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32k salary is a solid hourly wage; above most minimum hourly wage jobs.
For most people, an entry-level job would be pay just over $32,000 a year. The question that remains is can you make a living off $32k a year.
The median household income is $68,703 in 2019 and increased by 6.8% from the previous year (source). Think of it as a bell curve with $68K at the top; the median means half of the population makes less than that and half makes more money.
The average income in the U.S. is $48,672 for a 40-hour workweek; that is an increase of 4% from the previous year (source). That means if you take everyone’s income and divided the money out evenly between all of the people.
But, the question remains can you truly live off 32,000 per year in today’s society since it is well below both the average and median household incomes. The question you want to ask all of your friends is $32000 per year a good salary.
In this post, we are going to dive into everything that you need to know about a $32000 salary including hourly pay and a sample budget on how to spend and save your money.
These key facts will help you with money management and learn how much per hour $32k is as well as what you make per month, weekly, and biweekly.
Just like with any paycheck, it seems like money quickly goes out of your account to cover all of your bills and expenses, and you are left with a very small amount remaining. You may be disappointed that you were not able to reach your financial goals and you are left wondering…
Can I make a living on this salary?
$32000 a year is How Much an Hour?
When jumping from an hourly job to a salary for the first time, it is helpful to know how much is 32k a year hourly. That way you can decide whether or not the job is worthwhile for you.
For our calculations to figure out how much is 32K salary hourly, we used the average five working days of 40 hours a week.
$32000 a year is $15.38 per hour
Let’s breakdown how that 32000 salary to hourly number is calculated.
Typically, the average workweek is 40 hours and you can work 52 weeks a year. Take 40 hours times 52 weeks and that equals 2,080 working hours. Then, divide the yearly salary of $32000 by 2,080 working hours and the result is $15.38 per hour.
32000 salary / 2080 hours = $15.38 per hour
Just above $15 an hour.
That number is the gross hourly income before taxes, insurance, 401K, or anything else is taken out. Net income is how much you deposit into your bank account.
You must check with your employer on how they plan to pay you. For those on salary, typically companies pay on a monthly, semi-monthly, biweekly, or weekly basis.
What If I Increased My Salary?
Just an interesting note… if you were to increase your annual salary by $11K to $43K per year, it would increase your hourly wage to over $20 an hour – a difference of $5.29 per hour.
To break it down – 43k a year is how much an hour = $20.67
That difference will help you fund your savings account; just remember every dollar adds up.
How Much is $32K salary Per Month?
On average, the monthly amount would be $2,667.
Annual Salary of $32,000 ÷ 12 months = $2,667 per month
This is how much you make a month if you get paid 32000 a year.
$32k a year is how much a week?
This is a great number to know! How much do I make each week? When I roll out of bed and do my job of $32k salary a year, how much can I expect to make at the end of the week for my effort?
Once again, the assumption is 40 hours worked.
Annual Salary of$32000/52 weeks = $615 per week.
$32000 a year is how much biweekly?
For this calculation, take the average weekly pay of $615 and double it.
This depends on how many hours you work in a day. For this example, we are going to use an eight-hour workday.
8 hours x 52 weeks = 260 working days
Annual Salary of$32000 / 260 working days = $123 per day
If you work a 10 hour day on 208 days throughout the year, you make $153 per day.
$32000 Salary is…
$32000 – Full Time
Total Income
Yearly Salary (52 weeks)
$32,000
Monthly Wage
$2,667
Weekly Salary (40 Hours)
$615
Bi-Weekly Wage (80 Hours)
$1,230
Daily Wage (8 Hours)
$123
Daily Wage (10 Hours)
$153
Hourly Wage
$15.38
Net Estimated Monthly Income
$2,036
Net Estimated Hourly Income
$11.75
**These are assumptions based on simple scenarios.
32k a year is how much an hour after taxes
Income taxes is one of the biggest culprits of reducing your take-home pay as well as FICA and Social Security. This is a true fact across the board with an all salary range up to $142,800.
When you make below the average household income, the amount of taxes taken out hurts your hourly wage.
Every single tax situation is different.
On the basic level, let’s assume a 12% federal tax rate and a 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.
So, how much an hour is 32000 a year after taxes?
Gross Annual Salary: $32,000
Federal Taxes of 12%: $3,840
State Taxes of 4%: $1,280
Social Security and Medicare of 7.65%: $2,448
$32k Per Year After Taxes is $24,432.
This would be your net annual salary after taxes.
To turn that back into an hourly wage, the assumption is working 2,080 hours.
$24432 ÷ 2,080 hours = $11.75 per hour
After estimated taxes and FICA, you are netting $24,432 per year, which is $7,568 per year less than what you expect.
***This is a very high-level example and can vary greatly depending on your personal situation and potential deductions. Therefore, here is a great tool to help you figure out how much your net paycheck would be.***
In addition, if you live in a heavily taxed state like California or New York, then you have to pay way more money than somebody that lives in a no tax state like Texas or Florida. This is the debate of HCOL vs LCOL.
Thus, your yearly gross $32000 income can range from $21,872 to $25,712depending on your state income taxes.
That is why it is important to realize the impact income taxes can have on your take home pay. It is one of those things that you should acknowledge and obviously you need to pay taxes. But, it can also put a huge dent in your ability to live the lifestyle you want on a $32,000 income.
32k salary lifestyle
Every person reading this post has a different upbringing and a different belief system about money. Therefore, what would be a lavish lifestyle to one person, maybe a frugal lifestyle to another person. And there’s no wrong or right, it is what works best for you.
One of the biggest factors to consider is your cost of living.
In another post, we detailed the differences of living in an HCOL vs LCOL vs MCOL area. When you live in big cities, trying to maintain your lifestyle of $32,000 a year is going to be extremely difficult because your basic expenses, housing, transportation, food, and clothing are going to be much more expensive than you would find in a lower cost area.
To stretch your dollar further in the high cost of living area, you would have to probably live a very frugal lifestyle and prioritize where you want to spend money and where you do not. Whereas, if you live in a low cost of living area, you can afford the cost of living and maybe save more money. Thus, you have more fun spending left in your account each month.
As we noted earlier in the post, $32,000 a year is well below the average income that you would find in the United States. Thus, you have to be wise with how you spend your money.
What a $32,000 lifestyle will buy you:
If you are debt free and utilize smart money management skills, then you are able to enjoy the lifestyle you want.
You are able to rent in a decent neighborhood in LCOL.
You should be able to meet your basic expenses each and every month.
Not be able to afford many of the fun spending luxuries.
Start saving with the 200 envelope challenge.
Ability to make sure that saving money is a priority, and very possibly save $1000 in 52 weeks.
When A $32,000 Salary Will Hold you Back:
However, if you are riddled with debt or unable to break the paycheck to paycheck cycle, then living off of 32k a year is going to be pretty darn difficult.
There are two factors that will keep holding you back:
You must pay off debt and cut all fun spending and extra expenses.
Break the paycheck to paycheck cycle.
It is possible to get ahead with money!
It just comes with proper money management skills and a desire to have less stress around money. That is a winning combination regardless of your income level.
$32k Salary To Hourly
We calculated how much $32,000 a year is how much an hour with 40 hours a week. But, more than likely, you work more or fewer hours per week.
So, here is a handy calculator to figure out your exact hourly salary wage.
$32K a year Budget – Example
As always, here at Money Bliss, we focus on covering our basic expenses plus saving and giving first, and then our goal is to eliminate debt. The rest of the money leftover is left for fun spending.
If you want to know how to manage 32k salary the best, then this is a prime example for you to compare your spending.
You can compare your budget to the ideal household budget percentages.
recommended budget percentages based on $32000 a year salary:
Category
Ideal Percentages
Sample Monthly Budget
Giving
10%
$187
Savings
15-25%
$480
Housing
20-30%
$693
Utilities
4-7%
$107
Groceries
5-12%
$213
Clothing
1-4%
$16
Transportation
4-10%
$107
Medical
5-12%
$133
Life Insurance
1%
$10
Education
1-4%
$6
Personal
2-7%
$24
Recreation / Entertainment
3-8%
$60
Debts
0% – Goal
$0
Government Tax (including Income Tatumx, Social Security & Medicare)
15-25%
$631
Total Gross Monthly Income
$2,667
**In this budget, prioritization was given to basic expenses and no debt.
Is $32,000 a year a Good Salary?
As we stated earlier if you are able to make $32,000 a year, that is a low salary. You are making around or just above minimum wage.
While 32000 is a decent salary just starting out in your working years, it is a salary that you want to rapidly increase before your expenses go up or the people you provide for increase. If not, you will be left working multiple jobs to make ends meet.
However, too many times people get stuck in the lifestyle trap of trying to keep up with the Joneses, and their lifestyle desires get out of hand compared to their salary. And what they thought used to be a great salary actually is not making ends meet at this time.
This $32k salary would be considered a lower class salary. You must make each dollar count in your budget.
Check: Are you in the middle class?
In fact, this income level in the United States has enough buying power to put you in the top 95 percentile globally for per person income (source).
The question you need to ask yourself with your 32k salary is:
Am I maxed at the top of my career?
Is there more income potential?
What obstacles do I face if I want to try to increase my income?
In the future years and with possible inflation, in many modest cities a 32,000 a year is not a good salary because the cost of living is so high, whereas these are some of the cities where you can make a decent living at 32,000 per year.
If you are looking for a career change, you want to find jobs paying at least 35,000 a year.
Is 32k a good salary for a Single Person?
Simply put, you can make it work.
You can stretch your salary much further because you are only worried about your own expenses. A single person will spend much less than if you need to provide for someone else.
Learn exactly what is a good salary for a single person today.
Your living expenses and ideal budget are much less. Thus, you can live comfortably on $32000 per year.
And… most of us probably regret how much money wasted when we were single. Oh well, lesson learned.
Is 32k a good salary for a family?
Many of the same principles apply above on whether $32000 is a good salary. The main difference with a family, you have more people to provide for than when you are single or have just one other person in your household.
The costs of raising children are high and will steeply cut into your income. As you can tell this is a huge dent in your income, specifically $12,980 annually per child.
That means that amount of money is coming out of the income that you earned.
So, the question really remains is can you provide a good life for your family making $43,000 a year? This is the hardest part because each family has different choices, priorities, and values.
More or less, it comes down to two things:
The location where you live in.
Your lifestyle choices.
You can live comfortably as a family on this salary, but you will not be able to afford everything.
Many times when raising a family, it is helpful to have a dual-income household. That way you are able to provide the necessary expenses if both parties were making 32,000 per year, then the combined income for the household would be over $64,000. Thus making your combined salary a very good income.
Learn how much money a family of 4 needs in each state.
Can you Live on 32000 Per Year?
As we outlined earlier in the post, $32,000 a year:
$15.38 Per Hour
$123-153 Per Day (depending on length of day worked)
$615 Per Week
$1230 Per Biweekly
$2667 Per Month
Next up is making $35000 a year!
Like anything else in life, you get to decide how to spend, save and give your money.
That is the difference for each person on whether or not you can live a lower-class lifestyle depends on many potential factors. If you live in California or New Jersey you are gonna have a tougher time than Oklahoma or even Texas.
In addition, if you are early in your career, starting out around 30,000 a year, that is a-okay place to be getting your career. However, if you have been in your career for over 20 years and still making $32K, then you probably need to look at asking for pay increases, pick up a second job, or find a different career path.
Regardless of the wage that you make, if you are not able to live the lifestyle that you want, then you have to find ways to make it work for you. Everybody has choices to make.
But one of the things that can help you the most is to stick to our ideal household budget percentages to make sure you stay on track.
One of the best ways to improve your personal finance situation is to increase your income. Here are a variety of side hustles that are very lucrative. With time and effort, you can start enjoying the lifestyle you want.
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Inside: Learn why you may want to drive a beater car. Plus find tips to make sure you are getting a good deal.
Okay, let’s preface with… my dad has been in the car industry for over 40 years. So, I have grown up in dealerships, car garages, and service centers. My friends call me an expert, but I prefer to just be helpful so they don’t overpay when buying or getting repairs done.
Now, that authority is established, let me help you understand the beater car mentality.
If you are looking for a cheap used car, but don’t know where to find one, check out this guide that will help you get started.
Buying a used car can be tricky. It’s not just about finding one that is inexpensive, but also getting the right size for you and your lifestyle.
There tends to be more mystery surrounding what it’s like buying a new car from the dealership than an old one from somewhere else.
The main reason is that usually, they do not disclose how much of the price tag is going towards depreciation. What happens when your brand-new vehicle goes through years worth of wear and tear? It depreciates at a staggering rate and you end up with the same old car that’s only worth what is left of it.
Did you notice that keyword in the last paragraph – depreciation!
For many who are choosing to lower their costs and pursing FIRE movement, they know that a brand new car will depreciate the most within the first five years.
In this article, I will be shedding some light on how to find a cheap used car in your area if you are shopping for one. Also, if you are maintaining a beater car, you will find the tips to make sure your car lasts many more years.
Driving a beater car is not a sign of being poor or reckless. You still need proper auto insurance to drive.
With this guide, you’ll find out which cars have what features and quality that will fit your needs and lifestyle. Now, let’s find a car with features that are important to get around town and save your wallet!
What Is a Beater Car?
A beater car is usually an older, higher-mileage vehicle that still runs and is legal to drive.
The term “beater” was coined because many of them have cosmetic damage and mismatched paint.
A beater car is rarely pretty but “gets the job” when it comes to getting you and yours from here to there.
What is the point of a beater car?
A beater car is a reliable and easy-to-fix car that is cheaper than a new car.
The point of a beater car is to save money and reduce the amount of maintenance that needs to be done on it.
It has little intrinsic value, & while not “easy on the eyes,” a beater car is generally a smart choice to wear into the ground.
There are many advantages to buying a used car, including insurance savings, tax breaks, and lower operational costs.
Beaters can also provide peace of mind because they are easier to repair if something does go wrong.
Should you drive beaters?
People are in different situations when they are buying cars.
The best customers for cheap cars are either first-time car buyers or people who have to save some cash to reach a financial goal they set in place.
On the other hand, if you like reliability, make income from your car, enjoy looking good, or do not know your way around a car, maybe you should skip a beaters car.
How Can You Recognize a Beater Car?
A beater car is a car that is older and cheaper than other cars in its class. It may also have high mileage or corrosion on the body. You can look for these signs to help you identify a beater car.
More than likely, they will be easy to spot. Many common ones include Honda, Toyota, and Suburu. Those are the engines that can keep on running!
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Is a Beater Car Worth It?
Well, there are two sides to the coin on this one. So, we will present both arguments first.
Definitely Worth It
Simply put, a beater car is one that doesn’t cost a lot of cash. You can find reliable and affordable beaters if you know where to look. In most cases, the best way to find a cheap used car is by checking out local classified ads or online listings.
Beater cars are a great way to save money on all sorts of fronts.
For starters, they’re cheaper to buy than most other cars. Additionally, used cars can help with taxes, insurance, and maintenance costs.
In short, a cheap car is a great way to get around while keeping your expenses low.
Um, Hello – No!
A beater car is not worth it. There are many reasons why you should not buy a beat-up vehicle. The first reason is that they are cheap, and the owner will most likely not take care of them properly. Not only will the car need repairs, but you could also have to buy a new one.
Didn’t you know that you can lease a vehicle for next-to-nothing with a low-interest rate? (p.s. don’t fall for that line. Leasing a car is the worst thing you can do financially. That is a post for another day on leasing vs buying a car.)
All in all, it depends on what you need and what you can afford at the moment. For many, the answer to this question is yes, but only if you are looking for a cheap car.
What is the price of a beater car?
A used car is a vehicle that has been previously owned, so it has depreciated in value.
The price of a beater car is difficult to determine and varies depending on the quality of the vehicle, its condition, and what it might have been used for. Typically, you can find a solid mechanical vehicle for around $5000.
You can always check against the KBB price and run the VIN to check its reported history.
Beater Car Benefits:
The benefits of a beat-up car are listed here. Many people are proud of their vehicles and proudly want to be a part of the 200k miles club.
They include the opportunity to drive around with no maintenance, the ability to use it for parts, and the freedom from monthly payments.
A used car is cheaper upfront than a new car.
Cheaper on insurance. Beater cars require minimum coverage, so they’re cost-effective for monthly expenses.
A beater car is cheaper on gas (this is true for sedans; not so much for SUVs or trucks.)
The car will retain its value and not depreciate much more.
The car can still be sold for what was paid for it, as long as it is in the same condition.
Now, let’s dive a little deeper into each of these.
#1. Cheap Price
One reason to prefer a cheap car is because of the low price point.
For the first time ever, the price of a new car tops $47000 – an all-time high (source). That is a whole lot of money especially when it loses most of its premium in the five years.
Driving a beater may not feel as luxurious as driving a newer car, but the cheap price point lets you save money.
#2. No Car Payments
There are many benefits to not having car payments.
One of the most obvious is that you save money. In addition, not having car payments can also reduce stress and anxiety levels, because you’re not as tied down to a monthly payment.
It is not normal to have a car payment your whole life. That lifestyle will cost you a fortune with lifestyle creep.
#3. Cheaper Gas
Old and beaten-down cars that don’t require premium fuel will be heaven for your wallet, saving you hundreds, maybe even thousands of dollars per year.
Gas prices vary throughout the day, so drivers should plan their trips around the cheapest prices. In addition, using a cheap car can save you money on gas in the long run.
#4. Cheaper Parts
First of all, you need to find a reliable mechanic or be able to do some of the work by yourself.
In addition to being cheaper, older car parts are also easier to find. Car parts are still available from common car manufacturers, so you don’t have to go through a premium supplier to get what you need.
Additionally, the older vehicles do not have the fancy chips like the newer cars that make the cost of parts increase and the difficulty of getting those types of parts.
#5. Minimum Insurance Coverage
Buying a used car saves money on car insurance.
You only need to meet the minimum insurance requirements of your state, and you don’t have to worry about finance companies taking out full coverage collision and comprehensive insurance.
However, you may want comprehensive coverage if the cost is minimal compared to replacing the car. For instance, if you pay an additional $50 per year for full comprehensive coverage that will give you the $5k worth of your car back if something happens. That may be worth the extra cost.
Plus driving a car with a lower resale value can help save on vehicle taxes.
#6. Less Depreciation
Older cars have already depreciated in value over the years, so they aren’t going to lose much more during the period of your ownership.
Plus if the engine gives out, you can always sell it for scraps and parts at the local junkyard. That will help you recoup costs for another one.
