extra effort.
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What Does It Take to Become a Psychologist?
Do you have good observational skills? Are you a problem solver? Do you pride yourself on your ability to build a rapport with others? Do you have empathy for those who are experiencing emotional or behavioral issues?
If so, you may find you’re well-suited for a career as a psychologist. But you’ll also have to get the education and training necessary for the job.
Psychologists usually must have at least a master’s degree to get into the field, and depending on what type of work you hope to do, you may need a doctoral degree as well. Clinical and counseling psychologists, for example, typically need a Doctor of Philosophy (Ph.D.) in psychology or a Doctor of Psychology (Psy.D.) degree.
Industrial-organizational psychologists usually earn at least a master’s degree, with coursework that focuses on understanding how people behave in the workplace. School psychologists also may need at least a master’s degree with a focus on student development and other educational issues. And most degree programs can also require an internship and clinical experience.
Most states also require psychologists to obtain a license. And there are several certifications available that specific employers may require.
Recommended: High-Paying Vocational Jobs for 2024
How Much Do Starting Psychologists Make a Year?
The average salary for a starting psychologist in 2024 is $89,326, according to the job site Salary.com, but entry-level salaries currently can range from $75,493 to $101,117.
Of course, the work you do, your education level, certifications, and even your work location can impact how much you might earn as a beginning psychologist. The job site ZipRecruiter lists Washington, New York, Vermont, California, and Maine as the states where starting clinical psychologists currently earn the most money.
What Is the Average Salary for a Psychologist?
So, how much can you make per year if you choose a career as a psychologist?
You can expect your specialty to have a big influence on how much you earn. According to BLS statistics, industrial-organizational psychologists currently earn the highest salaries, while school psychologists earn the least.
Staying up to date by continuing your education and training may help boost your salary as well. And building a reputation through research and publishing can also make a psychologist more valuable to employers and clients.
If you’re hoping to negotiate for a more competitive paycheck, it’s important to remember that salaries — or how much a psychologist makes an hour — may be affected by the cost of living or demand in a particular region. Here’s how psychologists’ average annual salaries break down by state based on ZipRecruiter data.
Average Psychologist Salary by State
State
Average Annual Salary
Alabama
$129,310
Alaska
$176,920
Arizona
$132,948
Arkansas
$130,467
California
$145,770
Colorado
$165,086
Connecticut
$132,272
Delaware
$155,187
Florida
$106,610
Georgia
$120,463
Hawaii
$173,156
Idaho
$139,446
Illinois
$152,897
Indiana
$135,754
Iowa
$131,180
Kansas
$123,671
Kentucky
$138,059
Louisiana
$119,804
Maine
$142,367
Maryland
$150,294
Massachusetts
$174,781
Michigan
$136,667
Minnesota
$137,219
Mississippi
$131,343
Missouri
$146,175
Montana
$130,944
Nebraska
$147,086
Nevada
$167,279
New Hampshire
$139,791
New Jersey
$143,454
New Mexico
$136,445
New York
$156,917
North Carolina
$141,923
North Dakota
$176,893
Ohio
$133,380
Oklahoma
$142,442
Oregon
$177,795
Pennsylvania
$143,748
Rhode Island
$164,679
South Carolina
$144,913
South Dakota
$167,182
Tennessee
$127,338
Texas
$138,507
Utah
$127,431
Vermont
$153,232
Virginia
$152,942
Washington
$169,179
West Virginia
$111,019
Wisconsin
$142,067
Wyoming
$137,573
Source: ZipRecruiter
Recommended: Cost of Living by State
Psychologist Job Considerations for Pay and Benefits
Besides a pretty good paycheck, another plus to becoming a psychologist is that you may not have to worry about job security. The BLS is projecting overall employment of psychologists will grow by 6% over the next decade, which is faster than the average for all occupations combined. And job growth for those who specialize in clinical and counseling psychology is projected to grow by 11%.
Of course, the pay and perks you’ll receive as a psychologist will likely be tied to the specialty you choose and the salary negotiation tactics you use. Whether you’re a school psychologist or work for a major corporation, you can expect to be offered benefits such as health insurance, a retirement plan, paid time off, and opportunities for continuing education.
