This ApartmentGuide article dives into the essence of life in the Empire State, highlighting the pros and cons of living there. With New York’s rich cultural heritage and endless opportunities for entertainment, dining, and outdoor activities, it’s an ideal destination for those looking to experience the best of both worlds. Whether you’re interested in upstate living with charming suburbs like Saratoga Springs, or want the hustle and bustle of Manhattan, New York has it all. Join us as we take a look on what life is like, so you can navigate what to expect.
Renting in New York snapshot
1. Pro: Diverse cultural experiences
New York is a melting pot of cultures, where you can immerse yourself in a multitude of cultural experiences. From the dazzling Broadway shows like Wicked in Manhattan to its numerous cultural festivals, such as the Greek Festival in Astoria, New York has plenty of experiences to appreciate all over the state.
2. Con: High cost of living
The cost of living in New York is significantly higher than the national average, especially in New York City where housing, groceries, and transportation can be particularly expensive. The median sale price in New York City is $776,500 and the average rent for a one-bedroom apartment is $5,147, making it challenging for residents to manage their finances comfortably.
3. Pro: Abundant natural beauty
New York boasts a variety of natural landscapes, from the scenic beaches of Long Island to the majestic Adirondack Mountains. The state offers countless opportunities for outdoor activities such as hiking, skiing, and boating, appealing to nature lovers and adventure seekers.
4. Con: Weather extremes
New York faces a range of extreme weather conditions, including flooding, severe storms, heatwaves, and winter blizzards. Additionally, heavy rainfall, exacerbated by factors like urbanization and climate change, can lead to flash floods in various regions of the state. Moreover, winter blizzards bring heavy snowfall and below-freezing temperatures, posing challenges for transportation and infrastructure maintenance.
5. Pro: World-class education institutions
New York is home to some of the world’s most prestigious universities and colleges, including Columbia University and New York University. These institutions attract individuals from all over the globe, contributing to the state’s vibrant intellectual community.
6. Con: Noise pollution
Noise pollution is a significant issue in many parts of New York, especially in urban areas. The constant background of traffic, construction, and urban activities can affect residents’ quality of life and well-being. If you’re walls are thin, you’ll want to learn how to soundproof a room.
7. Pro: Economic opportunities
As a global financial and business hub, New York offers vast economic opportunities across various sectors such as finance, media, technology, and healthcare. The city is home to Wall Street, the epicenter of the global finance industry, attracting top talent and investment from around the world. Additionally, New York City’s vibrant media landscape includes major publishing houses, television networks, and digital media companies, driving innovation and creativity in the industry.
8. Con: Traffic congestion
Traffic congestion is a common issue in New York, particularly in densely populated areas like New York City. This can lead to long commute times and increased stress for residents who rely on road transportation for their daily activities. Traffic congestion also allocates to the city’s noise pollution, stated above.
9. Pro: Culinary diversity
New York’s culinary scene is renowned for its diversity, offering everything from high-end dining experiences to street food from around the world. Food enthusiasts can explore a wide range of cuisines, reflecting the state’s multicultural population. For example, in New York City’s boroughs, one can find authentic Italian trattorias in Little Italy, while in upstate New York, be sure to try some amazing farm-to-table restaurants.
10. Con: Overcrowding in urban areas
Overcrowding is a problem in many areas of New York, particularly in New York City. High population density can lead to crowded public spaces, long lines, and a general sense of congestion, impacting residents’ daily lives. This issue is particularly evident in popular tourist destinations like Times Square and Central Park, where people gather year-round.
11. Pro: Vibrant arts scene
New York is a global center for the arts, home to iconic institutions like the Metropolitan Museum of Art, Museum of Modern Art and the The Corning Museum of Glass. The state’s vibrant arts scene includes a wide range of performances, exhibitions, and cultural events throughout the year.
12. Con: Limited affordable housing
Finding affordable housing in New York can be a significant challenge, especially in major urban centers. The high demand for housing often leads to competitive rental markets and high prices, making it difficult for many residents to find suitable accommodations.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
Not too long ago, getting a mortgage meant a lot of paperwork, visits to the bank, and waiting weeks or more for underwriter approval. But the way we apply for mortgages is changing fast, thanks to the digital world we live in.
You can apply for a mortgage online quickly and easily, adding layers of convenience to what used to be a tedious and harrowing experience. Applying for a mortgage online is becoming more popular because it’s convenient, quick, and easy.
As with so many other facets of life, the internet has made the mortgage process simpler and friendlier. With a few clicks, you can start the journey to owning your dream home.
In this article, we’re going to look at the pros and cons of applying for a mortgage online. Whether you’re buying your first home or thinking about refinancing, it’s important to know how the online mortgage process works. By the end, you’ll have a better idea of whether an online mortgage is right for you and how to handle the process.
The Rise of Online Mortgage Applications
The mortgage industry has shifted dramatically from traditional, in-person processes to digital applications. Here’s a brief look at this evolution and the current trends in the United States.
Traditional vs. Online Processes
Traditionally, getting a mortgage meant visiting a bank, dealing with lots of paperwork, and waiting weeks for approval. It was a process filled with face-to-face meetings and manual document handling. In contrast, the online mortgage process is faster and simpler. You can apply from anywhere, upload documents electronically, and get quicker responses.
Why the Shift Happened
This move towards digital applications has been driven by a demand for convenience and speed. The rise of technology in finance and changes in consumer behavior have played significant roles. The COVID-19 pandemic accelerated this trend, as remote and digital services became essential.
Current U.S. Trends
In the U.S., online mortgage applications are now a popular choice, especially among younger homebuyers who prefer digital interactions. Many mortgage lenders offer online options, and some operate exclusively online. This trend is driven by the ease of comparing rates, quicker application processes, and the overall convenience of handling things digitally.
Pros of Applying for a Mortgage Online
The shift towards online mortgage applications brings several advantages. Here’s a look at the key benefits:
Convenience and Accessibility
Applying from anywhere: One of the biggest advantages of online mortgages is the ability to apply from home or on-the-go. This flexibility is a game-changer for many, especially for those with busy schedules or limited access to traditional banks.