Remember, you wipe away value from your brand new car once you drive off the dealer’s lot (source). This is a hot debate on whether your car is an asset or liability.
#7. More Freedom
When you are not bogged down by expenses of maintaining a high-value car, you have more freedom.
This is more freedom in your budget and more time freedom as you don’t have to work hard to pay for your mode of transportation.
Think about it… if you invested $500 a month for seven years at the average rate of return of 8%, you would have accumulated $55,000. Compounding interest will do amazing things for your net worth.
Beater Car Downsides:
Saving money is the biggest benefit of buying a used car.
Beater cars are potentially less safe than modern cars.
Long-distance car rides might not be possible with a cheap car
Downsides to having a good beater car include the possibility of breaking down and being far away from home if needed.
Possible more maintenance.
There is more risk. You don’t want to gamble.
#1. Less Safety
Cars from before the 2000s don’t have the same crashworthiness as newer cars.
This is a factor that you cannot deny and a serious factor when considering your purchase.
In a collision, they are more likely to sustain damage and injure the passengers inside.
#2. Low Probability of Longer Trips
These are great for commuting around town and getting you to and from.
However, there is a low probability you want to use them on longer trips.
Given there are many things that could go wrong, you don’t want to break down far from home or even a nearby city where you can get repairs done.
You don’t anticipate needing to take this car on long trips in the near future because there is a low probability of needing to take it on longer trips. This is due, in part, to the fact that it doesn’t have great gas mileage and you don’t think you’ll need to use it for long distances.
#3 – Higher Maintancence Costs
You always need a sinking fund for repairs when you own a beater. Period.
You are one drive away from something going out and needing to be repaired.
Also, you need to find a quality mechanic that thrives on keeping older ones running without nickel and diming you along the way.
You cannot use a dealership service center to maintain your baby.
Which Are the Best Beater Cars?
The best beater cars are cars that are cheap, have low mileage, and are easy to repair. The cars are great to use as a daily driver, but they are not ideal for long distances.
Cheap cars can be a good option for car buyers on a tight budget or for young drivers.
There are many reasons to consider buying a used car over a new car, but the decision ultimately depends on the buyer’s needs and preferences
What are some good beater cars?
These reliable beater cars can be a great way to save money on car buying.
Some of the better cars to choose from that would make for a great beater include Toyota Corolla, Honda Accord, and Honda Civic.
They are old, but still in pretty decent shape. All in all, you want to look for one that is very well maintained and highly cared for. The ones sitting in your grandparent’s garages that were hardly driven and immaculately maintained.
What to Check Before Buying a Beater Car
The best way to ensure that you’re buying a good quality car is to do some research and make sure you know your facts.
All dealers are not created equal, so it’s important to check out what other people are saying about the dealer. Also, make sure that the car you’re buying is in good condition and has a clean title.
Many times, a beater is a car that is used to transport things such as furniture, trees, etc. Sometimes they are usually not very well maintained and maybe not very well cared for.
However, a used car can still be a good car for someone who is looking for a cheap car and does not care about the condition of the car.
Specifics to Look For:
Low mileage
Consider the brand/model
Fuel economy
Exterior and interior condition
Reliability
Maintenance history
Number of owners
Number of accidents
Anything rebuilt like the engine
For example, one of the Toyota Corollas I owed was older but had a new engine installed. Thus, the value of the Corolla was higher as the engine had minimal miles on it.
In fact, here is a picture of it… doesn’t look like a junker right?!?!
Questions to Ask Yourself:
Before buying a used car, you should check the following:
Is it in good shape?
On the engine, is it manual or automatic?
Is it the right size for your needs?
Does it have enough power?
Does it have enough room?
Is it reliable?
Is it comfortable?
Easy to drive?
Is it safe?
How to Buy a Beater Car
When buying a beater car, you should check the following things:
1. Finding One to Buy
Many times, this will be the hardest part. Sometimes, the easiest if someone needs to get rid of one quickly.
Try buying a beater car from friends or family.
The next place to check is your mechanic. Remember, they are your best friends in this process and always know the movement of these types of cars.
Also, you can check online – Facebook Marketplace, NextDoor and Craigslist are great options but follow your instincts.
Lastly, you can try a local dealership. However, be very careful as you don’t want to be scammed or pay more than the car is worth.
2. Check the VIN Number
VIN stands for Vehicle Identification Number. A VIN is a serial number that identifies the make, model, and vehicle type of a motor vehicle.
The VIN number is a unique identifier for a car that can be used to learn about the car’s history and identity. The number is usually 17 characters long and contains both numbers and letters. It can be found on the dashboard, driver’s side door, or engine of the car.
More importantly, it can be used to learn about the car’s history and identity, including its make, model, year of manufacture, and more. Even if the car was stolen.
3. Look at Mileage
Beaters usually have high mileage, but how high is too high?
Do your research for what could be a red flag. Look up how the specific make and model you’re considering holds up in high mileage.
In this regard, lower is better, although beaters will generally have higher mileage than a newer used car. Look for beaters with 80,000 to 150,000 miles on the odometer, but don’t go over 150k miles. You want to drive it into the 200k mile club, right?
4. Run the Auto History Report
You want detailed information on a car’s history, including maintenance and repair records. This can be helpful in determining whether or not a car has been well taken care of. If a car has had many owners in a short period of time, it may be an indication that the car was neglected.
The VIN number (vehicle identification number) helps you obtain a vehicle history report by running through a service, like CARFAX. Companies like VINCheck.info and AutoCheck provide vehicle history information, too.
A good indication that a car may have been neglected or doesn’t run well is the fact that it has had many owners in a short period of time.
5. Checked by Your Own Mechanic
If you haven’t figured it out by now, a trusted mechanic is a must!
Before agreeing to the purchase, you must have the vehicle independently audited by your own mechanic. This may come at a small cost, but it is better to know the condition of the mechanical systems before you purchase.
Also, your mechanic can tell you what you should pay for it as well as any outstanding repairs or maintenance that needs to be done.
6. Passed State Inspection
When buying a car, it is important that it passes state inspection. If it doesn’t, you may end up spending more cash on repairs and/or fines.
You can ask for the last inspection report. If it has been more than a year, it is worth testing it again.
In any case, you don’t want to buy a car only to have it break down on you soon after.
7. Take it for a Test Drive
When you’re looking to buy a used car, it’s important that you take it for a test drive. This allows you to listen to any loud noises and also gives you a chance to feel the car out.
If something doesn’t feel right, then it’s probably not the right car for you.
When you’re looking to buy a used car, it’s important that the seller allows you to take the car to a mechanic for a test drive. If they don’t, it’s probably because they’re trying to hide something and it’s best to move on.
Fixing a Beater Car:
The best option for fixing a beater car is always to do the repair yourself. This will save your finances and allow you to learn more about how your car works. There are a variety of resources available online that can help you with this process, including videos, articles, and forums.
If you find a car with engine problems, you will need to consult a mechanic. The problem may be something simple that is quick fixes with a tune-up, or it may be more serious.
If the cost of repairing a used car is almost as much as what you paid for the car, then it may be time to move on.
Selling a Beater Car:
The process is very similar to buying it except now you are the seller!
The same places you would look for one would be the same places you would sell it – friends, NextDoor, Craigslist, mechanic, or Facebook Marketplace.
You might even be able to get some cash for your beater car by trading it in at a dealership. The dealership will likely give you less than if you had sold the car to a private party, but it’s better than nothing. However, some dealerships have pretty awesome trade-in policies to get you in a new and more expensive ride!
Reasons NOT to Buy a Beater Car
The most common reasons not to buy a used car are that they are very expensive to fix, impractical in terms of fuel efficiency, and require more time and effort than expected.
However, those of us who have owned older sedans, SUVs, or trucks know the significant savings associated with it and get many weird looks for others.
Top 10 Reasons NOT to Buy a Beater Car:
You want/need a good-looking car.
High reliability is a priority.
You are a one-car family.
You will lose your mind trying to fix it.
It’s going to break down and you’ll be stranded somewhere, losing money.
You will have to get a new car eventually anyway.
It’ll cost you more money in the long run because it’s not worth fixing up and selling later on.
You won’t be able to sell it for what you paid because it’s too beat up.
You think leasing a car is a better deal.
Deep down, you think a car payment is normal.
Is an Older Beater Car an Issue for You?
Beater cars can be a good option for people who want to save money on their car costs.
There are many advantages of a cheaper car including avoiding car loans and down payments, cheaper gas, and minimal insurance requirements. Plus used cars have already lost much of their value and are a better investment.
Maybe a full one beater isn’t right for you, but maybe a seven-year-old minivan with 85,000 miles is perfect.
In all honestly, people who are looking for a cheap car should consider buying an inexpensive car instead of a luxury car.
Now, I want to hear your favorite stories about your precious gem and how many miles it lasted…
Know someone else that needs this, too? Then, please share!!
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
The numbers never cease to amaze me.
In fact, I’ve always been a fan of comparisons because they help us understand how we compare to others and what areas in life are more important.
However, should you compare yourself to those with 10 figures?
I was recently asked the question, “How much is 10 figures salary?” and my first thought was well beyond 99.9% of people’s salary range.
So then I had to ask this person what they meant by “10 Figures.”
This led me on a journey of figuring out exactly what 10 Figures means when it comes to money.
Many people are curious about the value of a 10-figure career. While it is not easy to become a 10-figure earner, there’s no reason you can’t start working toward your goal.
In this article, we’ll look at how much 10 figures really mean and why it’s important to understand this term.
What is 10 Figures?
10 figures is a term used to describe the amount of money in a given period of time. It is typically used to describe the amount of revenue that a company makes in a month or the amount of net worth someone has.
A number that is over 1,000,000,000 but less than or equal to 9,999,999,999 is a 10-figure number.
If the number is between those two values then it is a ten-figure number.
What is a Ten Figure Number?
Ten figures refer to any number that has 10 digits.
They are important for many reasons, but some of the most important include being able to easily calculate someone’s wealth or income.
How Much Money is 10 Figures?
Earning 10 figures can mean earning anywhere from $1,000,000,000 to $9,999,999,999.
That number is unfathomable for most people earning six figure salaries, which are often viewed as an income milestone by many people.
Simply put, 10 figures in money equates to a billionaire dollars.
Individuals who earn ten figure salaries are usually uber-successful in their careers.
What is 10 Figures Salary?
A ten figure salary means in one year you make more than $1,000,000,000.
Earning a 10 figure salary does not mean you have to earn all of your income from one job source. You can also earn income from investments, royalties, and other sources.
There are many different jobs that can lead to a 10 figure salary. It is possible for anyone with the right qualifications, dedication, hard work, and skillful negotiation tactics to achieve this level of income.
For the common folk, earning a 10 figure salary is an extremely unlikely event. A more doable amount is a $100k salary.
However, if you want to become a billionaire and earn ten figures, by all means, go ahead.
Even earning six or seven figures in a year is a huge accomplishment.
How Much is Ten Figures a Year?
People will use the phrase “10 figures” when talking about how much someone is worth or how much money a business makes.
Ten figures is any number between 1,000,000,000 and 9,999,999,999 that is earned in a span of 365 days or one year.
10 Figure Salary Jobs
A ten-figure salary is a salary that starts at the first 10 figure value which is $1,000,000,000.
This amount of money is not easily earned and usually takes many years of hard work and dedication. It’s important to remember that while having a high salary is great, it’s not everything.
Most people who earn 10-figure salaries created their own companies as a start-up and grew them into massive empires. These jobs can be found in a variety of industries, including technology, fashion, business, finance, and law.
To earn a ten-figure salary, you need to have an aggressive mindset and excellent skills in your field. With the right combination of talent and ambition, you can definitely achieve this goal.
For these people, a business degree was worth it.
Examples of people who earn 10 figures or more
People who earn 10 figures or more are typically some of the wealthiest and most influential people in the world. They often have a great deal of control over resources and economies.
There are only 724 people in the United States that are billionaires (source) with a collective total of over 2700 billionaires globally.
Here are examples of people who earn 10 figures or more:
Elon Musk
Well known for his social media tweets and swings in TSLA stock.
Elon Musk is the founder and CEO of Tesla Inc, a maker of electric high-end luxury cars.
Elon Musk is the richest person in the world, with a net worth of $223 billion as of February 28, 2022. He made his fortune as the founder of Tesla Inc., SpaceX, and several other startups. He is also known for being an advocate for renewable energy and space exploration.
Jeff Bezos
Jeff Bezos is the founder and CEO of Amazon.com, an online retailer that offers a wide range of products and services to consumers globally. In 1994, he founded the company with a vision to make the world’s largest bookstore and offer low prices for books. Bezos had worked on Wall Street in his twenties.
Jeff Bezos held the title of the richest man in the world with a net worth of about $203 billion until Elon Musk overtook his spot.
From 1998 to 2021, Bezos made $88,840 per year or more with extra compensation bringing the figure to a little over $1.6 million each year.
Bill Gates
Bill Gates is an American business magnate, investor, and philanthropist. He founded Microsoft Corporation with Paul Allen in 1975 in Albuquerque.
His net worth is estimated to be over $122 billion with a salary of $1 million per year.
Bill Gates was the richest person in the world for a number of years. However, he dropped to the second richest person in the world in July 2017 when he was overtaken by Amazon founder Jeff Bezos.
Melanie Perkins
Melanie Perkins is the co-founder and CEO of Canva, a design software company that was valued at $40 billion by private investors in September 2021. Perkins started the company in 2012 with her then-boyfriend and now-husband Cameron Adams. The company has since become a major player in the design world, with over 15 million users and offices in 17 countries.
Though some were skeptical of her idea, Melanie Perkins and her team persevered in the development of their freemium software, Canva. 60 million monthly users later, 500,000 teams from companies like Intel and Zoom are now paying for it. This goes to show that with hard work and a great product, anything is possible.
Her net worth is estimated at $6.5 billion.
Gina Rinehart
Gina Rinehart is an Australian billionaire, businesswoman, and philanthropist. She was the world’s richest woman until her daughter took over in 2018. Rinehart has been involved in the Australian mining industry for decades and was the director of Hancock Prospecting, a company her father founded.
Her net worth is estimated at $31 billion.
Susanne Klatten
Susanne Klatten is an extremely wealthy woman. Aside from her BMW stake, she also has significant ownership in Entrust, a company specializing in digital identity and data security, as well as carbon and graphite producer SGL Group. Additionally, Klatten’s brother Stefan Quandt owns 23.6% of BMW- making the two siblings the automaker’s two largest individual shareholders.
Susanne Klatten is the richest woman in Germany and the third-richest person in Europe.
She has a net worth of $25 billion.
Some of the other Richest People in the world include:
Larry Page
Sergey Brin
Warren Buffett – Check out where he eats for breakfast.
Bernard Arnault
Amancio Ortega
Carlos Slim
Micheal Bloomberg
Larry Ellison
Mukesh Ambani
Alice Walton
Arne Morris Sorenson
Charles Koch
Dara Khosrowshahi
Dustin Moskovitz
Eric Schmidt
Eric Yuan
Francoise Bettencourt Meyers
Oprah Winfrey
Kim Kardashian West
Jacqueline Mars
Abigail Johnson
10 Figures Net Worth
In short, becoming wealthy requires having a net worth of 10 figures. That will give you billionaire status.
To have 10 figures net worth, your net worth is over $1,000,000,000.
Net worth is assets minus any liabilities.
Much of the billionaire’s net worth is made up of high income, stock options, real estate, and diversified portfolios.
Tops Ways to Earn 10 Figures
The following are some of the top ways to earn a billion dollars in a year. Even if you don’t get close, you will still earn way more than a traditional 9-5 job.
There are many ways to become a 10-figure earner, but the most common paths are entrepreneurship, investing, and influencer status.
All of these paths have their own challenges and rewards, but they all provide opportunities for anyone who is willing to work hard and take some risks.
1. Entrepreneurship
Entrepreneurship is the process of developing, launching, and running a new business venture. Entrepreneurs start a business with little or no outside funding in an attempt to generate profit for themselves and their investors.
They are generally risk-takers and may work long hours in pursuit of their vision.
There is no ceiling to how much you can earn as a successful business owner.
You can make a 10 figure salary if you are innovative and work hard. For example, one of the most successful billionaires has made their fortune by starting innovative technology companies. Additionally, there are many other opportunities for entrepreneurs such as franchise restaurants and clothing companies.
2. Investing
Investing is one of the most important aspects of becoming a billionaire.
Most of the net worth of billionaires is made from their stock options from when their company went public. Then, they slowly moved to a more diversified portfolio.
In addition, investing can be used to grow and protect wealth, and there are many different types of investments that can be made.
For the average Joe, investing needs to be crucial for growing your wealth. There are also many different ways to invest, so it is essential to find the right option for each individual.
Learn how to invest in stock for beginners.
3. Influencer Status
Influencer status is a term that refers to the type of person who has an influence on social media, through books, or in fashion.
Typically, influencers are individuals who have a large social media following and have the power to make or break products.
Becoming a media star is the first step, but it’s only likely to make someone a billionaire if they can leverage that star status into building successful businesses. For many celebrities, this means starting their own production companies, launching product lines, or creating exclusive content deals.
At 21 years old, Kylie Jenner is the youngest self-made billionaire in the world due to the success of her company, Kylie Cosmetics. The company was founded in 2015 and has since sold over $630 million worth of products. Jenner’s story is an inspiration to young entrepreneurs who want to make it big.
Now, Take Some Lessons from Billionaires
The chances of you becoming the next billionaire is slim. However, there are plenty of lessons to learn from those earning 10 figures.
There are a lot of lessons that can be learned from billionaires. They have achieved a level of success most people only dream of, and there is a lot to be learned from their stories. One thing that stands out among all billionaires is their resilience in the face of failure. They understand that failures are an important part of the learning process, and they use them to propel themselves forward.
While some people might see billionaires as lucky, the truth is that they have worked hard for their money.
In addition, excellence is a habit for billionaires; it is something that they do on a daily basis. In fact, many have a set billionaire morning routine.
Sure, billionaires have long-term goals, but they also take the time to break these goals into manageable milestones. This allows them to focus on their end goal while ensuring that they don’t become overwhelmed by it. In addition to setting goals, billionaires also know the importance of being decisive and taking calculated risks.
From the 3-comma club members, we can learn a lot about work ethic. Most of these billionaires achieved their wealth through sheer hard work and perseverance. They are not afraid of long hours or tough challenges, and they never give up on their dreams.
Now, the chance is for you to see how many figures you can earn.