Depending on the type of work you do, you may also be able to participate in profit-sharing, receive regular bonuses, work a flexible schedule, or earn income from consulting or writing books. 💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.
Pros and Cons of a Psychologist’s Salary
Probably the biggest downside of choosing a career as a psychologist is the amount of time and money it can take just to get started. After getting your bachelor’s degree, it may take two or more years to complete your master’s degree, and then another four to seven years to earn your doctorate degree. Add on even more time for training — and to study for your license — and it could be several years before you can pursue the job you want. And by that time, you may have some substantial student debt to pay down.
On the plus side, you’ll be in a career that can be both personally and financially rewarding.
Here are some more pros and cons to consider:
Pros
• You’ll be helping people. As a psychologist, you can have a meaningful impact on others, whether you’re working with children or adults.
• The demand (and respect) for psychological services is increasing, as mental health is now considered an important part of our overall well-being.
• Whether you’re drawn to research, counseling, or clinical practice, a career in psychology can offer a wide array of job options. You may even be able to design a job and flexible schedule that suits your needs.
• You may benefit personally from skills like empathy, critical thinking, and creative problem-solving that you gain as a psychologist.
Cons
• Trying to help people who have behavioral and emotional issues can be stressful. It may be difficult to leave work at work.
• You may run into ethical dilemmas that make dealing with a client and/or employer a challenge.
• If you decide to open your own practice, you’ll have to deal with the business side of things as well as the work you’re doing with clients.
• Depending on the type of work you do, your job may be dangerous at times. You may have to counsel a person with anger issues, for example, or someone who has committed a violent crime, which could put you at risk.
As you consider this important career decision, keep in mind that online tools that can help you succeed. A money tracker app, for example, can help you create a budget, keep an eye on your spending, and monitor your credit score as you work toward your personal and financial goals.
The Takeaway
Working as a psychologist can be a fulfilling career, and finding and keeping a job in this growing field shouldn’t be too difficult. But you can expect to make a substantial investment in time and money before you finally get the job you want. And how much money you make as a psychologist can depend on several factors, especially when you’re starting out. The specialty you choose, who your employer is, and where your job is located can all affect your earning potential.
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FAQ
Can you make $100,000 a year as a psychologist?
Yes. According to the latest ZipRecruiter data, psychologists in every state make an average annual salary that’s more than $100,000.
Do people like being a psychologist?
Psychologists who responded to the website CareerExplorer’s ongoing survey on job satisfaction rated their career happiness a 3.5 out of 5 stars. And U.S. News & World Report, which ranks jobs based on salary, upward mobility, work-life balance, among other factors — gave “psychologist” the No. 5 spot on its list of “Best Science Jobs.”
Is it hard to get hired as a psychologist?
According to the U.S. Bureau of Labor Statistics, job growth for psychologists is expected to be strong through the next decade. If you get the proper education and training, and have a passion for helping others, it shouldn’t be too hard to find work in this profession.
Photo credit: iStock/Dean Mitchell
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Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Uninsured motorist coverage shields you from having to pay for injuries and property damage in accidents that weren’t your fault and were caused by an uninsured driver.
According to the Insurance Research Council, 14.0% of motorists on the road are uninsured. Purchasing uninsured motorist coverage reduces the likelihood that you’ll have to pay out of pocket if you’re involved in an accident caused by one of these irresponsible drivers.
It’s generally a good idea to add uninsured motorist coverage to your auto insurance policy, as it’s fairly inexpensive, usually only costing an extra $5 – $10 a month, per vehicle, for policyholders with clean driving histories. Below, we give you the scoop on the different kinds of uninsured motorist coverage and what these policies entail.
Breaking Down Uninsured Motorist Coverage Variations
There are two main kinds of uninsured motorist coverage. Similar to your standard auto insurance policy’s collision and bodily injury coverage, this kind of policy breaks down into uninsured motorist bodily injury coverage and uninsured motorist property damage coverage.