Available 24/7: Unlike visiting a traditional bank or mortgage broker, businesses that keep daytime hours, you can apply for a mortgage online at any time, day or night. You can even pause the application process and pick it up again later. If you prefer to handle your financial matters outside of standard banking hours, an online mortgage app makes it possible.
Speed of the Process
Faster applications and approvals: Online systems are designed for speed. From submitting an application to getting approval, the process is significantly quicker compared to traditional methods. This efficiency can be crucial in competitive housing markets.
Real-time updates: Online platforms often provide instant updates and digital communication channels. Stay in the loop with automated notifications, so you know exactly where your application stands. Prospective homebuyers no longer have to deal with the anxiety of waiting for responses.
Easier Comparison Shopping
Rate and term comparisons: Online platforms make it easy to compare mortgage rates and terms from various lenders. This ability to quickly view and compare options can lead to better financial decisions.
Informed decision-making: With online resources, you can research different mortgage products, understand the nuances of each option, and make an informed choice without feeling rushed.
Automation and Efficiency
Automated document handling: Online applications often come with automated systems for document submission and verification, reducing the chance of human error and accelerating the review process.
Streamlined processes: The overall application process is streamlined online, with clear instructions and fewer steps. This saves time and makes the entire experience less daunting for applicants.
Cons of Applying for a Mortgage Online
While there are many benefits to applying for a mortgage online, there are also some drawbacks to consider. Here are the main cons:
Less Personalized Service
Limited face-to-face interaction: Online applications lack the personal touch of meeting with a loan officer. This can be a downside for those who value direct, personal advice.
Challenges in customized advice: Getting tailored advice for unique financial situations can be harder online. This could be a concern for applicants with complex financial backgrounds or specific needs.
Security and Privacy Concerns
Potential data breaches: Applying online involves sharing personal and financial information digitally, which could be vulnerable to cyber threats like data breaches and identity theft.
Verifying lender legitimacy: It can be challenging to ensure the legitimacy of online lenders. You’ll need to be extra diligent researching lenders to avoid scams and fraudulent entities.
Complexity in Handling Unique Cases
Addressing complex financial situations: Online systems may not handle complex financial scenarios as effectively as a human loan officer might. This could be a problem for applicants with non-standard income sources or credit issues.
Automated systems limitations: While efficient, automated processes might not fully understand or accommodate nuanced financial situations, potentially leading to misinterpretation or oversimplification of an applicant’s financial state.
Reliance on Technology
Technical issues: The entire process depends on having a stable internet connection and functioning technology. Any disruptions in these can hinder the application process.
Comfort with technology required: You’ll need to be relatively tech savvy to complete an online mortgage application. This could be a barrier for those less familiar with digital platforms.
What to Consider Before Applying Online
Before diving into the online mortgage application process, there are several factors you should consider:
Assessing your financial situation: Take a close look at your finances, including your income, expenses, debts, and credit score. Understanding where you stand financially will help you determine what you can afford in monthly payments, including loan principal, interest, taxes, and insurance, and what kind of loan terms might be best for you.
Comfort level with technology: Consider how comfortable you are using digital tools and platforms. You’ll need to know how to use websites, upload documents securely, and communicate digitally in a timely manner.
Researching online lenders: It’s crucial to research and verify the credibility of online lenders. Look for reviews, check their credentials, and ensure they are legitimate and trustworthy to avoid scams and security risks.
Tips for Applying for a Mortgage Online
When you’re ready to apply for a mortgage online, keep these tips in mind for a smooth and secure experience:
Ensure a Secure and Informed Process
Use a secure internet connection: Always apply from a secure, private Wi-Fi network. Avoid public Wi-Fi to protect your sensitive personal and financial information.
Understand the application steps: Familiarize yourself with the online application process. Know the stages involved, from initial application to final approval.
Prepare necessary documents: Gather all required documents in advance. This typically includes proof of income, tax returns, bank statements, and credit reports. Having these ready will speed up your application.
Safeguard Your Personal Information
Choose secure platforms: Apply through reputable lenders with secure websites. Look for HTTPS in the web address as a sign of security.
Be cautious with your info: Share your personal and financial details only on the application. Avoid providing sensitive information via email or over the phone, especially if it’s an unsolicited request.
Regularly update your security software: Ensure that your computer or device has the latest security updates and antivirus software. This helps protect against malware and cyber threats.
Effectively Utilize Online Tools
Use online calculators: Leverage online mortgage calculators to estimate your monthly payments, understand interest rates, and determine affordability.
Comparison tools: Take advantage of comparison platforms to compare different mortgage rates and terms from various lenders. This can help you find the best deal suited to your needs.
Educational resources: Many online mortgage platforms offer educational resources. Use these to understand the types of mortgages available, the application process, and other important aspects of home buying.
By following these tips, you can apply for a mortgage online more confidently and securely. Remember, being prepared and informed is key to a successful and stress-free mortgage application experience.
Conclusion
Applying for a mortgage online comes with a unique set of pros and cons. It offers convenience, speed, and the ability to easily compare options, but it also requires a comfort level with technology and lacks the personalized service of traditional methods.
Before deciding, consider your own financial situation, your comfort with technology, and the credibility of the online lenders you select. By weighing these factors carefully, you can make a choice that best suits your individual needs and circumstances in your journey towards homeownership. If you decide to use an online lender, heed the tips above to get through the process securely and effectively.
Looking for the best jobs that help people? Whether you are looking for a full-time job or a way to make extra income, there are many ways to make money by helping others. Picking a job that matches what you want to achieve personally and lets you help others can feel really good. In lots…
Looking for the best jobs that help people?
Whether you are looking for a full-time job or a way to make extra income, there are many ways to make money by helping others.
Picking a job that matches what you want to achieve personally and lets you help others can feel really good. In lots of different fields, jobs where you can help people have become very popular.
Whether it’s teaching, counseling, healthcare, or responding to emergencies, each job lets you change someone else’s life for the better. If you like the idea of helping out your community and giving assistance to those who need it, there are plenty of rewarding jobs that might be right for you.