Know someone else that needs this, too? Then, please share!!
Inside: Enjoy these millionaire quotes about achieving success! These statements will help you motivate yourself to achieve your goals and become a millionaire.
Success is not a destination- it’s a journey.
When you find yourself stuck, struggling to make progress on your goals, often the only thing that will inspire you to keep going is by reading quotes from other successful people who have been there before. So grab some time and read these meaningful quotes now!
Quoting people is a great way to remind yourself of your goals and stay motivated.
It’s easy to get distracted by the demands of life, so I like reaching for quotes that tell me what I need most right now.
Quotes by millionaires are a great source of inspiration and motivation for anyone looking to achieve success in life. Not only do they offer wise words of advice, but they also remind us that failure is an essential part of learning and achieving greater things.
So don’t be afraid to dream big and work hard towards making those dreams a reality.
In fact, here are the most inspiring millionaire quotes.
The power of millionaire quotes
Millionaire quotes have the power to change your life. If you’re feeling down or unmotivated, reading a few words from a millionaire can give you the boost you need to get back on track.
For example, Tony Robbins is one of the most successful millionaires in the world with a net worth of over $600 million. And he’s not the only one; there are countless millionaires out there who have made their fortune through hard work and determination.
When it comes to making money, these people know what they’re talking about! Their advice is worth listening to, and if you take their words to heart, you’ll be well on your way to success.
So next time you feel like giving up, read some inspiring quotes from millionaires and see how that changes your outlook on life. You may be surprised at just how powerful these words can be!
How to use millionaire quotes to achieve success
There is no one-size-fits-all answer to this question, as the best way to use millionaire quotes to achieve success depends on your personal goals and objectives.
However, some tips on how to use quotes to achieve success include:
Find quotes that resonate with you and inspire you.
Keep your goals in mind when reading quotes and using them to motivate you.
Write your own quotes and keep them in a place where you can see
If you’re looking to achieve success, millionaire quotes can be a great way to get started.
They provide inspiration and motivation and remind you that failure is not an option – which can be a great thing if you’re willing to learn from your mistakes.
The benefits of using millionaire quotes
Quotes by millionaires offer great advice and motivation for anyone looking to achieve success. They provide a unique perspective that can help you focus on your goals and push through any obstacle in your way. Additionally, these quotes can help increase productivity in any context and inspire creativity.
While it’s important to remember that not everyone is able to become a millionaire, following the advice of those who have achieved this level of success can be incredibly beneficial.
As Thomas A. Edison once said, “I have not failed. I’ve just found 10,000 ways that won’t work.”
This type of attitude will help you stay motivated even when things get tough.
Walt Disney also had some profound words of wisdom: “If you can dream it, you can do it.” This quote speaks to the idea that anything is possible if you put your mind to it.
Reaching your goals may seem difficult at times, but with enough determination and hard work, you’ll be able to accomplish anything.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Millionaire Mindset Quotes
These inspirational, motivational, and wise words from millionaires who achieved success despite all odds teach us that determination and perseverance is the key factor in life.
Your mindset will determine your outcome.
Enjoy some of the best millionaire mindset quotes…
1. “I can accept failure, everyone fails at something. But I can’t accept not trying.” – Michael Jordan
2. “Start with the end in mind. If you want to be a millionaire, talk like one, act like one, work like one.”- Bob Proctor
3. “When everything seems to be going against you, remember that the airplane takes off against the wind, not with it.” – Henry Ford
4. “The easiest thing I ever did was earn a million dollars. The hardest thing I ever did, and it took years, was believing I was capable of earning a million dollars.” – Les Brown
5. “There is no monopoly on becoming a millionaire. If you’re jealous of those with more money, don’t just sit there and complain – do something to make more money yourself.” Gina Rinehart
6. “You can’t connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something – your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.” – Steve Jobs
7. “Think like a queen. A queen is not afraid to fail. Failure is another steppingstone to greatness.” – Oprah Winfrey
8. “To win big, you sometimes have to take big risks.” – Bill Gates
9. “Fail trying; don’t fail watching.” – Bob Goff
10. “There are a ton of ups and downs, and many times our highest points come immediately after our lowest.” – Pat Flynn
Motivation is key to success. It is what drives us to achieve our goals and reach our potential.
There are many reasons why motivation is so important, but here are some of the most important ones:
Without motivation, it’s hard to stay focused and push through difficult tasks.
You’ll be more likely to give up if you’re not motivated.
Motivation gives you the energy you need to work hard and achieve your goals.
When you’re motivated, you’re more likely to take action and make progress towards your goals.
Now, here are the best motivation millionaire quotes to keep you going.
12. “When something is important enough, you do it even if the odds are not in your favor.” – Elon Musk
13. “You simply have to put one foot in front of the other and keep going. Put blinders on and plow right ahead.” – George Lucas
14. “You cannot push any one up a ladder unless he be willing to climb a little himself.” – Andrew Carnegie
15. “The future of humanity: a choice between the past and the present, between stagnation or progress.” – Vladimir Vernadsky
16. “If people are not laughing at your goals, your goals are too small.” – Azim Premji
17. “Before you can become a millionaire, you must learn to think like one. You must learn how to motivate yourself to counter fear with courage.” – Thomas J. Stanley
18. “Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition.” – Steve Jobs
19. “I’d rather regret the things I’ve done than regret the things I haven’t done.” – Lucille Ball
20. “Do not be embarrassed by your failures, learn from them and start again.” – Richard Branson
Success Millionaire Quotes
Your goals will help guide your lifestyle and create a more meaningful journey for you.
By reaching your goals along the way, you find success. It is those small milestones that can help you along your journey. Believing bigger is about knowing deep down inside you are successful.
Now, here are some of the best success millionaire quotes to start believing in today!
21. “My dad encouraged us to fail. Growing up, he would ask us what we failed at that week. If we didn’t have something, he would be disappointed. It changed my mindset at an early age that failure is not the outcome, failure is not trying. Don’t be afraid to fail.” – Sara Blakely
22. “Success if not final. Failure is not fatal.” – Teri Ijeoma
23. “It doesn’t matter how many times you fail. You only have to be right once and then everyone can tell you that you are an overnight success.” – Mark Cuban
24. “I have had all of the disadvantages required for success.” – Larry Ellison
25. “It’s fine to celebrate success but it is more important to heed the lessons of failure.” – Bill Gates
26. “Obviously everyone wants to be successful, but I want to be looked back on as being very innovative, very trusted and ethical and ultimately making a big difference in the world.” – Sergey Brin
27. “You don’t have to be a genius or a visionary or even a college graduate to be successful. You just need a framework and a dream.” – Michael Dell
28. “Setting goals is the first step in turning the invisible into the visible.” – Tony Robbins
29. “You can never quit. Winners never quit, and quitters never win.” – Ted Turner
30. “All of us, in a sense, struggle continuously all the time, because we never get what we want. The important thing which I’ve really learned is how do you not give up, because you never succeed in the first attempt.” – Mukesh Ambani
Millionaire Mentor Quotes
Self-made millionaires offer great insight and motivation for those working towards success. They remind us that failure is often a part of the journey, but it’s important to stay true to ourselves along the way.
When you are building a business or starting a new endeavor, wouldn’t you want to have a mentor looking over your shoulder and motivating you?
So, although you may not be able to afford to meet these millionaires in person, you can write their quotes on your planner or near your computer to keep you focused on making your million.
When we spend time with people who have achieved success, their positivity rubs off on us.
We can begin to see the world through their lens and get motivated to achieve our own goals.
31. “The biggest risk is not taking any risk… In a world that is changing really quickly, the only strategy that is guaranteed to fail is not taking risks.” – Mark Zuckerberg
32. “I believe people have to follow their dreams – I did.” – Larry Ellison
33. “If you don’t live your life, then who will?” – Rihanna
34. “Money is just a consequence. I always say to my team, ‘Don’t worry too much about profitability. If you do your job well, the profitability will come.’” – Bernard Arnault
35. “If you want to be successful, find someone who has achieved the results you want and copy what they do and you’ll achieve the same results.” – Tony Robbins
36. “Dedicating myself to actually following through was my single biggest achievement.” – Nick Woodman
37. “Always make a total effort, even when the odds are against you.” – Arnold Palmer
38. “I’m an entrepreneur. ‘Ambitious’ is my middle name.” – Kim Kardashian
39. “Talent without working hard is nothing.” – Cristiano Ronaldo
Strong Millionaire Quotes
Okay, there are times you need to hear the hard stuff. Like the coach whispering exactly what you need to be told when you weren’t executing as you should be.
These strong millionaire quotes are the ones that put us back on track.
They remind us why motivating yourself to achieve great success is necessary.
40. “Swim upstream. Go the other way. Ignore the conventional wisdom.” – Sam Walton
41. “Winning is not always the barometer of getting better.” – Tiger Woods
42. “If you’re afraid to fail, then you’re probably going to fail.” – Kobe Bryant
43. “If you don’t find a way to make money while you sleep, you will work until you die.” – Warren Buffett
44. “If you’re changing the world, you’re working on important things. You’re excited to get up in the morning.” – Larry Page
45. “Be thankful for what you have; you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough.” – Oprah Winfrey
46. “As long as you’re going to be thinking anyway, think big.” – Donald Trump
47. “Confidence is the most important single factor in this game, and no matter how great your natural talent, there is only one way to obtain and sustain it: work.” – Jack Nicklaus
48. “You have to be able to accept failure to get better.” – LeBron James
Millionaire Quotes about Life
Successful people are usually happy because they have found a way to be content in life while still reaching for more.
Regardless of the type of millionaire they are, they all find happiness in some form or another from their work. This in turn leads to greater motivation and a desire to keep growing and achieving more. Additionally, small challenges help to keep these levels of happiness and motivation high.
Here are the best millionaire quotes about living life to the fullest!
49. “I’d rather be optimistic and wrong than pessimistic and right.” – Elon Musk
50. “A brand for a company is like a reputation for a person. You earn reputation by trying to do hard things well.” – Jeff Bezos
51. “Everybody has equal opportunity, and I think that is true for everything.” – Mukesh Ambani
52. “If you are born poor it’s not your mistake, but if you die poor its your mistake.” – Bill Gates
53. “Treat your life like a game.” – Ray Dalio
54. “Self-praise is for losers. Be a winner. Stand for something. Always have class, and be humble.” – John Madden
55. “Being rich is a good thing. Not just in the obvious sense of benefitting you and your family, but in the broader sense. Profits are not a zero sum game. The more you make, the more of a financial impact you can have.” – Mark Cuban
56. “People should only profit to the extent they make other peoples lives better.” – Charles Koch
Future Millionaire Quotes
Success is a tricky thing to quantify.
This perspective can help you stay motivated as you work towards your goals- knowing that things are always changing and evolving. Additionally, it’s important not to compare yourself with anyone else in this world. You’ll only end up insulting yourself!
So from one millionaire to the next millionaire (you), here are the future millionaire quotes to memorize.
57. “You can’t just wish to be a millionaire; you have to figure out how to earn it.” – Dolly Parton
58. “Sometimes life hits you in the head with a brick. Don’t lose faith.” – Steve Jobs
59. “The key to life when it gets tough is to keep moving. Just keep moving.” – Tyler Perry
60. “Have fun. The game is a lot more enjoyable when you’re trying to do more than just make money.” – Tony Hsieh
61. “Education is the most important for our children, and it’s also the best investment.” -Bill Gates
62. “I never took a day off in my 20’s. Not One.” – Bill Gates
63. “At the end of the day, you know yourself best.” – Abigail Johnson
Millionaire Quotes about Money
Millionaire quotes are a great way to get motivated and inspired to achieve success. They offer a glimpse into the mindset of millionaires and what drives them.
Money is often seen as the key to happiness.
And while it can certainly bring a level of comfort and ease, it is not the only thing that can bring happiness. Hard work and dedication are essential for success, and it is important to believe in yourself and your dreams.
So, enjoy these millionaire quotes about money…
64. “Never depend on a single income. Make investments to create a second source.” – Warren Buffett
65. “If you do not see riches in your imagination, you will never see them in your bank balance.” – Napoleon Hill
66. “Most people fail to realize that in life, it’s not how much money you make. It’s how much money you keep.” – Robert Kiyosaki
67. “Rule No. 1: Never lose money. Rule No. 2: Never forget rule No.1” – Warren Buffet
68. “Why pay a dollar for a bookmark? Why not use the dollar for a bookmark?” – Steven Spielberg
69. “I want the last cheque I write to bounce.” – Chuck Feeney
70. “It’s not about the money, it’s about what you can do with the money.” – Thomas J. Stanley
Which Thing will You do to Result in More Wealth Opportunities?
So there you have it, 70+ powerful millionaire quotes to help you motivate yourself to achieve success.
These are people worth at least 7 figures – maybe even 10 figures.
If you want to become a millionaire, it all starts with taking action towards your goals.
Use these quotes as inspiration and fuel to keep you going on your journey to success.
Remember, it’s not about the destination, it’s about the journey.
Enjoy the process and don’t stress too much about the outcome. As long as you’re taking action and moving forward, you’re on the right track. Who knows, maybe you’ll be the next millionaire!
Know someone else that needs this, too? Then, please share!!
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
47k salary is a solid hourly wage when you think about it.
When you get your first job and you are making just above minimum wage making over $47,000 a year seems like it would provide amazing opportunities for you. Right?
The median household income is $68,703 in 2019 and increased by 6.8% from the previous year (source). Think of it as a bell curve with $68K at the top; the median means half of the population makes less than that and half makes more money.
The average income in the U.S. is $48,672 for a 40-hour workweek; that is an increase of 4% from the previous year (source). That means if you take everyone’s income and divided the money out evenly between all of the people.
But, the question remains can you truly live off 47,000 per year in today’s society since it is below both the average and median household incomes. The question you want to ask all of your friends is $47000 per year a good salary.
In this post, we are going to dive into everything that you need to know about a $47000 salary including hourly pay and a sample budget on how to spend and save your money.
These key facts will help you with money management and learn how much per hour $47k is as well as what you make per month, weekly, and biweekly.
Just like with any paycheck, it seems like money quickly goes out of your account to cover all of your bills and expenses, and you are left with a very small amount remaining. You may be disappointed that you were not able to reach your financial goals and you are left wondering…
Can I make a living on this salary?
$47000 a year is How Much an Hour?
When jumping from an hourly job to a salary for the first time, it is helpful to know how much is 47k a year hourly. That way you can decide whether or not the job is worthwhile for you.
$47000 a year is $22.60 per hour
Breakdown Of How Much Is 47k A Year Hourly
Let’s breakdown, how that 47000 salary to hourly number is calculated.
For our calculations to figure out how much is 47K salary hourly, we used the average five working days of 40 hours a week.
Typically, the average workweek is 40 hours and you can work 52 weeks a year. Take 40 hours times 52 weeks and that equals 2,080 working hours. Then, divide the yearly salary of $47000 by 2,080 working hours and the result is $22.60 per hour.
47000 salary / 2080 hours = $22.60 per hour
Just above $22 an hour.
Key Points….
That number is the gross hourly income before taxes, insurance, 401K, or anything else is taken out. Net income is how much you deposit into your bank account.
You must check with your employer on how they plan to pay you. For those on salary, typically companies pay on a monthly, semi-monthly, biweekly, or weekly basis.
Just an interesting note… if you were to increase your annual salary by $5K, it would increase your hourly wage to over $25 an hour – a difference of $2.40 per hour.
To break it down – 52000 salary / 2080 hours = $25.00 per hour
That difference will help you fund your savings account; just remember every dollar adds up.
How Much is $47K salary Per Month?
On average, the monthly amount would be $3,917.
Annual Salary of $47000 ÷ 12 months = $3917 per month
This is how much you make a month if you get paid 47000 a year.
$47k a year is how much a week?
This is a great number to know! How much do I make each week? When I roll out of bed and do my job of $47k salary a year, how much can I expect to make at the end of the week for my effort?
Once again, the assumption is 40 hours worked.
Annual Salary of$47000/52 weeks = $904 per week.
$47000 a year is how much biweekly?
For this calculation, take the average weekly pay of $904 and double it.
This depends on how many hours you work in a day. For this example, we are going to use an eight-hour workday.
8 hours x 52 weeks = 260 working days
Annual Salary of$47000 / 260 working days = $180 per day
If you work a 10 hour day on 208 days throughout the year, you make $226 per day.
$47000 Salary is…
$47000 – Full Time
Total Income
Yearly Salary (52 weeks)
$47,000
Monthly Wage
$3,917
Weekly Pay (40 Hours)
$904
Bi-Weekly Pay (80 Hours)
$1,808
Daily Wage (8 Hours)
$180
Daily Wage (10 Hours)
$226
Hourly Wage
$22.60
Net Estimated Monthly Income
$2,990
Net Estimated Hourly Income
$17.25
**These are assumptions based on simple scenarios.
47k a year is how much an hour after taxes
Income taxes is one of the biggest culprits of reducing your take-home pay as well as FICA and Social Security. This is a true fact across the board with an all salary range up to $142,800.
When you make below the average household income, the amount of taxes taken out hurts your hourly wage.
Every single tax situation is different.
On the basic level, let’s assume a 12% federal tax rate and a 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.
So, how much an hour is 47000 a year after taxes?
Gross Annual Salary: $47,000
Federal Taxes of 12%: $5,640
State Taxes of 4%: $1,880
Social Security and Medicare of 7.65%: $3,595
$47k Per Year After Taxes is $35,884
This would be your net annual salary after taxes.
To turn that back into an hourly wage, the assumption is working 2,080 hours.
$35884 ÷ 2,080 hours = $17.25 per hour
After estimated taxes and FICA, you are netting $32,830 per year, which is $10,170 per year less than what you expect.
***This is a very high-level example and can vary greatly depending on your personal situation and potential deductions. Therefore, here is a great tool to help you figure out how much your net paycheck would be.***
In addition, if you live in a heavily taxed state like California or New York, then you have to pay way more money than somebody that lives in a no tax state like Texas or Florida. This is the debate of HCOL vs LCOL.
Thus, your yearly gross $47000 income can range from $32124 to $37765 depending on your state income taxes.
That is why it is important to realize the impact income taxes can have on your take home pay. It is one of those things that you should acknowledge and obviously you need to pay taxes. But, it can also put a huge dent in your ability to live the lifestyle you want on a $47,000 income.
47k salary lifestyle
Every person reading this post has a different upbringing and a different belief system about money. Therefore, what would be a lavish lifestyle to one person, maybe a frugal lifestyle to another person. And there’s no wrong or right, it is what works best for you.