• Uninsured motorist bodily injury coverage: Covers your party’s medical expenses and related costs in accidents caused by uninsured drivers.
• Uninsured motorist property damage coverage: Covers your repair bills and related costs in accidents caused by uninsured drivers.
Bodily injury and property damage coverage for uninsured motorists are sometimes packaged and sold together when you purchase uninsured motorist insurance. However, this isn’t the case with all policies; check with your insurance provider to know for sure. Now, let’s take a closer look at each of these kinds of coverage.
Uninsured Motorist Bodily Injury Coverage (UMBI)
Uninsured motorist bodily injury coverage (UMBI) pays for the cost of medical bills, lost wages, pain and suffering, and funeral costs (though we hope that is never needed) in the event an uninsured driver causes an accident in which you’re the victim.
In some instances, this policy may pay out if you, as a pedestrian or bicyclist, are involved in an accident caused by an uninsured driver. Check with your insurance provider to confirm whether this might be covered.
UMBI typically does not have a deductible to meet; you would get full reimbursement of the costs.
Uninsured motorist property damage coverage (UMPD) pays for the cost of repair bills for either your vehicle or property in the event either is involved in an accident caused by an uninsured driver.
Unlike bodily injury coverage, UMPD often requires the payment of a deductible when used. This is usually set by state law and typically is between $100 and $1,000. 💡 Quick Tip: If your car is paid off and worth only a few thousand dollars, consider updating your car insurance: You might choose to opt out of collision coverage and double down on liability.
Uninsured vs Underinsured Motorist Coverage
Here’s another kind of coverage you should know about: underinsured motorist coverage, which helps cover your costs if you’re involved in an accident where the party at fault has insufficient insurance coverage to pay for your medical costs.
Underinsured motorist coverage differs from uninsured motorist coverage in that it’s designed to cover any shortfalls in your costs due to the underinsured motorist’s inadequate insurance policy. By contrast, uninsured motorist coverage covers your bills due to the uninsured driver’s failure to purchase insurance.
Similar to uninsured motorist coverage, underinsured motorist coverage also comes in bodily injury and property damage variants. Both bodily injury and property damage coverage is usually packaged and sold together, though insurance policies may vary.
Underinsured motorist coverage is sold separately from uninsured motorist coverage, and states can have different coverage requirements for each. Check with your insurance provider to verify whether you need to purchase these separately.
Uninsured Motorist Coverage Limits
Your auto insurance quote will typically break down your uninsured motorist coverage limits into two numbers: a smaller dollar figure followed by a larger dollar figure, separated by a slash. For example, $100,000/$300,000.
This can also be expressed as follows:
• $100,000 per person
• $300,000 per accident
These two numbers represent the per person and per accident coverage limits of your uninsured motorist insurance. The per person limit is the maximum your insurance company will pay for any single individual injured in a covered accident. Conversely, the per accident limit is the maximum your insurance company will pay for a covered accident, regardless of how many injured people are in your party.
How Uninsured Motorist Coverage Limits Work
If you’re thinking, “But what exactly does that mean?” we hear you. Let’s spell out how this coverage would work. If you have a family of five that’s riding in a car and it gets hit by an uninsured driver, the maximum amount your insurance company will pay for their cumulative medical bills is $300,000, despite each individual’s coverage limit being $100,000.
If you’re ever involved in an accident caused by an uninsured driver where your costs exceed your coverage limits, in most cases, your health insurance policy will usually kick in to cover the balance. Consult your insurance providers for the specifics on your policies.
Recommended: How Much Auto Insurance Do I Really Need?
How Much Uninsured Motorist Coverage Do I Need?
The answer depends on whether your state requires uninsured motorist coverage. If it does, you must buy at least the state’s minimum (for more details, see below). Typically, this amount will match your liability coverage amounts. If your state does not require this kind of coverage, consider variables like the healthcare costs in your state and how much your vehicle is worth. Generally, uninsured motorist coverage is fairly affordable and is a worthy investment for some peace of mind.
According to the Insurance Research Council, approximately one in seven drivers on the road are uninsured. This figure is even higher in states like Mississippi and Michigan, where over 25% of drivers on the road are estimated to be uninsured.