Now, that doesn’t mean the jobs below are easy. While you may feel good knowing that you are helping people, many of these jobs are very hard. But, you will know that you are truly helping people and changing the world for the better.
30 Best Jobs That Help People
Below are 30 full-time and part-time jobs helping others in crisis, in your community and at homes.
1. Social worker
If you’re someone who likes to help others, becoming a social worker might be the perfect job for you. Social workers support people who face challenges in their lives. This could mean working with children, families, or even whole communities.
Social workers might work in schools, helping kids and families get through tough times, or in hospitals guiding patients through health challenges.
2. Teacher
A teacher’s job is about more than just giving lessons. The job is to guide and help students understand new information. When you teach, you make a real difference in the lives of your students.
Teachers work in different settings, such as at a public school, private institution, or even provide one-on-one education as a tutor. Some teachers work online too, which is a great option if you’re looking for more flexibility.
You can choose to become a kindergarten teacher, high school teacher, college instructor, or anything in between.
Recommended reading: 36 Best Side Jobs for Teachers To Make Extra Money
3. Nurse
Nurses play an important role in healthcare, helping people feel better and stay healthy.
I have met so many amazing nurses in my life, and it is such a helpful career path. I still very much remember all of the wonderful nurses who helped me when I was in the hospital giving birth to my daughter – these nurses were amazing and helped me so much, and I truly felt like they cared.
Nurses can work from home, in a hospital, or even in a law firm. A similar career path where you can help people is to become a nurse practitioner, with a higher salary and extra responsibilities.
Recommended reading: 27 Best Side Hustles For Nurses To Make Extra Money
4. Personal trainer
If you like staying active and want to help others, becoming a personal trainer could be a great fit for you.
As a personal trainer, you’ll get to work with people every day, helping them achieve their fitness goals. It’s not just about showing exercises; it’s about motivating and guiding people to live healthier lives.
Here are some of the things that personal trainers do:
Create workout plans.
Show people how to exercise correctly.
Keep track of a client’s progress.
Teach clients about healthy lifestyle choices.
Personal trainers are found in places like gyms, fitness centers, and sometimes they can even come to your home. Some trainers lead group classes, while others give one-on-one sessions.
5. Occupational therapist
An occupational therapist (OT) helps people of all ages do different activities that are important for their daily lives, work, school, and leisure. Some examples of occupational therapy include:
Dressing – OTs help individuals in selecting appropriate clothing and developing strategies to independently dress themselves.
Eating – OTs may recommend adaptive equipment or techniques to help individuals with feeding difficulties.
Household chores – They provide strategies to make household chores more manageable for individuals with physical or cognitive limitations.
Job tasks – OTs help individuals develop skills and strategies to perform job duties effectively and safely.
Community integration – They support individuals in participating in community events, clubs, and social gatherings.
As you can see, OTs help people in so many ways.
They work in places like hospitals, schools, or even patients’ homes are common spots for occupational therapists.
6. School counselor
School counselors play a big part in guiding students toward their future.
They help with class schedules, give advice, or plan big steps like going to college or finding a job. This job is important because school counselors help students do their best and feel good about themselves.
They also help in other ways, such as helping students who are going through a hard time in life, like helping them with handling a mental health issue or even dealing with the passing of a parent. They are very much needed in all schools!
7. Substance abuse counselor
Substance abuse counselors help people fight addiction and get their lives back on track. Their job is important because they guide people through tough times, showing them how to stay away from drugs or alcohol and live a healthier life.
They meet with people and listen to their stories, teach them new ways of dealing with problems without using substances, and support them as they make changes to better their lives.
8. Physician
Being a doctor is a way to make a big impact in your community, as everyone knows.
Depending on the specialty, they can check your health, find out what’s wrong when you’re sick, and give you the right medicine to help you feel better.
Doctors are important because they help us when we’re sick and also keep us healthy. They listen to our concerns, offer comfort, and provide treatments. This makes a big impact on many people’s lives every single day.
9. Lawyer
A lawyer’s main job is to protect the legal rights of their clients. This means giving advice based on the law and, sometimes, defending your client in court.
A lawyer might work at a large law firm, for businesses, or for everyday people with different problems. Lawyers tend to specialize in one area of law, like helping injured people, family issues, working with businesses, traffic tickets, and so on.
10. Paramedic
Paramedics are the people who arrive first when there’s a medical emergency.
Their job is to take care of people who are hurt or very sick, right there on the spot or while they’re on the way to the hospital for further treatment. They give first aid and other medical care, stay calm under pressure, and drive an ambulance if needed.
11. Firefighter
Firefighters are trained to fight fires and keep people, buildings, and nature safe. They rescue people and animals from burning buildings, help at accident scenes, and teach the public about staying safe from fires.
This is a tough job that every community needs.
12. Nutritionist
If you like helping people and love everything about food and health, think about becoming a nutritionist! A nutritionist is someone who helps people eat better and live healthier lives.
A nutritionist is a health expert who knows a lot about food and how it affects our bodies. They look at what people eat, their health goals, and make personalized plans to help them eat better. Nutritionists teach people about healthy eating, help with meal plans, and give support to make lasting changes in lifestyle.
They work in different places like schools, hospitals, or their own offices to help people be healthier through good nutrition.
13. Pediatric sleep consultant
Getting enough sleep is super important for babies and their parents. But sometimes, parents have trouble making sure their baby sleeps well.
This can lead to some parents getting nearly no sleep, and it impacts their life, their job, and their mental health.
That’s where pediatric sleep experts come in handy. They know a lot about helping kids sleep better, which helps families have better nights. If you really like working with kids and want to help them, becoming a sleep coach could be a great career option for you.
This is an area that so many parents need so that they can continue living their lives.
For me, I have taken many tips from pediatric sleep consultants so that I could help my child sleep better, and so that I in turn could get sleep as well. These were life-changing tips!
Recommended reading: How To Become A Sleep Consultant And Make $10,000 Each Month
14. Dentist
Dentists work with teeth and gums, and they help keep your mouth healthy as well as fix problems when they come up.
If you have a cavity, they can fill it. Or if you have something more serious, they can fix it too. Dentists tell you how to take care of your teeth so you can keep them strong and avoid future problems.