One of the biggest factors to consider is your cost of living.
In another post, we detailed the differences between living in an HCOL vs LCOL vs MCOL area. When you live in big cities, trying to maintain your lifestyle of $47,000 a year is going to be much more difficult because your basic expenses, housing, transportation, food, and clothing are going to be much more expensive than you would find in a lower cost area.
To stretch your dollar further in the high cost of living area, you would have to probably live cheap and prioritize where you want to spend money and where you do not. Whereas, if you live in a low cost of living area, you can live a much more lavish lifestyle because the cost of living is less. Thus, you have more fun spending left in your account each month.
As we noted earlier in the post, $47,000 a year is below the average income that you would find in the United States. Thus, you have to be wise with how you spend your money.
What a $47,000 lifestyle will buy you:
If you are debt free and utilize smart money management skills, then you are able to enjoy the lifestyle you want.
Have some fun money in your budget.
You are able to rent in a decent neighborhood in LCOL and maybe a MCOL city.
You should be able to meet your expenses each and every month.
Participate in the 200 envelope challenge.
Ability to make sure that saving money is a priority, and very possibly save $3000 in 52 weeks.
When A $47,000 Salary Will Hold you Back:
However, if you are riddled with debt or unable to break the paycheck to paycheck cycle, then living off of 47k a year is going to be pretty darn difficult.
There are two factors that will keep holding you back:
You must pay off debt and cut all fun spending and extra expenses.
Break the paycheck to paycheck cycle.
It is possible to get ahead with money!
It just comes with proper money management skills and a desire to have less stress around money. That is a winning combination regardless of your income level.
$47k Salary to Hourly
We calculated how much $47,000 a year is how much an hour with 40 hours a week. But, more than likely, you work more or fewer hours per week.
So, here is a handy calculator to figure out your exact hourly salary wage.
$47K a year Budget – Example
As always, here at Money Bliss, we focus on covering our basic expenses plus saving and giving first, and then our goal is to eliminate debt. The rest of the money leftover is left for fun spending.
If you want to know how to manage 47k salary the best, then this is a prime example for you to compare your spending.
You can compare your budget to the ideal household budget percentages.
recommended budget percentages based on $47000 a year salary:
Category
Ideal Percentages
Sample Monthly Budget
Giving
10%
$274
Savings
15-25%
$705
Housing
20-30%
$1018
Utilities
4-7%
$157
Groceries
5-12%
$313
Clothing
1-4%
$24
Transportation
4-10%
$157
Medical
5-12%
$196
Life Insurance
1%
$12
Education
1-4%
$12
Personal
2-7%
$35
Recreation / Entertainment
3-8%
$88
Debts
0% – Goal
$0
Government Tax (including Income Tatumx, Social Security & Medicare)
15-25%
$926
Total Gross Monthly Income
$3917
**In this budget, prioritization was given to basic expenses and no debt.
Is $47,000 a year a Good Salary?
As we stated earlier if you are able to make $47,000 a year, that is a decent salary. You are making more money than the minimum wage and close to double in many cities.
While 47000 is a good salary starting out in your working years. It is a salary that you want to increase before your expenses go up or the people you provide for increase.
However, too many times people get stuck in the lifestyle trap of trying to keep up with the Joneses, and their lifestyle desires get out of hand compared to their salary. It is okay to be driving around a beater car while you work on increasing your salary.
This $47k salary would be considered a lower middle class salary. This salary is something that you can live on if you are wise with money.
Check: Are you in the middle class?
In fact, this income level in the United States has enough buying power to put you in the top 95 percentile globally for per person income (source).
The question you need to ask yourself with your 47k salary is:
Am I maxed at the top of my career?
Is there more income potential?
What obstacles do I face if I want to try to increase my income?
In the future years and with possible inflation, in many modest cities 47k a year will not be a good salary because the cost of living is so high, whereas these are some of the cities where you can make a comfortable living at 47,000 per year.
If you are looking for a career change, you want to find jobs paying at least $55000 a year.
Is 47k a good salary for a Single Person?
Simply put, yes.
You can stretch your salary much further because you are only worried about your own expenses. A single person will spend much less than if you need to provide for someone else.
Learn exactly what is a good salary for a single person today.
Your living expenses and ideal budget are much less. Thus, you can live extremely comfortably on $47000 per year.
And… most of us probably regret how much money wasted when we were single. Oh well, lesson learned.
Is 47k a good salary for a family?
Many of the same principles apply above on whether $47000 is a good salary. The main difference with a family, you have more people to provide for than when you are single or have just one other person in your household.
The costs of raising children are high and will steeply cut into your income. As you can tell this is a huge dent in your income, specifically $12,980 annually per child.
That means that amount of money is coming out of the income that you earned.
So, the question really remains is can you provide a good life for your family making $47,000 a year? This is the hardest part because each family has different choices, priorities, and values.
More or less, it comes down to two things:
The location where you live in.
Your lifestyle choices.
You can live comfortably as a family on this salary, but you will not be able to afford everything.
Many times when raising a family, it is helpful to have a dual-income household. That way you are able to provide the necessary expenses if both parties were making 47000 per year, then the combined income for the household would be $94,000. Thus making your combined salary a very good income.
Learn how much money a family of 4 needs in each state.
Can you Live on $47000 Per Year?
As we outlined earlier in the post, $47,000 a year:
$22.60 Per Hour
$180-226 Per Day (depending on length of day worked)
$904 Per Week
$1808 Per Biweekly
$3916 Per Month
Next up is making $50000 a year.
Like anything else in life, you get to decide how to spend, save and give your money.
That is the difference for each person on whether or not you can live a middle-class lifestyle depends on many potential factors. If you live in California or New Jersey you are gonna have a tougher time than in Oklahoma or even Texas.
In addition, if you are early in your career, starting out around 38,000 a year, that is a great place to be getting your career. However, if you have been in your career for over 20 years and still making $47k, then you probably need to look at asking for pay increases, pick up a second job, or find a different career path.
Regardless of the wage that you make, if you are not able to live the lifestyle that you want, then you have to find ways to make it work for you. Everybody has choices to make.
But one of the things that can help you the most is to create a biweekly budget to make sure you stay on track.
Learn exactly how much do I make per year…
One of the best ways to improve your personal finance situation is to increase your income. Here are a variety of side hustles that are very lucrative. With time and effort, you can start enjoying the lifestyle you want.
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38k salary is a solid hourly wage; above most minimum hourly wage jobs.
For most people, an entry-level job would be paying just over $38,000 a year. The question that remains is can you make a living off $38k a year.
The median household income is $67,521 in 2020 which decreased by 2.9% from the previous year (source). Think of it as a bell curve with $68K at the top; the median means half of the population makes less than that and half makes more money.
The average income in the U.S. is $48,672 for a 40-hour workweek; that is an increase of 4% from the previous year (source). That means if you take everyone’s income and divided the money out evenly between all of the people.
But, the question remains can you truly live off 38,000 per year in today’s society since it is well below both the average and median household incomes. The question you want to ask all of your friends is $38000 per year a good salary.
In this post, we are going to dive into everything that you need to know about a $38000 salary including hourly pay and a sample budget on how to spend and save your money.
These key facts will help you with money management and learn how much per hour $38k is as well as what you make per month, weekly, and biweekly.
Just like with any paycheck, it seems like money quickly goes out of your account to cover all of your bills and expenses, and you are left with a very small amount remaining. You may be disappointed that you were not able to reach your financial goals and you are left wondering…
Can I make a living on this salary?
$38000 a year is How Much an Hour?
When jumping from an hourly job to a salary for the first time, it is helpful to know how much is 38k a year hourly. That way you can decide whether or not the job is worthwhile for you.
38000 salary / 2080 hours = $18.27 per hour
$38000 a year is $18.27 per hour
Let’s breakdown how that 38000 salary to hourly number is calculated
For our calculations to figure out how much is 38K salary hourly, we used the average five working days of 40 hours a week.
Typically, the average workweek is 40 hours and you can work 52 weeks a year. Take 40 hours times 52 weeks and that equals 2,080 working hours. Then, divide the yearly salary of $38000 by 2,080 working hours and the result is $18.27 per hour.
Just above $18 an hour.
That number is the gross hourly income before taxes, insurance, 401K, or anything else is taken out. Net income is how much you deposit into your bank account.
You must check with your employer on how they plan to pay you. For those on salary, typically companies pay on a monthly, semi-monthly, biweekly, or weekly basis.
What If I Increased My Salary?
Just an interesting note… if you were to increase your annual salary by $5K to $43K per year, it would increase your hourly wage to over $20 an hour – a difference of $2.40 per hour.
To break it down – 43k a year is how much an hour = $20.67
That difference will help you fund your savings account; just remember every dollar adds up.
How Much is $38K salary Per Month?
On average, the monthly amount would be $3,167.
Annual Salary of $38000 ÷ 12 months = $3167 per month
This is how much you make a month if you get paid 38000 a year.
$38k a year is how much a week?
This is a great number to know! How much do I make each week? When I roll out of bed and do my job of $38k salary a year, how much can I expect to make at the end of the week for my effort?
Once again, the assumption is 40 hours worked.
Annual Salary of$38000/52 weeks = $730 per week.
$38000 a year is how much biweekly?
For this calculation, take the average weekly pay of $730 and double it.
This depends on how many hours you work in a day. For this example, we are going to use an eight-hour workday.
8 hours x 52 weeks = 260 working days
Annual Salary of$38000 / 260 working days = $146 per day
If you work a 10 hour day on 208 days throughout the year, you make $182 per day.
$38000 Salary is…
$38000 – Full Time
Total Income
Yearly Salary (52 weeks)
$38,000
Monthly Salary
$3,166
Weekly Wage (40 Hours)
$730
Bi-Weekly Wage (80 Hours)
$1,461
Daily Wage (8 Hours)
$146
Daily Wage (10 Hours)
$168
Hourly Wage
$18.27
Net Estimated Monthly Income
$2,418
Net Estimated Hourly Income
$13.95
**These are assumptions based on simple scenarios.
38k a year is how much an hour after taxes
Income taxes is one of the biggest culprits of reducing your take-home pay as well as FICA and Social Security. This is a true fact across the board with an all salary range up to $142,800.
When you make below the average household income, the amount of taxes taken out hurts your hourly wage.
Every single tax situation is different.
On the basic level, let’s assume a 12% federal tax rate and a 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.
So, how much an hour is 38000 a year after taxes?
Gross Annual Salary: $38,000
Federal Taxes of 12%: $4,560
State Taxes of 4%: $1,520
Social Security and Medicare of 7.65%: $2,907
$38k Per Year After Taxes is $29,013
This would be your net annual salary after taxes.
To turn that back into an hourly wage, the assumption is working 2,080 hours.
$29013 ÷ 2,080 hours = $13.95 per hour
After estimated taxes and FICA, you are netting $29,013 per year, which is $8,987 per year less than what you expect.
***This is a very high-level example and can vary greatly depending on your personal situation and potential deductions. Therefore, here is a great tool to help you figure out how much your net paycheck would be.***
Taxes Based On Your State
In addition, if you live in a heavily taxed state like California or New York, then you have to pay way more money than somebody that lives in a no tax state like Texas or Florida. This is the debate of HCOL vs LCOL.
Thus, your yearly gross $38000 income can range from $25,973 to $30,533 depending on your state income taxes.
That is why it is important to realize the impact income taxes can have on your take home pay. It is one of those things that you should acknowledge and obviously you need to pay taxes. But, it can also put a huge dent in your ability to live the lifestyle you want on a $38,000 income.
How Much Is 38K A Year Hourly Salary Calculator
More than likely, your salary is not a flat 38k, here is a tool to convert salary to hourly calculator.
Many entry level jobs start at this range, which may make you believe that a business degree is worth it.
38k salary lifestyle
Every person reading this post has a different upbringing and a different belief system about money. Therefore, what would be a lavish lifestyle to one person, maybe a frugal lifestyle to another person. And there’s no wrong or right, it is what works best for you.
One of the biggest factors to consider is your cost of living.
In another post, we detailed the differences of living in an HCOL vs LCOL vs MCOL area. When you live in big cities, trying to maintain your lifestyle of $38,000 a year is going to be extremely difficult because your basic expenses, housing, transportation, food, and clothing are going to be much more expensive than you would find in a lower cost area.
To stretch your dollar further in the high cost of living area, you would have to probably live a very frugal lifestyle and prioritize where you want to spend money and where you do not. Whereas, if you live in a low cost of living area, you can afford the cost of living and maybe save more money. Thus, you have more fun spending left in your account each month.
As we noted earlier in the post, $38,000 a year is well below the average income that you would find in the United States. Thus, you have to be wise with how you spend your money.
What a $38,000 lifestyle will buy you:
If you are debt free and utilize smart money management skills, then you are able to enjoy the lifestyle you want.
You are able to rent in a decent neighborhood in LCOL.
Driving a beater car is normal.
You should be able to meet your basic expenses each and every month.
Not be able to afford many of the fun spending luxuries.
Participate in the 200 envelope challenge.
When A $38,000 Salary Will Hold you Back:
However, if you are riddled with debt or unable to break the paycheck to paycheck cycle, then living off of 38k a year is going to be pretty darn difficult.
There are two factors that will keep holding you back:
You must pay off debt and cut all fun spending and extra expenses.
Break the paycheck to paycheck cycle.
It is possible to get ahead with money!
It just comes with proper money management skills and a desire to have less stress around money. That is a winning combination regardless of your income level.
$38K a year Budget – Example
As always, here at Money Bliss, we focus on covering our basic expenses plus saving and giving first, and then our goal is to eliminate debt. The rest of the money leftover is left for fun spending.
This is how zero based budgeting works.
If you want to know how to manage 38k salary the best, then this is a prime example for you to compare your spending.
You can compare your budget to the ideal household budget percentages.
recommended budget percentages based on $38000 a year salary:
Category
Ideal Percentages
Sample Monthly Budget
Giving
10%
$158
Savings
15-25%
$570
Housing
20-30%
$887
Utilities
4-7%
$127
Groceries
5-12%
$253
Clothing
1-4%
$19
Transportation
4-10%
$127
Medical
5-12%
$158
Life Insurance
1%
$10
Education
1-4%
$10
Personal
2-7%
$29
Recreation / Entertainment
3-8%
$71
Debts
0% – Goal
$0
Government Tax (including Income Tatumx, Social Security & Medicare)
15-25%
$749
Total Gross Monthly Income
$3,167
**In this budget, prioritization was given to basic expenses and no debt.
Is $38,000 a year a Good Salary?
As we stated earlier if you are able to make $38,000 a year, that is a low salary. You are making around or just above minimum wage.
While 38000 is a decent salary just starting out in your working years, it is a salary that you want to rapidly increase before your expenses go up or the people you provide for increase. If not, you will be left working multiple jobs to make ends meet.
However, too many times people get stuck in the lifestyle trap of trying to keep up with the Joneses, and their lifestyle desires get out of hand compared to their salary. And what they thought used to be a great salary actually is not making ends meet at this time.
This $38k salary would be considered a lower class salary. You must make each dollar count in your budget.
Check: Are you in the middle class?
In fact, this income level in the United States has enough buying power to put you in the top 95 percentile globally for per person income (source).
The question you need to ask yourself with your 38k salary is:
Am I maxed at the top of my career?
Is there more income potential?
What obstacles do I face if I want to try to increase my income?
In the future years and with possible inflation, in many modest cities a 38,000 a year is not a good salary because the cost of living is so high, whereas these are some of the cities where you can make a decent living at 38,000 per year.
If you are looking for a career change, you want to find jobs paying at least $50000 a year.
Is 38k a good salary for a Single Person?
Simply put, you can make it work.
You can stretch your salary much further because you are only worried about your own expenses. A single person will spend much less than if you need to provide for someone else.
Your living expenses and ideal budget are much less. Thus, you can live comfortably on $38000 per year.
And… most of us probably regret how much money wasted when we were single. Oh well, lesson learned.
Is 38k a good salary for a family?
Many of the same principles apply above on whether $38000 is a good salary. The main difference with a family, you have more people to provide for than when you are single or have just one other person in your household.
At the 38K salary with a family, you would need more than one income stream to make this possible without government help.
The costs of raising children are high and will steeply cut into your income. As you can tell this is a huge dent in your income, specifically $12,980 annually per child.
That means that amount of money is coming out of the income that you earned.
So, the question really remains is can you provide a good life for your family making $38,000 a year? This is the hardest part because each family has different choices, priorities, and values.
More or less, it comes down to two things:
The location where you live in.
Desire to improve your career and make more money.
Your lifestyle choices.
You will not be able to afford everything on this salary.
Many times when raising a family, it is helpful to have a dual-income household. That way you are able to provide the necessary expenses if both parties were making 38,000 per year, then the combined income for the household would be $76,000. Thus making your combined salary a very good income.
Learn how much money a family of 4 needs in each state.
Can you Live on 38000 Per Year?
As we outlined earlier in the post, $38,000 a year:
$18.27 Per Hour
$146-182 Per Day (depending on length of day worked)
$730 Per Week
$1,461 Per Biweekly
$3,166 Per Month
Next up is making $40,000 a year.
Like anything else in life, you get to decide how to spend, save and give your money.
That is the difference for each person on whether or not you can live a lower-class lifestyle depends on many potential factors. If you live in Washington or New Jersey you are gonna have a tougher time than in Florida or even Texas.
In addition, if you are early in your career, starting out around 32,000 a year, that is a okay place to be getting your career. However, if you have been in your career for over 20 years and still making $38K, then you probably need to look at asking for pay increases, pick up a second job, or find a different career path.
Regardless of the wage that you make, if you are not able to live the lifestyle that you want, then you have to find ways to make it work for you. Everybody has choices to make.
But one of the things that can help you the most is to stick to our ideal household budget percentages to make sure you stay on track.
Learn exactly how much do I make per year…
One of the best ways to improve your personal finance situation is to increase your income. Here are a variety of side hustles that are very lucrative. With time and effort, you can start enjoying the lifestyle you want.
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Inside: Many jobs are available in the early morning hours. This is an opportunity to make a bit of extra money before your 9-5 or when kids are at school with early morning jobs.
It’s a commonly held belief that working the early shift is not worth it. If you’re waking up at 4 am every day for work, your earnings will be drastically lower than if you worked a regular 8-hour day.
The idea of this article is to show why it could actually be worth waking up before sunrise and trying to earn more money by doing these “early” jobs in earnest.