Based on those figures, residents of higher risk states may be well-served by purchasing uninsured motorist coverage, while it might not be as high of a priority for residents of lower-risk states, like Massachusetts or New Jersey, where 3.5% and 3.1% of drivers respectively are estimated to be uninsured.
Now, let’s circle back to the states that do require this kind of policy. The table below lists the regulations regarding the minimum required uninsured and underinsured motorist coverage for each state.
Recommended: What Does Liability Auto Insurance Typically Cover?
Uninsured/Underinsured Motorist Coverage Requirements by State
Let’s take a look at the guidelines in every state, so you can see how much coverage may be required where you live. In each category, the amount shown is per person/per accident. When there is not a figure in an area of the chart, that means the insurance isn’t required.
State
Uninsured Bodily Injury
Uninsured Property Damage
Underinsured Bodily Injury
Underinsured Property Damage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
$25,000/$50,000
$25,000/$50,000
Delaware
District of Columbia
$25,000/$50,000
$5,000
Florida
Georgia
Hawaii
Idaho
Illinois
$25,000/$50,000
$25,000/$50,000
Indiana
Iowa
Kansas
$25,000/$50,000
$25,000/$50,000
Kentucky
Louisiana
Maine
$50,000/$100,000
$50,000/$100,000
Maryland
$30,000/$60,000
$15,000
$30,000/$60,000
$15,000
Massachusetts
$20,000/$40,000
Michigan
Minnesota
$25,000/$50,000
$25,000/$50,000
Mississippi
Missouri
$25,000/$50,000
Montana
Nebraska
$25,000/$50,000
$25,000/$50,000
Nevada
New Hampshire*
$25,000/$50,000
$25,000
$25,000/$50,000
$25,000
New Jersey
$15,000/$30,000
New York
$25,000/$50,000
North Carolina
$30,000/$60,000
$25,000
$30,000/$60,000
$25,000
North Dakota
$25,000/$50,000
$25,000/$50,000
Ohio
Oklahoma
Oregon
$25,000/$50,000
Pennsylvania
Rhode Island
South Carolina
$25,000/$50,000
$25,000
South Dakota
$25,000/$50,000
$25,000/$50,000
Tennessee
Texas
Utah
Vermont
$50,000/$100,000
$10,000
$50,000/$100,000
$10,000
Virginia*
$30,000/$60,000
$25,000
$30,000/$60,000
$25,000
Washington
West Virginia
$25,000/$50,000
$25,000
Wisconsin
$25,000/$50,000
Wyoming
*New Hampshire and Virginia do not require drivers to purchase auto insurance, but drivers who do choose to purchase auto insurance must have at least the minimum uninsured/underinsured motorist coverage amounts listed.
Recommended: 5 Steps to Switching Your Car Insurance
How Much Does Uninsured Motorist Coverage Cost?
Depending on how much uninsured motorist coverage you choose to purchase and your personal driving habits, your costs could be as little as $5 to $10 per month. This figure also tends to vary widely based on the overall percentage of uninsured motorists in your area, according to national insurance data.
Insurance premiums vary widely across drivers, states, and even insurance providers, so make sure you check around for a personalized quote. 💡 Quick Tip: Saving money on your fixed costs isn’t always easy. One exception is auto insurance. Shopping around for a better deal really can pay off.
The Takeaway
The prospect of being in an accident caused by an uninsured driver is a real concern, given the number of these motorists on the road. Adding uninsured motorist coverage to your auto insurance policy may be a good idea. In some states, it may even be required by law. For a relatively low cost, you can protect yourself from the possibility of being left with bills because another driver didn’t have enough insurance. The right package of car insurance policies is one way to protect yourself from unexpected circumstances.
When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.
SoFi brings you real rates, with no bait and switch.
Photo credit: iStock/RyanJLane
Insurance not available in all states. Experian is a registered service mark of Experian Personal Insurance Agency, Inc. Social Finance, Inc. (“SoFi”) is compensated by Experian for each customer who purchases a policy through Experian from the site.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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