15. Psychologist
Psychologists help people deal with their feelings and thoughts by listening to people and understanding their problems. They work in schools, offices, and sometimes even online.
They ask questions, do tests, and figure out the best way to help people feel better.
16. Police dispatcher
Being a police dispatcher is an extremely important job that helps people in crisis.
Dispatchers have an important job in keeping communities safe and making sure everything runs smoothly. They answer emergency calls when you call 911 and send out the right help.
17. Police officer
Police officers in law enforcement keep areas safe by stopping crime and making sure laws are followed. They patrol the streets, keep an eye out for any trouble, and if someone calls for help or there’s an accident, police officers are the first to arrive.
A police officer’s work is very important for everyone’s safety. They are trained to handle many kinds of situations.
Some police officers have a degree in criminal justice, but not all have college degrees.
18. Massage therapist
Massage therapists use their skills to help relax tight muscles and ease pain. They work in many places like spas, hospitals, or sports centers.
This is a career path where you can make others feel physically better, relieve stress, and feel relaxed.
19. Speech and language therapist
Speech therapists (also known as speech-language pathologists) help people of all ages overcome difficulties with communication, as well as swallowing disorders.
Speech therapists work with children and adults who face challenges with speaking and understanding others, help those who have trouble eating or swallowing due to health issues, and create fun and engaging exercises to improve clients’ speech and language skills.
Many, many people use speech-language pathologists these days, especially for young children, and it is such a needed career path right now. Many cities have very long waitlists because there simply are not enough speech therapists, so this can be a very helpful career choice to get into.
20. Rehabilitation specialist
Rehabilitation specialists give support to those who need a little extra help due to health troubles like injuries or mental health challenges.
A day in the life of a rehabilitation specialist could include working with kids or adults, helping them with their skills to live a good life (kind of like teaching and cheering on someone as they learn or remember how to do important daily stuff).
These jobs are often found in places like hospitals, private clinics, or community centers.
21. Caregiver
Caregiving roles are very important careers that help people who really need it.
Caregivers play an important role in the lives of those who need help due to age, sickness, or disability. They provide support and company, making a real difference every day.
Caregivers do things like cook meals, drive people places, or just talk to make someone’s day brighter.
22. Home health aide
A home health aide is somewhat similar to a caregiver. Caregivers and home health aides both help people who need support with daily activities because of sickness, disability, or getting older. However, caregivers usually do a wider range of tasks like keeping people company, driving people places, cooking, and doing chores.
Home health aides focus more on personal care, such as helping with bathing, dressing, and reminding about medications. Home health aides often get formal training and might work under a nurse or another healthcare worker, while caregivers might not have formal training and often work on their own or for agencies.
Home health aides have an important job where they help people who need extra care to live comfortably in their homes. People like seniors or those with disabilities count on them to be there for them.
23. Translator
Translators connect people who speak different languages, and this job is important because they help people understand each other.
Translators work in many places. Some work in hospitals, making sure doctors and patients understand one another. Others translate books or websites, so everyone can enjoy stories or information, no matter what language they speak.
Many translation jobs let you work from home. Some jobs are full-time, and some are part-time. You can find what fits your life.
Recommended reading: 28 Ways To Get Paid To Text And Make Money
24. Environmental engineer
Environmental engineers figure out how to keep nature clean and safe. They sometimes work on projects that prevent pollution or create plans to fix damage that’s already been done, like cleaning up oil spills.
25. Pharmacist
Pharmacists know all about medicine, fill doctors’ prescriptions for patients, and explain how to take the medicine safely. This is a job that helps people because people need medicine in order to feel better.
Pharmacists work in pharmacies, drugstores, clinics, and hospitals.
26. Optometrist
Optometrists are eye doctors that help people see better. They check your eyes, find out if you need glasses or contacts, and can spot eye troubles before they become a bigger issue.
Eyes are important, of course, and so this is a job that definitely helps people.
27. Midwife
Becoming a midwife might be a great job for you if you enjoy helping people and have an interest in healthcare. Midwives are healthcare professionals who help women before, during, and after they have a baby.
Midwives work in different places, such as in a hospital, in a clinic, or visiting moms at their homes.
I had a midwife and doctor team for my pregnancy, and the midwife was amazing. She made me feel comfortable and was very friendly and calming.
28. Conservationist
Conservationists get to spend their days outdoors, helping plants and animals survive and stay healthy. They research and learn about different species and find ways for humans to live alongside them without causing harm.
The planet is home to incredible animals and places, but some are at risk. Conservationists help protect these natural wonders and make sure there are plenty of wild areas for animals to thrive in. They also work to keep the air and water clean for everyone to enjoy.
29. Dental hygienist
Dental hygienists are important in preventing and treating oral diseases. It’s more than just cleaning teeth.
They also teach patients how to take care of their mouth, show them the right way to brush and floss, and help them understand why oral health is so important.
30. Blogger
Okay, so I realize that this option is not like any of the rest.
But, I have personally helped thousands of people over the years with my blog, so I think being a blogger definitely helps people. I have received many emails and letters from readers who have said that I helped them pay off their debt, stop living paycheck to paycheck, reach retirement, and more.
With a blog, you can help people understand different topics, learn actionable tips, get motivated to reach their goals, and more.
If you enjoy writing and sharing stories or expertise, becoming a blogger might be right up your alley. A blogger creates content for a blog, which is an online space for posting thoughts, knowledge, and insights.
Your blog can become a helpful resource on topics you’re passionate about. Whether it’s cooking, personal finance, or even traveling, your words could be valuable to someone else.
I started Making Sense of Cents back in 2011. Since then, my blog has made over $5,000,000.
I didn’t plan to make money when I started the blog. It was just a way for me to keep track of my own money journey. At first, I didn’t even know people could make money from blogging or how to make a successful blog!
But after only six months, I started earning money from my blog.
You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).
Frequently Asked Questions
Below are answers to common questions about how to find jobs that help people.
What is the best career to help others?
The best careers to help others include becoming a social worker, teacher, nurse, therapist, counselor, and firefighter.
What job helps people with their money?