For me, many of my jobs have always followed the non-traditional hours of a 9-5 job. Personally, that works great for me as it frees up my day for other things, pursuits, and kids.
The funniest part is I’m not a morning person by any stretch of the imagination! Yet, I make my money early in the day consistently.
So, if you are thinking, early morning jobs are not for me – wait until you actually give it a try.
In this article, you will find a list of jobs that are available for people who love working early hours as I do and want more money!
Hint, hint… It is the allure of making money that gets me motivated and out of bed!
How can I make money early in the morning?
There are a variety of early morning jobs that you can do in order to make some extra money.
You just need to find one that is a good fit for your lifestyle and personality. It’s important to pick an early morning job that you feel comfortable doing so that you don’t dread waking up early every day.
Additionally, many employers are willing to pay a premium for employees who are willing to work the early shift.
Making money early in the morning is easy if you put your mind to it.
How early is an early morning shift?
An early morning shift jobs start between 3 and 6 am and typically ends late morning or early afternoon.
This gives people the opportunity to work during the daytime and still have time for other activities in the evening.
Most start work at 5 am.
Why morning jobs are better?
Working the early shift has its perks.
For one, you’re done working by the afternoon and can run errands, schedule appointments, and socialize. Secondly, many employers are willing to pay a higher wage for employees who are willing to work during the morning hours.
Additionally, many people opt for an earlier start who want to avoid the rush hour traffic or those who have children they need to care for once the school day is over.
Plus some people work early morning hours because they want a flexible schedule, while others do it because they need the extra money. No matter your reason, there are plenty of opportunities to make money in the early hours of the day.
The 10 Best Early Morning Jobs
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The most common are shift work jobs, which require employees to work during hours that are not typically considered “normal” working hours. This can include the night shift, early morning shift, or swing shift.
There are many different types of early morning jobs. The most popular type is a full-time job, but there is also part-time, temporary, and freelance work available. Each type of job has its own advantages and disadvantages.
1. Warehouse Worker
Warehouse workers are responsible for ensuring that goods are unloaded from trucks, inspected for any damage or defects, and sorted and placed in the correct locations in warehouses or stores. They may also be responsible for preparing goods for shipment to customers.
Most of these positions are for early morning hours.
This can be a great opportunity for people who are looking for work and would prefer to work during the earlier hours of the day.
2. Barista
Barista is the term used to describe a person who performs coffee-related tasks, such as preparing and serving espresso drinks. Ideally, baristas serve beverages in establishments that offer coffee or other hot beverages.
Baristas are in high demand and typically have flexible hours. They can earn up to $15 per hour, depending on their level of experience.
Plus you have the flexibility of afternoons off after the morning rush.
3. Stock Trader
For those who want to work from their own home and have flexibility in their schedule, then you want to learn how to become a successful stock trader. Someone who buys and sells stocks to make income.
This is a highly lucrative side hustle for many people. In fact, how fast can you make money in stocks?
Personally, this is what I choose for my early morning job.
Stock Trading can be a full-time career opportunity if you have the ambition and patience to make it through the ups and downs.
Many people start trading with the hope of generating supplemental income, but it can become more than that with hard work and consistent effort.
Nowadays, the barrier of entry is very low to start trading stocks. However, you need to take the best online investing classes first.
4. Personal Trainer
Personal trainers typically offer their services at early morning hours, before most people go to work.
They help people achieve their fitness goals, whether it be weight loss, toning up, or building muscle. Personal trainers are responsible for creating workout routines and helping their clients stay on track.
Personal trainers are in high demand and the median salary is around $40,000 per year. If you have the time and availability, you can build a client base and the earning potential is endless.
5. Package Delivery
Another morning job hiring near me is package delivery drivers. These workers are responsible for the delivery of a shipment of goods from one place to another.
This position offers consistent and part-time morning hours. You will be responsible for package delivery in the area. Pay normally starts at $21 an hour plus.
6. Online Seller/Flipper
Side hustles are becoming more and more popular as people look for ways to make extra money.
One way to make some extra cash is by selling items online.
You could also get these items at local yardsales, estate sales, or donation stores and sell your items on Etsy, eBay, or Facebook Marketplace.
If this is something you are serious about, then check out Flea Market Flippers.
7. Freelancing
Freelancing is a great option for people who want to work on their own schedule. You can choose when you want to work and how much you want to work, which is great for people who want to get an early start on their day.
Freelancing can be a great way to utilize your skills and make some extra money on the side, but it’s important to keep in mind that freelancing is a business.
In fact, many people start freelancing as a side hustle in order to make some extra money but it may turn into a full-time career. In fact, according to recent studies, 1 in 3 Americans are now freelancing. This number is only going to grow in the years to come so don’t be afraid to start freelancing yourself. It may just lead to a more fulfilling career.
Learn how to earn money writing.
8. Baker
Bakers are often some of the first people to arrive at a bakery or shop. This is because many bakeries and shops open early in the morning.
Bakers are responsible for baking bread, pastries, and other items. They are required to have a fundamental understanding of baking as well as the ability to work in early morning shifts and afternoon shifts. They must also be able to handle flexible hours.
Bakers typically earn an hourly wage of around $14 an hour, but with experience and additional skills (like cake decoration), that number can go up to $20 an hour or more.
9. Online English Tutor
There are many opportunities for online English teachers to make money. One great opportunity is for early risers who want to work from home in the morning. There are many students looking for online classes at this time of day.
There are a number of companies that offer English teaching jobs to those who are certified in teaching English as a second language. The majority of these positions have you teaching students in China, Korea, or Taiwan. However, there are also opportunities to teach business professionals and executives in other countries.
If you’re looking for a way to make some extra money, becoming an English tutor for international students is a great option. You can typically expect to earn around $14-$22 per hour, depending on your experience and qualifications.
10. Flight Attendant
Flight attendants are responsible for the safety and comfort of passengers on an airplane. They must attend to passengers’ needs, provide information about flights, and ensure that all safety regulations are followed.
Flight attendants typically work long hours, often including overnight shifts, and earn an average salary of over $75,000 per year.
However, with more experience, they can make more money. Some ticket counters open as early as 4 am in order to prepare for morning departures.
Other Types of Early Morning Jobs
Those are not the only type of early morning jobs. There are plenty more morning jobs near me. You can find both part-time and full-time.
Here are more jobs to pursue.
1. Store Stocker
A store stocker is a person who stocks shelves in a grocery store. The stores they work at are typically open 24 hours and the job entails cleaning, restocking items that run out of stock, and making sure the shelves are neat.
This is typically an entry-level position in a grocery store or department store.
2. Childcare Related Jobs
Have you ever asked what are morning jobs hiring near me, then consider working with children. There are always plenty of open jobs to look after kids.
Here are some positional childcare related jobs:
Preschool teacher
Paraeducator
Substitute teacher
Daycare teacher
Nanny
Before and after-school programs
In all honestly, this can be one of the most rewarding morning jobs because kids will always make sure you laugh and smile.
3. Rideshare Driver
Yes, driving for Uber or Lyft can be a great way to make some extra money early in the morning. The hours are flexible and you can often make good money during those times.
The most popular route is heading to the airport.
Since many people book these types of rides in advance, you can earn a steady stream of income.
4. School Bus Driver
School bus drivers are responsible for transporting children to and from school. They ensure the safety of students on their bus as well as have a number of other responsibilities such as making sure all students are wearing their seatbelts and that the bus is clean.
Right now, we are facing a severe school bus driver shortage, which is affecting how children must get to school.
In many areas, you can find starting hourly wages for school bus drivers at $19 an hour.
5. Dog Walker
There are many ways to make money through Rover. You can provide pet care, pet sitting, dog walking, and more. You can also choose to offer services like delivery or house sitting. The options are endless!
This is one of the easiest ways to make money.
6. Truck Driver
A truck driver drives a semi-trailer truck loaded with freight. They drive the freight to its destination and unload it when they arrive.
For truck drivers who want to save money on fuel or have good mileage, the best time to drive is during the early morning hours. This is when there is less traffic and you can avoid rush hour.
Truck drivers can make a lot of money. In fact, they can earn up to $35 an hour. That’s a lot of money for early morning work.
Don’t want to drive? Then, become the middleman. Learn the exact freight broker salary.
7. Landscaper (Yard Work)
If you’re an early riser and you’re looking for a job that gets you outside, landscaping is a great option. It’s hard work, but it can be very rewarding.
It might be hard to get your services as there are already established landscapers in the area. If you don’t have a business, see if there is a business that needs lawn work done and if so, offer your services. You can also go door-to-door asking people if they need their yards done; just make sure you have a good sales pitch ready!
This seasonal job is great to do in the morning because it tends to be cooler and there’s more daylight. The pay usually ranges from $10 to $20 an hour, so it’s a good way to make some extra money.
8. Chef
Chefs are some of the most hard-working professionals in the culinary industry.
They often start their day at 4 am, preparing for the onslaught of orders and tasks that come with a busy kitchen.
While many chefs have formal training from culinary schools, there are also many ways to learn the trade. Some chefs start out as dishwashers and work their way up the ladder, while others may take online courses or watch cooking shows to learn new techniques.
The average salary for a chef is just over $50,000 a year.
9. Mail Carrier
Mail carrier and other postal worker jobs are excellent for early risers because there is a lot of work that goes on behind the scenes before delivering mail.
These types of jobs offer some excellent benefits that can be harder to find these days.
Mail carriers are nearly always employed by the United States Postal Service, but they can also be hired independently.
10. Factory Worker
Factory work can be a great option for people who are looking for full-time or part-time work. The hours are usually regular, and the job doesn’t require many if any formal qualifications. However, you may need some experience in the field and a high school diploma.
However, if you have practical skills such as forklift driving, you can earn more by picking up shifts in the mornings, nights, or weekends. The work is physically demanding so you’ll need to be in shape and stand or sit in one position all day long.
Working the early shift at a factory can be tough, but it also has its benefits. The pay can vary a great deal depending on the company, so it’s important to do your research. However, if you’re looking for work and don’t mind getting up early, then this might be the perfect opportunity for you.
11. Part-time Retail Employee – Early Morning
Part-time Retail employees working early morning shifts will be paid for their time. There are always companies looking to hire for early morning jobs.
These are great for stay-at-home moms. In fact, the employee discount can be a nice bonus for working there.
This is a perfect low stress job after retirement.
12. Gig Worker
Gig work is a term used for short-term, contract-based work. It can be a great way to have more control over your schedule and to make some extra money on the side. There are many different types of gig work available, so you’re sure to find something that suits your skills and interests.
Those who need to run errands or get an early start on their day may use gig work apps like Grubhub, Postmates, DoorDash, and Uber Eats. Additionally, you can increase your chances of getting gigs by downloading all the relevant apps and clicking on the one that seems to produce the best results.
13. Farm Worker
As you can imagine, farm work can be difficult, but if you’re someone who loves working outdoors and enjoys physical labor, then this may be a great career for you.
Farm workers are typically hired based on their qualifications and experience.
If you can offer the help local farmers need, you should be a great fit for the position. Farm work is often physical labor, so make sure you’re physically prepared for the job before applying.
14. Morning Radio DJ
Morning radio DJs reflect the lives of their listeners, who may be early risers or working professionals. The job involves playing music and talking about topics that are important to the listener in order to help them wake up and start the day.
The main goal of morning show DJs is to keep listeners tuned into their station while providing a fair amount of entertainment.
Starting out your career in radio can be a great way to get started in the industry. Many DJs start their careers at small community or college radio stations and then move on to bigger stations as they gain more experience. The morning time slot is from 6 AM to Noon, which is a great opportunity to reach a large audience.
15. Cleaner
There is a high demand for cleaning services and cleaners can earn up to $22 per hour, plus tips. Some of the highest earners are making over $1000 a week.
This is one type of service that is not going away and the barriers to entry are extremely low. The average cost a house cleaner charges are $50-90 for two hours of work.
16. Online Surveys
That’s the beauty of online surveys – you can do them at any time of the day that works for you.
You don’t need to focus too much on taking them, either; in most cases, you can do other things while completing the survey. This means that they’re a great way to make some extra money without having to put in a lot of effort.
The best surveys are normally released first thing in the morning and only available for a limited time. That’s why it’s important to do online surveys as soon as they’re available. This will give you the best chance of getting rewarded for your efforts.
Best Online Survey Companies:
Where to find morning jobs near me?
Some tips for finding early morning jobs include using job search engines, checking job boards, and networking with friends and family. It is also important to be prepared for the interview and to have a strong resume.
If you’re looking for a job that starts early in the morning, you’re in luck! There are many jobs available that start at 5 am, 6 am, 7 am or 8 am. You can find these jobs by searching online or by going to your local job center.
It’s never too early to start looking for a job.
In fact, many people start their job search well before they’re actually ready to start working. This is because it can take some time to find the right job for you. And remember, it’s important to keep learning and earning money so you can be happy!
The best way to find an early morning job is to search online.
What to do when you land an early morning job
So you’ve landed an early morning job. Congratulations! This can be a challenging but rewarding experience when you first start out.
Prepare what your days will look like with your early morning job.
If you are adding a second job, make sure you are fully rested to take on both jobs.
Tips for surviving the early shift
When you start your early morning job, the most important thing is to get a good night’s sleep.
In fact, most of the early birds actually follow the billionaire morning routine to get in their flow.
Here are a few tips to help make the most of it:
Get plenty of rest the night before. It’s important to be well-rested for those early morning shifts.
Arrive on time. Punctuality is key in any profession, especially so when working the early shift.
Stay focused and work hard. Those early hours can be tough, but it’s important to stay productive and get the job done right.
Take breaks as needed. It’s important to stay hydrated and quick breaks to recharge your batteries.
Enjoy your free time wisely. The evening hours are precious, so make sure to use them wisely and enjoy your time off responsibly.
What morning time jobs interest You?
Early morning jobs are a great opportunity for those looking to make a bit of extra money.
They are also a great way to get your foot in the door with a company you are interested in working for.
Plus you don’t have to debate is a business degree worth it as many of these jobs don’t require one. In fact, find low-stress jobs that pay well without a degree now.
In the post, we detailed plenty of early morning jobs. Since you are getting up earlier than most people prefer, make sure you pick an interest that can become a life-long career.
You want to be passionate about what you are doing early in the morning!
Especially because you don’t want to start only to say… “I don’t want to work anymore.”
Be sure to dress for success, be punctual, and be prepared to work hard and you will be sure to land an early morning job.
Know someone else that needs this, too? Then, please share!!
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Zero based budgeting is a process where every dollar that comes in goes to the number one priority.
It’s an effective way of prioritizing your money and executing properly, but it can be hard to know where to start when you are just getting started with this new system.
Budgeting can be a nightmare when you don’t have the mindset and tools to make it easier.
So many people struggle with money- they are overspending on things their family doesn’t need or doesn’t enjoy, which causes stress in their lives. But if your goal is financial freedom, it’s time to learn about a new budgeting system.
If you have a desire to:
Spend less than you make
Get out of debt
Save money faster
Become financially independent
Then, you are in the right place! Let how easy and simple zero based budgeting really is!
Decide what you want your budget to achieve: a zero-based budget forces you to think about what you want your money to do, rather than just accepting the status quo.
If you want to use zero based budgeting but aren’t sure where to start, this article will guide you through setting it up in an easy and effective way.
What is zero based budgeting?
Zero based budgeting is a financial planning strategy where every dollar in the budget has a specific purpose. With this type of budget, it can be helpful for those looking to get their finances in order or who want more control over their spending.
A zero based budget is when you start from scratch every month and assign every dollar a job.
Income – Expenses = $0
You begin by calculating your income for the month, then subtracting your known expenses. What’s left is $0, which means you have to get creative with how you’ll spend the rest of your money.
You can use a zero based budget template to help make this process easier.
What are the benefits of using a zero based budget template?
There are many benefits to using a zero based budget template.
Perhaps the most obvious benefit is that it allows you to see where every penny is going. This comprehensive view gives you a clear picture of your expenses and makes it easy to identify areas where you can cut back on spending.
In addition, using a zero based budget helps individuals worry less about their financial health. Since all living expenses are accounted for in the budgeting process, there is no need to panic if an unexpected expense pops up. This peace of mind can be very helpful when trying to stick to long-term financial goals.
A zero based budget template is also easy to follow. The basic plan can be executed without any difficulty, making it a great choice for people who want a simple way to manage their finances.
How to create a zero based budget template?
A zero based budget template can be helpful in tracking your money and achieving financial goals.
There are a variety of ways to create a zero based budgeting template, and no one size fits all approach. That is why we offer a zero based budget template in our shop that you can modify to your needs.
There are a few key things you’ll need to create your zero based budget template. The first is a list of your monthly income, expenses, and savings goals for the year. This will help you stay on track and plan ahead.
The next step is to individually itemize each expense and income. This may be time-consuming but it’s crucial in order to get an accurate picture of where your money is going.
After that, it’s important to track your spending and income on a monthly basis. This will help you see if you’re meeting your goals or not.
It is important to choose the proper zero based budgeting template for your needs.
What are the 5 steps in creating a zero based budget?
There are five steps in creating a zero-based budget. This system was made popular by Dave Ramsey.
We will quickly outline the five steps to make your first zero based budget. Then, we will go into detail on creating your own zero based budget.
List your income
List your expenses
Subtract your income from expenses to reach zero
Track your expenses.
Make a new budget for the next month or pay period.
One way to ensure success by following a zero based budget is by taking small steps instead of making large changes all at once–this can be difficult for some people who are used to living paycheck-to-paycheck.
Another suggestion is to allow yourself some “fun money” so that you don’t feel too restricted while trying to adjust your spending habits.
By following these tips and using a zero based budgeting template, you can successfully get yourself back on track financially!
How to Create a Zero Based Budget
Zero-based budgeting is a system of budgeting that has been gaining in popularity since the introduction of personal computers and spreadsheets. It encourages decision-making based on values and not numbers, which is important in a time when numbers are often used to make decisions.
Zero-based budgeting allows you to start with a clean slate and create your own vision of what the future looks like.
You will need to gather all of your financial information together, including your income, debts, and expenses.
Step # 1: List out your income
The first step in creating a zero based budget is to list out all of your income.
This should include job income, side hustles, rental properties, alimony, child support, and investment income. Once you have a complete picture of your income sources, you can start to make decisions about how to allocate your money.
It is important to decide how you plan to budget your money on a monthly basis, bi-weekly basis, or by paycheck.
Step #2: Tally up your expenses
Be sure to include any regular expenses you have as well, such as rent or mortgage payments, car loans, and credit card bills.