Financial planners or advisors help people manage their money effectively. They provide advice on investments, savings, and budgeting to help individuals achieve their financial goals and secure their future financial stability.
What job can I do to make people happy?
Many of the jobs above can help people become happy, such as being a teacher, personal trainer, school counselor, nutritionist, pediatric sleep consultant, psychologist, and massage therapist.
What are some jobs that help people’s mental health?
Mental health counselors and therapists give support and treatment to people dealing with mental illnesses. They play an important part in improving their clients’ emotional and psychological well-being.
What are some creative jobs that help others?
Art therapists help people deal with stress, trauma, or sickness by using creative activities. They combine the healing power of art with counseling techniques to support healing and personal development.
What are jobs that help people in crisis?
Jobs that help people in crisis include substance abuse counselors, social workers, registered nurses, and art therapists.
What are jobs helping others without a degree?
A bachelor’s degree, master’s degree, or doctoral degree is not required for all jobs that help people. For example, home health aides and personal care aides help people with daily tasks and give companionship. Typically, formal education is not required, but training and a caring personality are important to actually help people.
Best Jobs That Help People – Summary
I hope you enjoyed this article on the best jobs that help people.
When you think about jobs that help others, you might think of social work or healthcare right away.
But there’s a wide range of options, including jobs in teaching, therapy, public service, and even technical fields like translation or environmental engineering.
Each of these jobs is important for making our community better and healthier, often by working directly with people to make their lives better. These roles give more than just a paycheck – they give you the satisfaction of knowing that your work helps people outside of the office too.
What do you think are the best jobs that help people and pay well?
The 10-year yield has had a wild ride today, but now is an excellent time to look at my macro take on the labor market and explain what the Fed is looking for with the jobs data. The Fed recently said that the labor market getting weaker would force them to act more dovish on rate cuts, and that seeing vigorous job creation wasn’t a big concern. So, let’s look at where we are today with all the labor data and why mortgage rates are still high while the labor market is getting softer.
Since 2022, I haven’t believed the Fed would pivot until the labor market breaks. I believe too many people put too much weight on the inflation growth rate slowing as the primary driver for lower mortgage rates. Instead, I have focused on jobless claims data. My target has always been the same: jobless claims breaking above 323,000 on the four-week moving average is recessionary. We are far from that, and as you can see below, the growth rate of inflation has fallen, but bond yields and mortgage rates are still elevated because the labor market hasn’t broken yet.
Below, CPI inflation’s growth rate is at 3.2%, while the 10-year yield is at 4.36%. I know it’s wild to think, but we had lower rates with hotter inflation data.
The one data line that has been improving, which Chairmen Powell mentioned at the last press meeting, is jobless claims, which have been falling for months. If this data line ran above 300,000, we would have a different mortgage rate discussion today. Remember, the labor market is getting softer, but it’s not breaking. Once it breaks, that will force the Fed to move,and bond yields will have already gone lower.
How did we get here with the labor market? Here’s my explanation, which all started during COVID-19.
1. I wrote the COVID-19 recovery model on April 7, 2020, and retired it on Dec. 9, 2020. By that time, the upfront recovery phase was done, and I needed to model out when we would get the jobs lost back.
2. Early in the labor market recovery, when we saw weaker job reports, I doubled and tripled down on my assertion that job openings would get to 10 million in this recovery. Job openings rose all the way to 12 million and are currently over 9 million. Even with the massive miss on a job report in May 2021, I didn’t waver.
Currently, the job openings, quit percentage, and hires data are below pre-COVID-19 levels, which means the labor market isn’t as tight as it once was. The employment cost index has slowed recently as well. Today’s jobs report showed slower wage growth than earlier in the cycle.
3. I wrote that we should get back all the jobs lost to COVID-19 by September 2022. This would be a speedy labor market recovery at the time, and it happened on schedule, too.
4. This is the key one right now: If COVID-19 hadn’t happened, we would have between 157 million and 159 million jobs today, which is in line with the job growth rate in February 2020. Today, we are at 158,133,000.This is important because job growth should be cooling down now. We are more in line with where the labor market should be when the average is 140,000 to 165,000monthly.So, for now, the fact that we aren’t trending between 140,000-165,000 means we still have a bit more recovery kick left before we get down to those levels.
From BLS:Total nonfarm payroll employment rose by 303,000 in March, and the unemployment rate changed little at 3.8 percent, the U.S. Bureau of Labor Statistics reported today. Job gains occurred in health care, government, and construction.
Here are the jobs that were created and lost in the previous month:
In this jobs report, the unemployment rate for education levels looks like this:
Less than a high school diploma: 4.9%
High school graduate and no college: 4.1%
Some college or associate degree: 3.4%
Bachelor’s degree or higher: 2.1%
A positive trend for the Fed with a softer labor market is that wage growth is cooling down. The Fed can live with 3% wage growth and 1% productivity growth, and now that wage growth is slowly moving under 4%, they will feel more like pilots who can land the plane.
Productivity data has indeed been more robust recently. Still, the Fed doesn’t believe in the more robust productivity numbers, so wage growth closer to 3%- 3.5% is more in their comfort zone.
On a side note, a positive story in housing this year is that the mortgage spreads are improving, and we haven’t had a stress market event like last year to push them higher. This is a huge plus because if the spreads can get back to normal with lower yields, we have a sub-6% mortgage rate market and we can certainly work with that.
All in all, the labor report is showing the same trend I have been seeing for some time now: the labor market is getting softer, but we are still creating more jobs than I was expecting at this point of the cycle. If we are still growing jobs over 165K once we break over 159,000,000 then my forecast model was incorrect, and the labor dynamics are more robust than I anticipated, so less than 1,000,000 jobs left before we cross that bridge.
However, after considering all the drama we had to deal with this week, we came out okay on this jobs report. It does provide a path for the Federal Reserve to see the softer wage growth data and land the plane.
Some federal student loans can indeed be forgiven after 20 years. Borrowers can access forgiveness through income-driven repayment (IDR) plans and other options. These programs can make a significant difference for those who are working their way through their debt and the stress that can accompany it.
In fact, in January 2024, the Biden administration revealed that it successfully canceled nearly $5 billion in student debt for 74,000 borrowers. Of these borrowers, 30,000 received forgiveness under an IDR plan.
Getting your loans forgiven through this process isn’t as immediate and sweeping as what President Biden had originally proposed (more on that in a moment) to assist those with student debt. However, the new program effectively forgives student loans after 20 years. Here’s what to know about IDR plans and other paths to student loan forgiveness.
Forgiveness With Income-Driven Repayment Plans
First, to address what you may have heard about on the news: Yes, the Supreme Court decided in the summer of 2023 to strike down President Biden’s cancellation relief plan of up to $20,000 in forgiven federal loans.
However, there’s the $5 billion in forgiveness mentioned above, and there’s still help to be accessed. Income-driven repayment plans help make your installments more manageable by stretching your term and reducing how much you owe each month. They also forgive federal student loans after 20 years or 25 years of payments, depending on the plan.
There are four IDR plan options, and each recalculates your required payment amount based on your family size and discretionary income.
• Saving on a Valuable Education (SAVE) Plan. The SAVE Plan sets your monthly payment at 10% of your discretionary income over 20 years for loans that went toward your undergraduate education. If you borrowed any federal loans for graduate school, you’ll be eligible for forgiveness after 25 years.
Also, as of summer 2024, there is the possibility that some borrowers will pay just 5% of their discretionary income and have their loans forgiven at the 10-year mark. Research the details to see if you might qualify.
• Pay As You Earn (PAYE) Plan. The PAYE Plan also has payments at 10% of your discretionary income, but payments are capped. They must be lower than what you’d pay on a 10-Year Standard Plan. The repayment period is for 20 years.
• Income-Based Repayment (IBR) Plan. IBR plans calculate your monthly payment at 10% of your discretionary income for a 20-year term. However, if you followed your loans before July 1, 2014, your payment is 15% of your discretionary income for 25 years.
• Income-Contingent Repayment (ICR) Plan. Borrowers on ICR have the highest payments in relation to their income. The ICR Plan sets payments at 20% of discretionary income for 25 years before you’d qualify for forgiveness.
Depending on your situation, you might qualify for a monthly payment of $0. After completing all payments under your IDR plan, the remaining balance on your eligible loans is forgiven. Note that based on current IRS guidelines, the canceled amount through an IDR forgiveness might be considered taxable income.
These programs can help you end your federal student loan payments and apply the money that’s freed up to other financial priorities. 💡 Quick Tip: Ready to refinance your student loan? You could save thousands.
Eligibility Criteria for Income-Driven Repayment Plans
There are a few requirements to meet eligibility requirements, depending on the IDR plan you’re interested in. First, some points to know:
• Only Direct Loans that were borrowed by the student are eligible for any IDR plan.
• Borrowers with other federal non-Direct Loans, like Federal Family Education Loan (FFEL Program Loans) or Parent PLUS Loans, must first convert their loan into a Direct Consolidation Loan to access IDR.
• Parents who do this for their Parent PLUS Loans are only eligible for the ICR Plan after consolidation.
• Only new borrowers can enroll in PAYE. New borrowers are those who didn’t have a pre-existing federal loan balance upon receiving a federal loan on or after October 1, 2007, and received their loan disbursement or Direct Consolidation Loan on or after October 1, 2011. You must meet both requirements for PAYE.
• Your loans must also be in good standing and not in default. If you have defaulted loans, you must get them out of default before enrolling in IDR. One way to do so is by participating in the Fresh Start program.
• Once you’re enrolled in an IDR plan, you must recertify your income and family size information every year. If your income drops during the year, you don’t have to wait until your due date to recertify. Instead, you can recertify immediately and have your monthly payment adjusted accordingly.
• If you’re interested in applying for an IDR plan, submit an online application by logging into your StudentAid.gov account, or by contacting your loan servicer.
Note: You can use Student Aid’s Loan Simulator to see how much your payments might be under each IDR plan.
Pros and Cons of IDR Repayment Plans
An IDR plan is a nuanced repayment approach that has its share of benefits and disadvantages. Below is a quick overview of the pros and cons of these federal programs.
Pros:
• Helps you access impactful loan forgiveness programs.
• Might lower your monthly payment, possibly to $0 per month.
• Frees up cash flow in your budget for other expenses.
• Doesn’t require good credit.
Cons:
• You’ll pay more interest over time.
• Requires annual income and family size recertification.
• You might owe taxes on the amount forgiven by the IDR plan.
• It technically keeps you in debt longer. 💡 Quick Tip: If you have student loans with variable rates, you may want to consider refinancing to secure a fixed rate in case rates rise. But if you’re willing to take a risk to potentially save on interest — and will be able to pay off your student loans quickly — you might consider a variable rate.
Federal Programs That Forgive Student Loans Sooner
Federal student loans aren’t just forgiven after 20 years or longer. There are other cancellation programs you can reach in less time, depending on your employment or loan type.
• Public Service Loan Forgiveness is available to full-time public service employees at eligible jobs. It lets you reach loan forgiveness after 120 qualifying payments while on an IDR plan. This means you could qualify for federal loan forgiveness in 10 years, instead of 20 years or longer.
• Other cancellation programs include Teacher Loan Forgiveness (TLF) which cancels up to $17,500 in federal Direct and Stafford Loans. To qualify for TLF, you must complete five years of full-time and consecutive teaching service with a qualifying educational agency or low-income school.
Recommended: What Percentage of Your Income Should Go to Student Loans?
Plan for the Future
Understanding the basics of student loans, including your repayment options, can make managing your debt smoother. Remember, student loans aren’t forever; they are a financial phase you are moving through, as you would with a mortgage or car loan.
• Make interest-only payments. If you have unsubsidized student loans, they accrue interest as soon as the loan funds are disbursed. To avoid interest capitalization (i.e. interest added to your principal balance) later, consider making interest-only payments while you’re in school.
• Put cash windfalls toward your loans. If you can afford to, redirect cash windfalls (say, a tax refund, cash gifts, or annual performance bonus) toward your student debt. This can go a long way at paying them off sooner.