Think of all of the budgeting categories you need for absolutely everything.
This will help you track your spending more closely and make it easier to find areas where you can cut back. Some people recommend creating as many budgeting categories as possible, including for example:
Housing
Utilities
Food
Transportation
Entertainment
Health care
If there’s something that doesn’t fit neatly into a category, come up with a name for it that will help you remember what it is. For example, “clothes” or “misc.”
You’ll also need to factor in any debts you may have.
Step #3: Get your budget to zero
Once you have a full list of your expenses, it’s time to subtract that amount from your income. Then, figure out if you are close to zero.
This is where you will likely have to make adjustments.
There are two ways to get your budget to zero- either spend less than you make (aka cut spending) or make more money.
If you want to stay out of debt and save money, it’s important to do one or both of these things. It may be difficult at first, but with a little bit of effort, you can get your budget under control and start saving for the future.
Budgeting is an extremely important tool to have in your financial arsenal. It allows you to have more control over your money and can help you make more of it. By following a few simple steps, you can get your budget to zero and start saving for the future.
Step # 4: Track your expenses
In order to be successful with a zero based budget, you have to be willing and able to track your expenses. This means being mindful of every penny that goes in and out of your account – ALL month long!
By tracking your expenses, you’re ensuring that every penny goes into the right place. This enables you to see where your money is going and how you can save in specific areas.
Expenses tracking apps allow you to easily record, categorize, and analyze your spending. They let you see how much money you spend on different categories of items from groceries to travel and more. Some of the most popular apps are Simplifi, You Need a Budget, and Qube Money.
This also makes tax season less daunting because you’ll have a complete record of all of your transactions.
You can also use this information to refine a realistic budget that works for you.
Step # 5: Make a new budget for each month or paycheck
Creating a new budget every month is an important part of zero based budgeting. This helps ensure that you are always aware of your current financial situation and can make changes as needed.
It is best to create your budget before the month begins, so you have time to adjust as necessary.
A zero-based budget is a great way to get your finances in order. It can be tough to stick to, but it’s worth it because it forces you to pay attention and make adjustments.
This is why the budget by paycheck method has gained popularity in conjunction with the zero based budgeting system.
Tips to Make Your Zero Based Budget Successful
It can be difficult to stick to a budget, but there are ways to make it happen.
Here are a few quick budgeting tips:
Make a list of your necessary expenses and stick to it.
Cut back on unnecessary spending.
Live within your means.
Find cheaper alternatives to your regular expenses.
In addition, here is what you need to make sure your money is spent where you want and not following the status quo.
You need to learn which payment type is best if you are trying to stick to a budget.
Know your End Goal
What do you want your money to do for you?
Too many times, we let life dictate how and where we want to spend money. Then, we are always chasing from behind.
To truly make your money work for you, decide on three core areas you want to spend your money. Then, make your budget reflect those values.
Understand the Flexibility of Zero Based Budget
Zero-based budgeting is a great way to stay flexible with your finances. There are no set rules to follow, and you can adapt as your life changes. The goal is to always be mindful of your spending and make sure that every penny counts.
Unexpected expenses are going to pop up from time to time, so it’s important to have some flexibility in your budget. That way, you can handle these unexpected costs without breaking the bank.
Put Most Important Expenses at the Top
When creating a zero based budget, it is important to start with the most important items and work your way down.
This ensures that you do not miss any essential expenses and that you are able to stick to your budget. It is also important to be realistic about what you can afford and to make sure that you are flexible in case of unexpected expenses.
Put in a Cushion or a Buffer
When starting a zero based budget, it is important to be realistic about what you can and cannot do.
Some people find it helpful to have a cushion in case of unexpected expenses, while others prefer to keep their spending as low as possible. It is important to find what works best for you and stick to it.
Additionally, remember that your goal should be to live within your means, not spend less than you make.
Look Ahead
When creating or following a zero based budget, it is important to be mindful of any upcoming events that may require more money.
This includes things like holidays, birthdays, and special occasions. If you know these events are coming up, you can plan for them in your budget and make sure you have the funds available.
Check out ideas for bill calendar strategies.
Sinking Funds
One of the most important things to remember is that you need to plan for big-ticket items and one-off events. This can be done using sinking funds.
Sinking funds are special savings accounts that are specifically designated for planned expenses.
You put money into the account over time until you have saved enough to cover the expense. This allows you to avoid breaking your budget when something unexpected comes up.
Learn how to use sinking funds.
zero based budgeting Example
Zero based budgeting is a way of organizing your finances in which you spend money only on things that have an actual impact on your financial situation.
This method can help you stay mindful of how much you are spending and where it is going.
It can also help you to make better decisions about what needs to be paid off, saved for, or invested in.
Here is a basic zero based budget example:
Can You Make a Zero-Based Budget With an Irregular Income?
Zero-based budgeting is an excellent way to manage your finances when you have an irregular income.
Regardless of how much money you earn each month, you can create a budget that will help you save money and make the most of your income. With a zero-based budget, every penny has a purpose and you can be sure that you are making the most of your resources.
It is also helpful to “age” your money by at least one month. That means your April income will be paying your May bills.
The Best Zero Based Budget Templates and Apps
Zero-based budgeting is a methodology of budgeting that starts with the assumption that how much one has at the beginning of each period should be used to purchase only those things needed. This is different from the traditional budgeting practice of starting with how much one has at the end of the last period and using that as a basis for what needs to happen during the next period.
There are a number of zero-based budget templates and apps that are available on the internet. The following seven are some of the most popular:
1. Tiller Money
Tiller Money is a budgeting app that allows you to create a zero-based budget. This means that every dollar in your budget has a specific purpose.
It has a “Foundation Template” feature that allows expenses to be budgeted against goals in order to make sure the amount of money actually spent is at a minimum.
This allows you to create a zero based budget quickly and easily.
You can try Tiller Money for free for 30 days, and the annual cost is $79.
2. Simplifi by Quicken
Simplifi by Quicken is a budgeting app that takes a different approach to budgeting.
Rather than starting with your current income and expenses and trying to adjust them, Simplifi starts with your savings goals and works backwards. This can be helpful for those who have trouble sticking to a budget because it allows you to focus on your financial dreams rather than your current spending habits.
You can set up your own categories, limits, watchlist, and spending plan.
It offers all of the features of Quicken with the added convenience of being able to access it on your phone or tablet.
Another thing that makes Simplifi stand out is that it is ad-free (unlike Mint), which can be helpful if you are trying to stay focused while budgeting.
Enjoy your first 30 days free and then pay as low as $3.99 per month.
3. Qube Money
Qube is an app that helps you create intentional, smart spending habits.
With Qube, you have the freedom to manage your money with real purpose. Qube helps you stay on top of your finances by giving you a clear picture of where your money is going and how much you have leftover each month.
Qube Money is a budgeting tool that helps you manage your money by automatically ledger transactions and allowing you to divvy up your money into qubes. This makes it easy for you to see how much money you have in each category and click to spend.
Get started with Basic for free with 10 qubes. Upgrade to Premium for $6.50 per month.
4. YNAB
You Need a Budget (YNAB) is a popular method of budgeting that requires you to spend money from the previous month’s income. They stress “aging your money” to break the living paycheck to paycheck method.
Each month you start from scratch each month, accounting for all of your income and expenses.
YNAB is best known for its awesome support community and training.
It offers a free trial for 34 days, after which it costs $84 per year.
Best Zero-Based Budget Template For Debt Payoff
It is useful to make a debt payoff plan that starts from the zero level. This will allow you to track your progress and adjust your budget as necessary.
Using Tally is a great tool when paying off debt.
Time for you to Start with the 0 Budgeting Method
A zero based budget is a financial planning strategy where every dollar in the budget is assigned a purpose. This differs from traditional budgeting where the focus is on last month’s spending and last year’s income.
With a zero based budget, you start fresh each month and assign every dollar a job or responsibility. This way, you can ensure that your money is being put to its best use.
When you use a zero based budget template, you are able to track every dollar that you spend.
This comprehensive view gives you a clear idea of where your money is going and where you can cut back on spending. Additionally, using a zero based budget template makes it easy to see if there have been any areas where you could save money.
The best part is you are comfortable knowing that all of your living expenses are accounted for.
This means that you can spend money without worrying about jeopardizing your financial health.
Know someone else that needs this, too? Then, please share!!
Inside: Trade and Travel is a legitimate investing course to learn how to make money in the stock market. See my personal view as a student.
I have been in the personal finance industry for a long time and have watched gurus with CFP and many more designations struggle to make money consistently in the stock market.
There are many concepts on how to trade the stock market.
Teri’s IWT system works.
It’s legit.
I’m a part of her investing course. I have seen the results. $1000 a day club in my LIVE account. Yes.
So, you get to read my Invest with Teri review first.
Teri is able to break down investing into the stock market like no one else I have seen.
You can read a book or blog and find many different concepts that work for them. Then, walk away with your head spinning and quit on the idea of trading and lose a bunch of money along the way. This is why most people leave it to professionals (which is a mistake with that pesky 1% asset management fee).
The Invest with Teri Method is a 7 Step Process that simplifies how to invest in the stock market.
She goes into detail on each of the seven steps to make sure you pick the right companies, limit your risk, know when to buy, and when to take profit.
Plus you have access to a private Facebook group and countless hours of coaching calls to really understand the IWT method.
This is how I am choosing to finance the life I want.
Okay, now that we got that out of the way… let’s dig into the details of the Invest with Teri review and learn how to travel and travel.
This is what you want? Right?
Make more money and have more time freedom.
Enough sitting on the sidelines… read this IWT review and then sign up today.
Honestly, if you have any money in the stock market, you need to take this course to understand the fundamentals.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
What Are Online Stock Trading Classes?
If you’re interested in taking stock trading classes, there are a few things to consider before jumping into the world of investing. Stock trading is an investment that can be profitable if done correctly and is a way to grow your money.
Stock trading courses are a great way for newcomers to learn about the stock market. Also, courses are fantastic for those who want to refine their investing skills or maybe stop the bleed of money from trying on their own.
The Invest with Teri Ijeoma course provides a more structured learning path and can help you avoid some of the common mistakes made by novice traders.
In order to get the most out of a stock trading course, it is important to find one that matches your individual needs and goals. Plus one that can offer support and guidance because learning to trade is a learning curve.
Who Should Take Stock Trading Classes?
It is possible to learn the ins and outs of stock trading on your own without taking any classes.
However, for those who want a more structured learning experience, or for those who want to have access to a community of traders, stock trading classes can be a great option.
Taking stock trading classes can be a great idea for people who are interested in getting into the industry. The stock market is one of the most popular industries to get involved with, so it is likely that you’ll want to pursue a side hustle that may lead to a career in this field.
There are many different types of stock trading classes available, so it is important to do your research and find the one that best suits your needs.
Even if you are an index fund investor doing it on your own, this investing class is great knowledge to understand how the market works beyond “I hope it keeps going up.”
Must Read: How To Invest In Stocks For Beginners: Investing Made Easy
Trade and Travel 2.0
Right now, Teri and the rest of her coaches are doing a MAJOR overhaul on the signature course.
Her design team is currently working really hard to create an updated look and feel so you can experience Trade and Travel even better than before.
However, there will be changes – some we know about and some we don’t.
What we Know Today:
A significant Price increase happened (like double to $10k)
Shorting and gaps will be included in the main Trade and Travel course.
Limited time support on coaching calls. (However, a subscription model for additional coaching will be available.)
What You’ll Learn in the Trade and Travel 1.0 Course
The Trade and Travel course is an online course that will teach you everything you need to know about the world of trading, and more!
First of all, Invest with Teri along with Trade and Travel are used interchangeably. They are both the same AMAZING course that will teach you to make money in the stock market.
You will learn the Teri Ijeoma trading strategy.
The Invest with Teri 1.0 course is divided into two sections:
Travel & Travel – This is the basic course to understand fundamentals and to learn how to make money as the stock market goes up.
VIP Program – This is an advanced course that covers shorting, gaps, and options.
The great news… you can start with the basic Trade & Travel program and upgrade to VIP at a later date.
If any of this sounds foreign to you, Teri is one of the best teachers I have ever met. She breaks break down investing in the stock market like no one else I have seen. She is able to take difficult concepts and make them easy.
Simply put, Teri offers a course that teaches you everything you need to know about investing.
Later, in this Invest with Teri review, I will detail the difference between the two courses and what you will learn.
Teri’s Purpose of Trade and Travel – Financial Independence
The purpose of the course is to help students learn how to generate wealth.
Students can use the extra income earned from the course to supplement their income, pay off debt, or save so they can solidify their financial independence.
There is no doubt that in order to achieve financial independence, you need to invest in yourself. This means learning new skills, working on your mindset, and making smart choices with your money.
With a positive attitude and a determined spirit, anything is possible!
Want to Learn More about Investing?
How do you trade with Teri?
The privilege to have one-on-one coaching with Teri herself is very rare. However, she is known to offer group mastermind sessions for her VIP students.
So, in order to trade with Teri, you must enroll in the full $5000 course and wait for the next opportunity to trade with her.
Trade And Travel Program
The Trade and Travel program is the fundamental part of the investing course. This section will teach you the basics of the stock market and how to make money on the way up.
Teri’s trading strategies focus on risk management and she has seen many of her students achieve success with trading.
To be upfront in this Trade and Travel review, you will learn:
Learn how to pick stocks
Understand how the stock market works and how you can make money off it
Recognize why risk management is the most important aspect of trading
Understanding how to read charts
Learn the best places to buy and sell a stock could be
Be able to tell the story of the candles
Understand if your stock trade has a strong likelihood of being profitable
Determine how many stocks to buy based on your risk tolerance
How to place a trade at your brokerage
Manage your trade and exit based on your trading plan
That is a highlight of what you will learn in the basic Trade and Travel program.
Trade And Travel VIP Investor Program
The VIP program is the advanced piece of the course once you learn the fundamentals of the Trade and Travel program.
For those looking to upgrade to the VIP program, you will learn:
Make money when the market goes down.
How does shorting the stock work
When to look for gaps and what they mean
What is globex?
Options! This is everyone’s favorite part of the course!
Understand how to make money with option contracts
Risk management with options
Plus so much more!
Plus you can rewatch all of the curriculum and coaching calls over and over until you get it. That aha moment!
Both Travel & Travel and VIP offer live zoom training each week. Plus there is a vault of recording coaching calls to review.
Supportive Trading Community
Teri has built a supportive trading community of fellow students who have gone through the course.
Each trade cuzzin offers encouragement, advice, moral support, and feedback to each other.
This supportive community can help people overcome their anxiety and doubts when trading and investing.
You can find this supportive community on Facebook groups, Telegram groups, Clubhouse clubs, local meetups in your city, and people have connected to create a mastermind group. Honestly, there are plenty of people available to make sure you are successful on your journey.
Don’t forget… There are weekly live calls and chart parties.
This is how many people have turned 10k into 100k.
My Personal Trade and Travel Reviews
This is one of the best educations I have received.
My biggest regret is that I did not enroll in the course sooner (same as the time before I upgraded to VIP).
In all honesty, this course is a better education than spending hundreds of thousands on a college degree.
Personally, I meet Teri during FINCON, a huge conference for personal finance content creators and brands.
I loved how Teri spoke during her presentation and quickly reached out to learn more about her Invest with Teri course. Also, I was intrigued by the $1000 in a day club.
As always, I investigate every single company or platform that I recommend.
Obviously, this course has an eye-shocking price tag when you first see it. However, once you start earning your money back, you quickly realize how undervalued her course is.
As I always tell my readers… if I wouldn’t put my time, energy, or money on the line, then I am not going to tell you about it. I will only recommend products, services, and courses only that I truly know that work.
My View as a Trade and Travel Student
After a few months of debate if I could afford to spend the money on this investment course…
I became a Trade and Travel student in February 2021.
As outlined above, the course is jam-packed with information. I thought with my background in personal finance I would have a leg up over the others. However, I quickly learned that I need to view the stock market from Teri’s point of view and put blinders on to others’ opinions or styles of trading.
There are a ton of ways to make money in the stock market. This is one of them.
You can google and probably find many more investment courses and rabbit holes to follow. Investing is one of the most popular Reddit Personal finance topics. People want to learn to trade and most are looking to be fed information.
You have heard that saying, “teach a man to fish and he will never go hungry.”
The same holds true for completing this course, “Teach a trader to make money and you will be more profitable than your dreams.”
The best thing about life is you get to decide what you want to do, spend your time, and budget your money. Investing in this course is a big pill to swallow and I get it. However, I would not be so adamant about telling others about this course since I see a path for people to stop the stress with money.
I am successful with trading. Now, it is your turn to become successful.
This is by far the best investing course I have ever seen. 1000% recommended by me personally.
$1,000 In A Day Club
Here is proof. I made the $1k club in my live account and $10K in SIM.
I am a part of the trading community.
What exactly is the $1000 in a day club?
This exclusive club is for those traders who have made over $1k in a day.
Many IWT traders have received this plaque and part of this $1000 in a day club.
If you want to invest money and make $1000 a day this is how to start.
This is how I am choosing to finance the life I want.
Get one step closer to reaching your dreams and financing your life!
How Long Does It Take to Learn to Trade Stocks?
The time it takes to learn how to trade stocks depends on your personal learning style.
It typically takes 2 to 3 years to learn how to trade stocks.
By taking an in-depth course, you can shorten your learning curve.
Teri’s Approach to Learning to Trade Stocks
More importantly, the results you see trading stocks will depend on the effort put in to learn the curriculum, manage the trade, minimize your risk, and prepare your mindset.
Teri’s goal for her student is to earn 1% of our capital consistently.
This is not a get-rich-quick scheme. You have to put in the hard work to reap the benefits (aka profit).
For example, some people learn better by reading and others prefer watching videos. Some people may find that they learn best by following an instructor in a live trading room.
Who is Teri Ijeoma?
How many years of trading experience does Teri have?
Teri Ijeoma has over 10 years of trading experience.
Once she left her job as an elementary school assistant principal, she took off to travel the world. Those around her started asking questions and she taught her first group of students in Thailand.
Teri enjoys enlightening people on investing strategies and is passionate about building wealth.
Combining her trading experience with her teacher background, Teri is a talented educator in the investing world.
Teri has been featured on Forbes, NBC, CBS, ABC, Black Enterprise, Yahoo Finance, Business Insider, Fox News, Comcast – just to name a few!
She thrives by teaching others how to invest, so they can afford the life of their dreams.
Teri has made significant amounts of money through trading and is motivated by helping others achieve success.