• Ask about employer student loan assistance. Some companies help their employees pay off their student debt faster, by matching all or a portion of an employee’s monthly loan payment. Talk to your human resources department to see if your employer offers this benefit.
• Private education loans don’t qualify. Remember that private student loans aren’t eligible for federal loan forgiveness or other programs. If you’re struggling with your private loan payments, reach out to your lender ASAP to learn about your options.
Refinancing Options
Another alternative repayment option is a student loan refinance. This involves having a private lender pay off one or more of your existing federal loan balances and then create a new loan for the amount it paid on your behalf. The refinanced student loan will have a new rate, term, and features, and you’ll make your payments to your new lender.
Some advantages of refinancing student loans include potentially finding a lower interest rate, simplifying your repayments, and/or decreasing your monthly payment, but there are also downsides.
• If you refinance federal loans, they’re no longer eligible for federal benefits and protections, such as loan forgiveness programs or forbearance. So, before refinancing, ensure you won’t need these federal benefits in the future.
• Also, if you refinance for an extended term, you will likely pay more interest over the life of the loan. It’s important to consider how this may impact your overall financial picture.
If refinancing does seem as if it might be a good path for you, compare rates from a handful of lenders, and review the terms and costs carefully, perhaps using an online student loan refinancing calculator.
The Takeaway
Putting money toward student loans can have a dramatic impact on your day-to-day cash flow. And, if you’re like many student loan borrowers, you’re eagerly looking forward to paying off your debt. Getting forgiveness of student loans after 20 years might sound painfully long. But with some federal plans, you might get out from under that debt sooner, reduce your payments to as low as $0, and/or get any remaining balance canceled anyway. It’s important to research your options and the qualifications so you can move past student loan debt as soon as it makes sense for your particular situation.
This prospect alone is worth talking to your federal loan servicer to see if you qualify for enrollment.
Looking to lower your monthly student loan payment? Refinancing may be one way to do it — by extending your loan term, getting a lower interest rate than what you currently have, or both. (Please note that refinancing federal loans makes them ineligible for federal forgiveness and protections. Also, lengthening your loan term may mean paying more in interest over the life of the loan.) SoFi student loan refinancing offers flexible terms that fit your budget.
With SoFi, refinancing is fast, easy, and all online. We offer competitive fixed and variable rates.
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SoFi Student Loan Refinance If you are a federal student loan borrower, you should consider all of your repayment opportunities including the opportunity to refinance your student loan debt at a lower APR or to extend your term to achieve a lower monthly payment. Please note that once you refinance federal student loans you will no longer be eligible for current or future flexible payment options available to federal loan borrowers, including but not limited to income-based repayment plans or extended repayment plans.
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Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
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Inside: Learn how much your 70k salary is hourly. Plus find tips to make more money and live the lifestyle you want.
You want to know to look into this… Is 70k salary a solid hourly wage in today’s society?
When you get a job and you are making about $19 an hour, making over $70,000 a year seems like it would provide amazing opportunities for you. Right?
The median household income was $70,084 in 2021 not much different from the previous year (source). Think of it as a bell curve with $70 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 $55,350 for a 40-hour workweek; that is an increase of 1.1% from the previous year (source). That means if you take everyone’s income and divide the money out evenly between all of the people.
Obviously, $70k is above the average and median incomes; yet, most people feel like they can barely make ends meet with this higher than average salary.
But, the question remains… Can you truly live off 70,000 per year in today’s society? The question you want to ask all of your friends is whether $70000 per year is a good salary.
In this post, we are going to dive into everything that you need to know about a $70000 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 $70k 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?
$70000 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 70k a year hourly. That way you can decide whether or not the job is worthwhile for you.
70000 salary / 2080 hours = $33.65 per hour
$70000 a year is $33.65 per hour
Let’s breakdown how that 70000 salary to hourly number is calculated.
For our calculations to figure out how much is 70K salary hourly, we used the average five working days of 40 hours a week.
Typically, the average work week 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 $70000 by 2,080 working hours and the result is $33.65 per hour.
Just below $34 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 $10K, it would increase your hourly wage by $4.81 per hour.
To break it down – 80k a year is how much an hour = $38.46
That is a huge difference in what you are able to afford! Every dollar adds up to under $40 an hour.
How Much is $70K salary Per Month?
On average, the monthly amount would be $5,833.33.
Annual Salary of $70,000 ÷ 12 months = $5,833.33 per month
This is how much you make a month if you get paid 70000 a year.
$70k 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 $70k 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$70000/52 weeks = $1,346 per week.
$70000 a year is how much biweekly?
For this calculation, take the average weekly pay of $1,346 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 work day.
8 hours x 52 weeks = 260 working days
Annual Salary of$70000 / 260 working days = $269 per day
If you work a 10 hour day on 208 days throughout the year, you make $336 per day.
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$70000 Salary is…
$70000 Salary – Full Time
Total Income
Yearly Salary (52 weeks)
$70,000
Monthly Salary
$5,833
Weekly Wage (40 Hours)
$1,346
Bi-Weekly Wage (80 Hours)
$2,692
Daily Wage (8 Hours)
$269
Daily Wage (10 Hours)
$336
Hourly Wage
$33.65
Net Estimated Monthly Income
$4,453
Net Estimated Hourly Income
$25.69
**These are assumptions based on simple scenarios.
70k 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 a salary range of up to $160,200.
When you start getting into a higher salary range, the more you make, the more money that you have to pay in taxes.
Every single tax situation is different.
On the basic level, let’s assume a 12% federal tax rate and 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.
So, how much an hour is 70000 a year after taxes?
Gross Annual Salary: $70,000
Federal Taxes of 12%: $8,400
State Taxes of 4%: $2,800
Social Security and Medicare of 7.65%: $5,355
$70k Per Year After Taxes is $53,445.
This would be your net annual salary after taxes.
Hourly Wage After Taxes
To turn that back into an hourly wage, the assumption is working 2,080 hours.
$53445 ÷ 2,080 hours = $25.69 per hour
After estimated taxes and FICA, you are netting $53,445 per year, which is $16,555 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 who lives in a no tax state like Texas or Florida. This is the debate of HCOL vs LCOL.