Check out Teri discussing her $1,000,000 in a day profit. Yes, one million dollars in a day!
I’m scared to lose my real money trading. Can I still take the course?
Don’t want to risk your money, but are curious?
You can practice in a simulated account before you move to real money. Then, you can make mistakes. Learn from those mistakes. Understand how the stock market moves. Make wins.
The bottom line you can make real money in the stock market. You just have to be armed with knowledge and a trading system that works.
That is why most people lose money in the stock market! They don’t understand how the stock market works. They have poor risk management strategies and tend to select the wrong companies to trade with.
In the Trade and Travel course, you will walk away with so much investment knowledge and support from other people in the course to be successful.
Afraid to trade individual stocks? Teri’s process works with ETFs too!
Is Invest with Teri Reviews Reddit? Is this a scam?
As with any popular r/personalfinance thread, this is one that comes up often…is Invest with Teri legit?
There is a lot of mixed information on the web when it comes to Invest with Teri.
Some people have had great experiences and made a lot of money, while others have had negative experiences and lost money.
Since I have been forthcoming that I am a student of her course, I would recommend active trading as a way to supplement your income.
However, you must be willing to put in the time and effort to see the results.
And honestly, that is where most people give up because you must put in the effort.
At Invest With Teri, they believe anyone can learn how to invest and generate income through investment. They offer a variety of courses on how to invest, as well as a community of support to help you get started.
Their program has helped people from all backgrounds achieve their financial goals.
Did this Trade and Travel Review Convince You?
Teri Ijeoma is a millionaire trader and coach who shares her tips and tricks for success.
Trading is a skill that can be learned, and with the right education, anyone can do it successfully.
Trading is not a get-rich-quick scheme – it takes time and effort to learn.
Don’t waste your time or money on being a self-taught trader. Take a course from an expert.
I am part of this trading community and so excited to be a trade cuz!
Start building another income stream for yourself.
Invest with Teri Ijeoma teaches you how to make a lot more money than you currently are. Very possibly, trading can help you replace your current income or even exceed it
To be successful, you need to invest in this investing course, develop a solid trading plan and stick to it.
Get one step closer to reaching your dreams and financing your life!
Be the first to know when Teri releases a coupon code for her Invest with Teri course.
Do you have an Invest with Teri Coupon?
It is VERY rare that Teri puts out a coupon code.
However, if she does, I always notify my email list who have been on the fence about enrolling.
Typically, these coupon codes are valid for a limited time only.
Trade and Travel FAQs
Obviously, you are doing your due diligence before enrolling in this course, which I completely understand. I did too! I spent a lot of time researching prior to enrolling in this course.
Here are answers to the most asked questions about Invest with Teri, Trade and Travel, VIP program, as well as Teri Ijeoma.
Is the Trade and Travel course for new investors?
Yes, the Trade and Travel course is for both new investors and experienced investors.
Honestly, you are more likely to lose money in the stock market by trading on your own rather than spending money on the best investing course available.
The course is designed for everyone, regardless of experience level.
There are different courses available within the program for more advanced students (like shorting and options).
How long does the program take to complete?
You can complete the course within a weekend if you binged watch everything.
However, it takes 8 weeks to thoroughly go through the curriculum.
The main Trade and Travel course is broken down into sections, and modules include videos, tutorials, pdf worksheets, quizzes, and more.
The course instructor, Teri Ijeoma, estimates that it will take 8 weeks to complete the online course material before you begin trading.
In addition, there are plenty of coaching calls, which are filled with gems of information that you can watch.
This investing course is much like obtaining a college degree. The more you study, the better results you will have.
What will I learn in Invest with Teri course?
You will learn how to trade stocks and options based on her Invest with Teri method.
This is a solid, effective investing strategy.
Learning how to effectively trade stocks and make 1% consistently is the goal. This is higher than the market returns on any given day.
How much does Teri ijeoma course cost?
The cost of the Trade and Travel 2.0 course is $10000.
In addition, there is a payment plan available that allows you to pay in installments which is a great option without interest or hidden fees.
Honestly, this investing course is undervalued given the amount of knowledge you will gain.
Is there a payment plan?
Yes, there is a payment plan.
This is a great way to invest in the program with an affordable payment plan based on what you can pay today.
Right now, you can start the course with Payment Plans as LOW as $208/Month.
Can I purchase the Trade and Travel course and upgrade to the VIP program later?
Yes, you can always upgrade to VIP and pay the $2,500 difference. This is something you can do at any time.
I purchased the course to learn the basics and when I made money to pay for the VIP course I upgraded. Many students have done the same.
My gem of advice… eventually, you need to upgrade to VIP to fully understand the chart analysis as well as make money on the way down.
How much money do I need to start trading?
Many students start with $500.
This question is very difficult to answer because it depends on your personal finance situation and the type of trading you want to do.
The best advice is to start small and grow your account.
Trading stocks and options come with risk as such you must recognize that it is possible to lose all of your trading money.
Personally, I recommend starting with the amount you are comfortable losing. For me, I started with $3000.
Again, you do not need a lot of money to start trading. Check out this interview with Chris Calvin (aka Trade with Coach). He started with $500 and quickly grew it to 5 figures!
What trading platform does Teri Ijeoma use?
In her Trade and Travel course, she reveals which brokerages she has used in the past.
Right now, she is known to use Tradestation.
Recently, in her 5 Day Take the Trade Live Challenge, she set up a brokerage account with TD Ameritrade.
Do I have to attend coaching calls live?
You don’t have to attend coaching calls live. Also, all of the live trainings are recorded except the weekly Trade and Travel Q&A.
By attending a live coaching call, you have the opportunity to ask questions and get help from the instructor.
You can access the class recordings at your convenience once the coaching call is uploaded.
Personally, I attend the VIP coaching calls live to get the best out of the experience.
Remember, if you miss a class, you can always watch the recording later. You will have lifetime access to the coaching call recordings.
How long do you have access to the curriculum?
LIFETIME ACCESS!
You will have lifetime access to the curriculum.
That is pretty amazing to have these resources available forever.
You can review the curriculum as many times as you like.
Personally, I have gone back and reviewed many modules and coaching calls again (and again).
Is there a Facebook group? How long do you have access?
In fact, there are two Facebook groups for students that are run by the IWT coaching staff.
One Facebook group focuses on the general IWT method and the other is specific to VIP strategies.
In addition, there is a Trade and Travel sponsored Telegram group.
These Facebook groups are a great way to connect with other students and to learn from each other.
You have access to the group for as long as you are enrolled in the course.
What’s Teri’s Instagram handle?
First of all, there are so many fake accounts for Teri Ijeoma, Invest with Teri and the Trade and Travel Course.
Teri’s real account is @teriijeoma
Beware of imposters accounts and scams.
Can I share my course log-in information with others?
No, this is not allowed.
Each person should purchase the course separately.
The only exception is you can share with your spouse.
What is the refund policy?
According to their policy, refunds are not available for any of their courses. (You can read that here).
However, they do not want unhappy students or I don’t want unhappy trading cuz.
So, if you need additional assistance, reach out to their support team at [email protected] and one of the fabulous coaches will assist you.
Honestly, this makes 100% sense as a student. There is so much knowledge and information in the course that it is not surprising.
If you truly put in the time and effort, you will see success. You have to put in the work though.
Just a reminder… trading is a risky investment if you don’t know what you are doing. You can lose money in the stock market.
Know someone else that needs this, too? Then, please share!!
Inside: Learn how much your 80k salary is hourly. Plus find tips to make more money and live the lifestyle you want.
Retirement can be a scary word to those who are not wealthy or afraid of having too much time on their hands.
People in the workforce often don’t know what they will do when their retirement comes around, but it doesn’t have to be that way after all.
For most retirees, there are many reasons they want to work after retirement. And that is 100% okay!
Low stress jobs after retirement make for great part-time careers while still providing enough flexibility to enjoy your personal life. Plus a little extra money is always helpful!
While there is no one “right” answer on which job for you, we compiled a list of 30 great options to consider. All of these jobs offer relatively low stress levels and plenty of opportunities for relaxation and enjoyment.
But before you jump on the first one that comes along, you want to consider which will work best and help ease your transition into the world of retirement.
When you retire, you want to find a job that is low stress and enjoyable. That’s why finding a good retirement job is so important!
The benefits of having a low stress job after retirement
After years of hard work, retirement is a time to relax and enjoy life.
However, for some retirees, working part-time or as a side job can provide additional earnings and a sense of purpose. The following jobs are perfect for seniors over 55, or those post-retirement. They have lower stress levels than the average job and offer many opportunities for growth.
Many retirees below starting a second career after retirement would be difficult and are looking for a job that has fewer strings attached. This may be due to the fact that many retirees feel they have reached the pinnacle of their careers and want more time freedom.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Fortunately, there are many available jobs with increasing demand and most even have lower stress levels than average.
Retirement is a good time to consider additional earnings. This can provide a stream of money for people who want to enjoy life longer and need an additional income. In addition, working can help retirees stay mentally and physically healthy.
Jobs to Do after Retirement
The list is composed of jobs that are perfect for seniors over 55, or even post-retirement. They have lower stress levels than the average job and offer many opportunities for growth.
Some retirees prefer to work part time or as a side job; others want to find a full-time position that will keep them busy and engaged in their community. Whatever your preference, know that there are plenty of great options out there!
Retiring means starting a new life, so it is important to consider this change as the beginning of a new life and not the end of an old one.
So go ahead and take the plunge into retirement! It’s a new beginning full of endless possibilities.
There are plenty of good jobs for retirees!
What are fun jobs after retirement?
There are many fun retirement jobs that pay a small fortune! And what your personality prefers!
Some people choose to continue working in the same field, but in a more relaxed or part-time capacity. Other people choose to use their retirement to try something new and exciting, such as starting their own business, traveling, or taking up a new hobby.
What can I do after retirement to make money?
Now that you’re retired, you may be looking for ways to make some extra money. Luckily, there are plenty of options to make money in retirement available to you!
You could start a business, become a consultant, or tutor students. In addition, you could also look into working from home opportunities or start a blog.
Maybe you want one of the best part time jobs in retirement.
Whatever you choose, make sure you do your research and find something you enjoy so you don’t get bored!
Tips to Making Money in Retirement
The best fun jobs after retirement include working at a theme park, house sitting permanently on a beach or something crazy you never dreamed yourself to do!
One great way to make some money is by selling your skills and experience. For example, interior decorating is a low-stress field that often requires past experience. Alternatively, you could become a real estate agent. Both of these opportunities allow you to use the skills and knowledge you’ve acquired over the years.
Another great option for retirees is to take advantage of the growing gig economy. There are a host of jobs available through online platforms like Uber or Lyft that don’t require a lot of physical activity or travel time. Plus, they typically offer higher pay rates than traditional employment opportunities.
If you’re looking for something a little more relaxing, consider joining one of the many survey sites out there. These sites reward you with a small amount of money for each survey you complete. It may not be much, but it can add up over time!
Finally, if you’re looking for an easy way to make some money, consider something easy like greeting people. This is a great option because it’s so easy and doesn’t require any special skills or knowledge.
Which job is stress free and high paying?
There is no such job that is stress free and high paying. All jobs have their own unique stressors and rewards. It is important to find a job that is rewarding to you and that you find manageable levels of stress.
There are many jobs that are considered “stress free” after retirement.
For example, many seniors are now looking into jobs such as being a consultant or working in customer service. These positions offer a more relaxed work schedule and usually don’t require extensive training.
In addition, the amount of money one earns from a job is directly related to how much work one put into it. If you’re willing to put in the extra effort, you can make significantly more money than those who don’t.
Really Focused on less stress?
Many seniors are also looking for jobs that don’t involve stress or concern. Proofreading is one such position that meets these qualifications. The job requires native-level English proficiency and an excellent understanding of grammar to succeed. In order to be successful in this field, you have to proofread documents that contain no grammatical errors, punctuation mistakes, or syntactic flubs.
You need to find a job that feeds your soul and doesn’t seem like work.
Plus it is fun to tell others what do you do for a living.
Best low stress jobs after retirement
Some people want to use their retirement as a vehicle to start their side hustle and be more relaxed than they were during work hours. This is a great way to spend your retirement! Most cool retirement jobs require little-to-no experience, but some do.
At the end of the day, you must decide if you want to work for yourself and start your own company with a higher earning potential. Or work for someone else with less strings attached and lower pay.
In many cases, you might be stuck working because you didn’t save for retirement, so here are a few jobs that are perfect for seniors over 55 years old, or even after retirement:
1. Freelance writing
Freelance writing can be a good source of income when one has the skills and experience to do so. The best part? You get to set your own hours and take on as much or as little work as you want!
This may not sound like a low-stress job at first, but it’s actually an excellent low-stress job! Being your own boss offers incredible benefits. Best of all, you can do it in a completely stress-free environment by deciding in advance exactly how many hours you want to work.
In fact, my friend over at More Time to Travel does freelance writing for Forbes.
Freelance writing is a great way to make money from home. Be sure to have a strong portfolio and excellent writing skills to land quality freelance writing jobs. Here is a great freelance writing course.
2. Tour guide
This is perfect for someone who loves people and to discuss their worldly knowledge.
A tour guide is someone who accompanies tourists and provides information about the areas they are visiting. They are usually seniors because no special certifications or degrees are required. However, it can be a fun job for anyone who loves meeting people and has a lot of knowledge about their area. Some tour guide jobs offer tips and the opportunity to travel.
A good tour guide will have a deep knowledge of the areas they are touring and will be able to answer any questions the tourists may have. Plus cash tips are always a perk!
3. House Sitter
You can house sit for someone you know, or use a site like Mind My House to find paying gigs. Rates vary depending on the city, but typically you can expect to earn $25-50/day as a house sitter.
It allows you to live in new places without having to commit to long-term leases, and it gives you an opportunity to meet new people and explore new neighborhoods. Plus, it’s a great way to make some extra money on the side as well as lowering your monthly expenses!
If this is something you are seriously considering, then check out this book to learn how to housesit from an expert.
4. Librarian
Librarians are responsible for organizing and managing library collections, helping patrons find information and materials, and providing instruction on how to use library resources. They typically work regular hours in a library setting, and their work is relatively active.
They also need excellent research skills and the ability to stay up-to-date on new technologies.
However, job prospects are good to work in this quiet environment.
5. Customer Service Representative
Jobs in customer service usually don’t require a lot of experience or special training, so they can be a great way to ease into retirement. And since most customer service positions are in the service industry, you’ll likely get to meet new people and help them solve problems every day.
They may work in call centers, retail stores, banks, or insurance companies. In some cases, they may also work remotely from their homes. Customer service reps typically need strong communication and problem-solving skills, as well as the ability to stay calm under pressure.
6. Craft seller
Many people don’t have time for their crafts like they wanted when working full-time and raising kids. So, retirement is a perfect time to become an artisans who make and sell their own products.
You can set your own hours, work from home and sell whatever you like. There are many online marketplaces that cater to craft sellers, so you can find a platform that fits your style and interests. In addition, you can attend craft fairs and other events to sell their work in person.
Make sure to price your items competitively and take the time to create an attractive product listing. Plus ship quickly and provide excellent customer service to keep buyers coming back for more!
7. Crossing Guard
It only requires a few hours of work per day, and the pay is decent around $15 an hour.
The job does not require any special skills or training, so it is an ideal way to spend your golden years. Plus you can keep youthful by staying around all of the school-aged children.
8. Blogging
This is a form of expression for most retirees or those thinking about retiring.
It can be a low stress job after retirement, as you can do it from the comfort of your own home and set your own schedule. You don’t need any special qualifications or training to start blogging – all you need is a computer, an internet connection, and something to write about.
Blogging is a great way to create fresh, new content on a regular basis for your website. In fact, my friend over at Tuppennys Fireplace uses blogging to drive extra money to their retirement budget each month.
You can sell advertising space on your blog, use affiliate marketing to promote products and services, or even launch your own product or service. The sky’s the limit when it comes to making money from blogging – so if you have something interesting to say, go for it!
9. Elder Care Services
Services can range from in-home help to full-time nursing care, and each has its own benefits and drawbacks.
While this may seem odd as a low stress job in retirement, it is a good reminder that you are still youthful in others’ eyes.
These may be simple jobs such as picking up groceries, light cleaning, cooking meals, or companionship during the day. Given the cost of nursing homes and certified nursing assistance, this is an affordable option for families who want extra eyes on their loved ones.
10. Private Island Caretaker
Okay, this is the one I want!
If you are reading this and need a caretaker, I am happy to be the right person for your estate.
A lot of caretaker jobs are in private areas, such as private islands, ski resorts, large estates, and other remote or private areas. This is often because employers need someone they can trust to be on-site full time and take care of things.1) Private Island Caretaker
Caretaker jobs are a great way for retirees to stay engaged and active in their golden years. They can provide a sense of purpose and routine, as well as an opportunity to explore new places and meet new people.
11. Docent or Usher
One low-stress job that retirees can consider is becoming an usher at their local theater or sporting area. This job does not require much training and typically pays minimum wage, but it can be a great way to meet people and see new shows and watch sports.
A docent is someone who has expert knowledge about a certain subject and can teach people about it through guided tours and lectures. They are often found in museums, art galleries, and other places where people can learn about the arts.
For many retirees, these are the perfect jobs to get paid for enjoying their hobbies and events they didn’t have time to see when working full-time.
12. Work at Disney
Jobs at Disney parks can be both fun and challenging, with plenty of opportunities to make new friends and help guests have a great time. You’ll need to be able to work hard and stay cheerful under pressure, but the rewards are many.
If you’re interested in working at one of the happiest places on earth, visit the Walt Disney Company website to learn more about current openings and how to apply.
Perfect for the retiree to stay youthful!
13. Invest in Various Intiatvies through Crowdfunding
When it comes to investments, there are many options to choose from that can fit any personality type.
Crowdfunding was created to help more people invest in various businesses by pooling resources together. This makes it more affordable and less risky for everyone involved.
For many retirees, this is a great way to impact start-up businesses and maybe even have a great ROI on their money.
14. Tutoring
Tutoring can help students learn in a one-on-one environment, and help them to focus on the material. Tutoring can also help build a student’s confidence, and help them to ask questions they may be too embarrassed to ask in a classroom setting.
It’s a great way to help students who are struggling and give them the support they need to succeed. You also get the satisfaction of knowing that you’re helping young people achieve their goals. Tutoring can be done in person or online, so it’s a flexible job that you can fit around your schedule.
In today’s society, there are plenty of opportunities to help students achieve faster with tutoring. Most tutors are paid at least $30 an hour.
15. Virtual assistant
There are many low stress jobs that can be found online and Virtual Assistants are one of those jobs.
A virtual assistant is a professional who provides administrative, technical, or creative assistance to clients from a remote location. Often, virtual assistants work for multiple clients simultaneously, providing a wide range of services including social media management, email management, bookkeeping, and more.
They provide a service to their client through the internet and This is a great way for someone with retirement to start making money fast because most VAs make between $35 and $50 an hour.
Take free training for becoming a virtual assistant!
16. Personal shopper
A personal shopper may work in a store, helping customers find what they need, or they may work remotely for a customer who gives them a list of items to purchase. Either way, personal shoppers usually charge by the hour.
It also pays well, especially if you work for a high-end retailer. And since you’re working with customers one-on-one, this is a great job for someone who enjoys helping others. Perfect for a retiree to get out and about.
17. Personal organizer
They may work with individuals or groups, in both business and personal settings. Personal organizers usually have excellent time management skills, as well as a thorough understanding of the principles of organization.
This type of position is great to keep you moving as well as help others.
18. Animal shelter worker
They may feed, groom, and exercise the animals, as well as administer medication and vaccinations. They also clean cages and kennels, and may handle adoptions. The work can be physically demanding, but it is also very rewarding to help homeless animals find new homes.
For someone who loves animals, this is a perfect opportunity to make money and help neglected animals.
19. Book store assistant
The work is relatively easy, and there are usually no major deadlines to worry about. Plus, bookstores are typically quiet and calming environments, which can be a nice break from the hustle and bustle of everyday life.
If you’re looking for a relaxed job after retirement, this could be it!
20. Photographer
Some people take up photography as a hobby, some as an art form, and some as a profession. The beauty of photography is that it can be whatever you want it to be. There are so many different types of photography, based on your taste and choice you can choose which area to focus on first.
In addition, photography is a great low stress job after retirement!
It can be done freelance to supplement your income or on a full-time basis. There are many opportunities for photographers, and the work is generally enjoyable.
21. Life coach
After retirement, there are many low stress jobs that a person can take on. One such option is becoming a life coach.
This job involves helping people work through their problems and achieve their goals.
By becoming a mentor for the next generation, you are able to have a lasting impact and legacy. This allows you to share your wisdom and knowledge while also helping someone else in their career path.
As a life coach, it’s important to be a good listener and have strong communication skills. Additionally, new graduates might be able to offer you fresh perspectives on life that you may not have considered before. It’s easy to become a mentor to coworkers or people in your field; all it takes is some time and effort.
22. Consultant
Consulting is a broad term used to describe an area of work. It encompasses a wide range of activities and can be done by anyone with the appropriate skills and experience.
Many retirees choose to focus on the areas they enjoyed at work and avoid stressful parts, becoming consultants in those fields.
Often, retirees are a great resource for companies looking for short-term or project-based work. If you let your network know that you are available for consulting opportunities, they may be more likely to reach out to you when they have a need. Additionally, the average consultant salary is between $50 and $150 per hour, depending on experience level.
23. Walmart Greeter
Greeters welcome customers, help them find what they need, and provide general information about the store. They may also monitor security cameras and alarms in the store. The position requires little training, and most Walmart greeters are given on-the-job training.
However, greeters must be able to handle stress well, as they are often the first point of contact for customers who are angry or upset. The position also requires being able to work weekends and holidays.
24. Dog walker
Dog walking is a great job for people who love dogs and want to make a difference in the lives of animals. It is also perfect for retirees who want to stay busy and have flexible hours. The work can be enjoyable and rewarding, and it is a low-stress profession.
Dog walkers are typically paid by how many dogs they are watching at any given time, rather than by the hour. There are specific websites where you can find work as a dog walker like Rover and the average pay is $14 an hour.
25. Pet sitter
A pet sitter is a professional who is hired to take care of pets while their owners are away. Pet sitters typically visit the home of the pet owner to feed, water, and exercise the pet. They may also provide additional services such as grooming and medication administration.
For example, many retirees enjoy pet sitting because it allows them to form close relationships with animals while also providing a service to their community.
Find plenty of pet sitting gigs on Rover.
26. Camp Host
After retirement, many people are looking for a low stress job that will allow them to travel, get outside, and see new places. Campground jobs are perfect for this because you can work during the day and explore at night.
Camp hosts are people who work at a campground to provide information and assistance to guests.
Campsites allow for some flexibility in terms of location – you may be able to choose the state or national park you’d like to work in, as well as the dates of your stay. Additionally, many camp hosts have a good deal of control over their schedules, which can be a perk.
They usually work for minimum wage, but can often receive tips from guests.
27. Adjunct Professor
Many retirees take on part-time work as adjunct professors. The position offers a high level of flexibility, good pay, and opportunities for professional development. In addition, adjunct professors often have the opportunity to work with students from diverse backgrounds and help them grow academically.
This can be a great way to share your knowledge and expertise with the next generation of students. Contact your local college and see if they have any openings. Adjunct professors typically earn around $3,000 per class taught.
28. Author
Becoming an author can be a great way to enjoy your retirement years while still earning some extra money on the side. The job doesn’t involve a lot of pressure, and you get to set your own deadlines.
There are a few different ways to get your book published. One option is to work with an agent. However, this may not always be possible, especially if you are writing a non-fiction book. Another option is to self-publish your book. This can be a great way to get your book out there without having to go through a publishing house.
You will finally have time to tell your story from your perspective.
29. Focus group participant
Focus groups are gatherings of people who are brought together to discuss a certain topic. The participants can range from 6 to 12 people, and they are typically held in local hotels or conference centers. During the focus group, the participants will discuss upcoming products, services, trends, and issues.
Focus group participants are typically reimbursed for their time and participation in the discussion. This can be done in a variety of ways but is usually either through cash or gift cards.
30. Furniture flipper
Furniture flipping is a great business for those who want to make some extra money with little stress and no formal education needed. You can do it from the comfort of your own home, as long as you have the necessary tools and space. With a bit of hard work, you could be on your way to making some serious cash.
Furniture flippers are people who buy furniture at a low price and resell it for a profit. They usually start as furniture buyers who love hunting for deals at garage sales or estate auctions. This is a low-stress job that’s also profitable.
For many retirees, it may have been a hobby turned profitable.
31. Delivery driver
Delivery driver is a great job for retirees because it keeps them active and socially engaged. It can be difficult to sit at home all day, so this job is perfect for those who want to be out in the world meeting new people.
Delivering food is a great way to make some extra money in your spare time. It’s a low-stress job because you’re only out of the car for deliveries, and many companies offer drivers up to $20 per hour.
I love Doordash because their sign-up process is so easy–you can be up and running in minutes!
32. Rideshare driver
Ridesharing is a great way for seniors to make some extra money on the side while still having plenty of time for themselves. It’s very flexible, so they can work as much or as little as they want, and it doesn’t require them to take too much time out of their day.
Both Uber and Lyft require relatively little startup capital, and retirees can often make money driving for these companies.
Just make sure you have the proper auto insurance for ridesharing.
33. Taxi Driver
Taxis are in high demand in most cities, so there is always work to be found. In addition, the hours are flexible, so drivers can work as much or as little as they want.
And since driving a taxi is not very demanding physically, it is a good job for those who are no longer able to do strenuous work.
Many people who move to a foreign country find being a taxi driver a highly rewarding and lucrative way to make money.
34. School Bus Driver
There is a severe shortage of school bus drivers across the country.
This may not be a low stress job to many, but you can have a long lasting impact on the students. Right now, our students need positive influences in their lives.
What does the job entail? You must have a valid commercial driver’s license (or find someone who will provide the training) and be clear from moving violations in the last 3 years. In addition, you must pass a background check to work with students.
Many districts are desperate for school bus drivers and providing a signing bonus.
35. Chat moderator
Chat moderators are responsible for monitoring chat rooms and helping to ensure that the conversation remains on topic and respectful. They also work to resolve any disputes that may arise.
They work in a variety of settings, from social media to online gaming platforms.
But for the most part, the job is relatively low-stress, thanks to the ability to take breaks and work flexible hours. Chat moderators also often have the opportunity to learn new technologies and hone their customer service skills.
36. Babysitter & Nanny
Babysitting and nannying is a great way to make some extra money in your spare time. It’s perfect for people who love kids and have a few hours in the afternoon after school lets out. You can help out your neighbors by babysitting their kids or finding families near you who are looking for a nanny.
They offer a lot of flexibility, they’re relatively low stress, and they often come with a set schedule so you know what you’re doing each week. Plus, you can usually work from home, which is a big perk if you want to stay active in your golden years.
The average babysitter in the United States earns a bit less than $15 per hour, but some earn at least $20 an hour. It is easy to find work.
37. Event Staff
Event planning can be a very stressful job, but it can also be a very rewarding one. After retirement, many people look for a flexible job that they can do mostly on the weekends and in the evening. Event staff is a great option for those people.
They may work in a variety of industries, including entertainment, hospitality, marketing or nonprofit organizations.
Event staff often have to wear many hats during an event, handling duties such as coordinating with vendors, setting up event spaces, managing attendees, and serving as liaisons between organizers and other staffers.
This may not be the situation for everyone, but great for someone who likes to be in the action.
38. Research Assistant
After retirement, many people feel lost and without a sense of purpose. A research assistant helps others find information and discover problems to solve. They work with teams or individuals to locate the best information possible and help them use it effectively.
Research assistants are in high demand because they help other people find information and solve problems. They work on a variety of tasks, such as conducting research, organizing data, and writing reports. Their skills are in high demand by companies, governments, and individuals who need help conducting research.
The job is relatively low stress and pays between $18 and $22 per hour. It requires patience, communication skills, and a range of computer skills.
39. Substitute Teacher
A substitute teacher is someone who fills in for a permanent teacher when they are absent. This can be for a variety of reasons, such as paid vacation, maternity leave, or sick leave. It is a great option for retirees because it is one of the most respected and low-stress jobs after retirement.
This is one of the best retirement jobs because you can substitute teach any position within a school.
Substitute teaching can be extremely rewarding, as you are able to help students in need and fill in for teachers who are absent. You may also have the opportunity to work with different age groups and learn new things.
It is now possible to earn around $20 per hour on average as a substitute teacher. In order to become a substitute teacher, you need to have a bachelor’s degree in any academic discipline from an accredited college or university. With the right qualifications, you can enjoy a great deal of flexibility and earning potential while working with children.
40. Airbnb Host
You can earn up to $1,000 per month by listing your home on the site.
It’s also a low-stress job since you don’t have to worry about meeting deadlines or dealing with customers. And, since you’re working from home, you can easily take care of any last-minute changes or emergencies.
If you’re interested in becoming an Airbnb host, check out this guide on how to get started.
41. Proofreading
In this career, you would be reading documents or manuscripts and looking for mistakes in grammar, spelling, punctuation, and syntax. You would then mark the errors with a correction symbol and provide a note to the author about the mistake. Proofreading can be done independently or as part of a team.
It is also important to be able to meet deadlines because many publishers require that manuscripts be returned within a certain timeframe.
42. Park Ranger
They enforce park rules, help visitors enjoy their visit, and provide information about the areas they patrol. Park rangers may also conduct educational programs, research projects, and archaeological surveys.
The growing popularity of outdoor recreational activities will lead to more demand for these workers.
Rangers must be able to hike long distances in difficult terrain, often carrying heavy equipment. They also may need to work extended hours, including weekends and holidays, during peak visitor seasons.
43. Voiceover artist
Voiceover artists are people who provide the voice for a character or commercial. They must be able to understand and interpret the script, and then deliver the lines in a way that sounds natural and believable.
Voiceover artists are in high demand for their unique ability to provide a voice for various multimedia productions that requires no formal training. This work can be done from anywhere with a good internet connection, making it an ideal job for retirees or those with flexible hours.
44. Real Estate Agent
The work is often exciting, and you can set your own hours. However, it can also be demanding and require long hours during busy times.
They must be knowledgeable about the current market conditions and have strong negotiating skills. In order to succeed in this career, you’ll need to be able to work well independently and be comfortable networking with potential clients.
You’ll also need to develop a strong marketing strategy to attract new clients.
45. Sports Coach
They may also instruct athletes on the rules and regulations of a sport. Sports coaches typically have a college degree in physical education, kinesiology, or a related field.
Coaches often work long hours during the season and must be able to handle criticism from players and parents. However, for those who love sports and enjoy working with people, sports coaching can be an enjoyable and low-stress job after retirement.
46. Artist
Being an artist is a great job to have after retirement because it doesn’t require a lot of stress and you’re free to create whatever you like. The only requirement for the job is that you have some artistic ability, which most people do.
Working as an artist can be perfect for people who are looking to have more flexibility with their hours and want to work on the go. There are many different types of artist jobs that one can find, and the best way to find out what’s available is to do some research online or talk to other artists in your area.
47. Translator
Translation is a great option for those who want to use their second or third language skills in a professional setting.
Many retirees find themselves with time on their hands after retirement and may enjoy doing something that they are good at and can be successful at. Speaking another language can lead to many opportunities, including working as a translator or in a translation services company, or becoming a consultant in foreign affairs.
Translators must be able to understand the source material fully and then accurately convert it into the target language.
48. Interior decorator
Interior decorators are in high demand because they have an eye for design and can help people make their homes look beautiful. This is a low-stress career choice that allows retirees to work anywhere, which is why it is becoming increasingly popular.
Interior decorators are often retirees who have a wealth of knowledge and experience in interior design. They must build up a portfolio of their clients’ homes before they can become an interior designer and be able to charge more for their services.
Interior decorating is a creative line of work that can earn great money, and it’s often a side hustle for people who want to make more money while still having free time. Satisfying customers is another perk of this career!
49. Handyman Services
If you’re looking for a way to make some money after retirement, and enjoy doing hands-on home repair projects, consider working as a handyman. Handyman work can be done on your own schedule, so it’s a great option if you want more flexibility in your life.
Handyman services are becoming more popular because they allow you to set your own rates and work on your own schedule.
This is beneficial for both the worker and the customer, as it allows the worker to charge a fair price for their services and customers can get work done on their time. Additionally, handymen have a variety of skills and can fix many problems around the home, which makes them a valuable asset.
50. Professional cuddler
Cuddling has become a popular service in recent years. Companies like Cuddle Comfort offer professional cuddlers that will come to your house and provide you with a compassionate, understanding listening ear as well as some quality cuddle time.
Some people make a living from professional cuddling. These cuddlers can earn approximately $40 per hour for just being themselves and giving bear hugs. This is a growing industry with many people finding comfort and satisfaction in human touch.
51. Mediator
To become a mediator, you need to have either legal training or a bachelor’s degree in mediation. This gives you the skills needed to mediate and resolve disputes between two or more parties. Mediators usually have a low-stress job because of their flexibility and freedom to work from anywhere.
Mediators come from a variety of professional backgrounds, but the majority have some form of legal background. More than half of certified mediators work as general mediators, charging $100 to $250 per hour.
52. Data entry specialist
A data entry specialist is somebody who enters data into a computer system. This can be a very low stress job, especially if you have basic computer skills and typing speed and accuracy. The work is relatively easy to find and usually does not require any specific qualifications.
Data entry specialists are paid a modest wage for their work, but the pay is reliable and predictable. The job is also relatively easy to find, making it a great option for people who are looking for additional work during retirement or in their spare time.
Being able to type quickly and accurately in order to be successful in this role.
53. Waiter/ Waitress
If you have a gift of gab and service, then this might be the perfect industry for you. Especially as a bar back!
The work hours are flexible, the tips are usually good, and you get to meet new people all the time. Plus this type of job is fun, as it’s not high-stress and it allows someone who just retired or wants a job with flexible hours to stay active socially while they make money.
If you’re looking for an alternative after retirement, waiter or waitress work is definitely a good option.
54. Cook
Many families are looking for healthy options for dinner. What is better than a home-cooked meal?
While working as a cook for a restaurant, you may often work long hours in a hot, noisy kitchen. However, cooking for local families on a small scale may be the perfect scenario.
55. Become a Transcriber
Transcription is a great way to make some money after retirement. You can typically make around $18-$25/hour, depending on your skill level and experience.
The work is relatively low stress, so it’s a great option for those looking for a relaxing way to make some extra income.
56. Retirement planner
Some retirement planners offer training and certification for their employees. The employer might pay for your training and certificate if they feel confident enough in hiring you as an employee after seeing how well you do these tasks.
This may not be the ideal situation for many, but it pays well.
57. Flip Items
Flipping items for profit is a great way to make some extra cash. You can find deals at garage sales and online, and then turn around and sell them for more.
Be sure to look out for scams, however, as there are many people who try to take advantage of those looking to flip items.
To learn how to flip for a side hustle, check out Flea Market Flippers.
58. Professional Volunteer
Charity work is a great way to give back to the community and help those in need. There are many charities that need help, and by donating your time or money, you can make a big difference in someone’s life.
It can also be a great way to ease into retirement. Many charities are always in need of volunteers, and you can often find opportunities that fit your schedule. You may also be able to find paid positions with certain charities.
You will have the opportunity to help others and make a real difference in their lives. You may also find new friendships and learn new skills.
It keeps you social and busy, and it lets you help out in your community. Plus, many organizations offer volunteer opportunities tailored to retirees’ skills and interests.
In fact, many volunteer opportunities turn into paid jobs.
How to find a job that is low stress and matches your skills?
Which best jobs for retirees do you want?
When you’re looking for a job that is low stress and matches your skills, it’s important to consider a variety of factors. For example, employers want employees who can work independently and are well-organized. They also want employees who can communicate clearly. You should have a basic understanding of the job duties as well.
If you have specific skills, you may not need these things as much.
However, employers still want employees who can complete tasks without any help from others. There are a variety of ways to find out about such jobs, including using search engines or social media sites like Facebook and LinkedIn.
Also, whoever says you have to wait for retirement?? Find low-stress jobs that pay well without a degree now.
It’s also important to be aware of the pay structure. Often, employers want employees who will be able to work for them on a long-term basis. The pay structure is often predictable and employers know exactly how much work there will be available for each project. This makes it easier for both parties involved.
One way to find a job that is low stress and matches your skills is by using online platforms like Upwork, Freelancer, and Fiverr. These platforms offer many data entry jobs that are perfect for those looking for an easy way to make some money after retirement. In order to take advantage of these jobs, you’ll have to learn how to type fast.
Know someone else that needs this, too? Then, please share!!