Thus, your yearly gross $70000 income can range from $47,845 to $56,245 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 $70,000 income.
How Much Is 70K A Year Hourly Salary Calculator
More than likely, your salary is not a flat 70k, here is a tool to convert your salary to hourly calculator.
If you make 70000 a year, learn how much house can you afford.
70k 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 $70,000 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 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 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, $70,000 a year is above the median income of $60000 that you would find in the United States. Thus, you are able to live an above-average lifestyle here in America.
What a $70,000 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.
When A $70,000 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 70k 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 until that happens.
Break the paycheck to paycheck cycle.
Live a lifestyle that you can afford.
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.
$70K 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 is left for fun spending.
If you want to know how to manage 70k 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 $70000 a year salary:
Category
Ideal Percentages
Sample Monthly Budget
Giving
10%
$583
Savings
15-25%
$1167
Housing
20-30%
$1400
Utilities
4-7%
$146
Groceries
5-12%
$394
Clothing
1-4%
$29
Transportation
4-10%
$175
Medical
5-12%
$292
Life Insurance
1%
$15
Education
1-4%
$20
Personal
2-7%
$88
Recreation / Entertainment
3-8%
$146
Debts
0% – Goal
$0
Government Tax (including Income Taxes, Social Security & Medicare)
15-25%
$1389
Total Gross Income
$5,833
**In this budget, prioritization was given to savings, basic expenses and no debt.
Is $70,000 a year a Good Salary?
As we stated earlier if you are able to make $70,000 a year, that is a good salary. You are making more money than the average American and slightly less on the bell curve on the median income.
You shouldn’t be questioning yourself if 70000 is a good salary.
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 $70k salary would be considered a middle-upper class salary. This salary is something that you can live on very comfortably.
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 91 percentile globally for per-person income (source).
The question you need to ask yourself with your 70k 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 some expensive cities, 70000 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 comfortable living at 70000 per year.
If you are looking for a career change, you want to find jobs paying at least $90,000 per year.
Is 70k 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.
Your living expenses and ideal budget are much less. Thus, you can live extremely comfortably on $70000 per year.
And… most of us probably regret that we didn’t learn how to spend money wisely. Oh well, lesson learned.
Is 70k a good salary for a family?
Many of the same principles apply above on whether $70000 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. Plus this does not include college.
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 $70,000 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 you want.
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 70,000 per year, then the combined income for the household would be $140,000. 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 $70000 Per Year?
As we outlined earlier in the post, $70,000 a year:
$33.65 Per Hour
$269-336 Per Day (depending on the length of day worked)
$1346 Per Week
$2692 Per Biweekly
$5833 Per Month
Next up is making $75000 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 Mississippi or even Texas.
In addition, if you are early in your career, starting out around 45,000 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 $70K, then you probably need to look at asking for pay increases, picking up a second job, or finding 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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100k salary is when you feel like you have arrived in your career. You know living on this amount of income would be simple. But, is making $100000 doable in today’s high inflation world?
When you get a job and you are making about $28 an hour, making over $100,000 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; 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 divide the money out evenly between all of the people.
Obviously, $100k is well above the average and median incomes; yet, most people feel like they can barely make ends meet with this much higher than average salary.
But, the question remains can you truly live off 100,000 per year in today’s society. The question you want to ask all of your friends is $100000 per year a good salary.
In this post, we are going to dive into everything that you need to know about a $100000 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 $100k 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?
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$100000 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 100k 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 100K salary hourly, we used the average five working days of 40 hours a week.
Let’s breakdown how that 100000 salary to hourly number is calculated.
Typically, the average work week 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 $100000 by 2,080 working hours and the result is $48.08 per hour.
100000 salary / 2080 hours = $48.08 per hour
$100000 a year is $48.08 per hour
This is just above $45 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.
Just an interesting note… if you were to increase your annual salary by $5K or start a side hustle making $5k a year, it would increase your hourly wage by $2.40 per hour.
To break it down – 105k a year is how much an hour = $50.48
That isn’t a huge amount of money, but every dollar adds up to over $50 an hour.
How Much is $100K salary Per Month?
On average, the monthly amount would be $8,333.
Annual Salary of $100,000 ÷ 12 months = $8,333 per month
This is how much you make a month if you get paid 100000 a year.
$100k 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 a $100k 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$100000/52 weeks = $1,923 per week.
$100000 a year is how much biweekly?
For this calculation, take the average weekly pay of $1,923 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 work day.
8 hours x 52 weeks = 260 working days
Annual Salary of$100000 / 260 working days = $384 per day
If you work a 10 hour day on 208 days throughout the year, you make $480 per day.
$100000 Salary is…
$100000 – Full Time
Total Income
Yearly (52 weeks)
$100,000
Monthly
$8,333
Weekly (40 Hours)
$1,923
Bi-Weekly (80 Hours)
$3,846
Daily Wage (8 Hours)
$384
Daily Wage (10 Hours)
$480
Hourly Wage
$48.08
Net Estimated Monthly Income
$6,362
Net Estimated Hourly Income
$36.71
**These are assumptions based on simple scenarios.
Learn how much house can I afford with 100k salary.
100k 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 start getting into a higher salary range, the more you make, the more money that you have to pay in taxes.
Every single tax situation is different.
On the basic level, let’s assume a 12% federal tax rate and 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.
So, how much an hour is 100000 a year after taxes?
Gross Annual Salary: $100,000
Federal Taxes of 12%: $12,000
State Taxes of 4%: $4,000
Social Security and Medicare of 7.65%: $6,382
$100k Per Year After Taxes is $76,350.
This would be your net annual salary after taxes.
To turn that back into an hourly wage, the assumption is working 2,080 hours.
$76,350 ÷ 2,080 hours = $36.71 per hour
After estimated taxes and FICA, you are netting $76350 per year, which is a whopping $23,650 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 $100000 income can range from $68,350 to $80,350 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 $100,000 income.
100k 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 $100,000 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 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 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, $100,000 a year is well above the median income of $40000 that you would find in the United States. Thus, you are able to live an upper-class lifestyle here in America.
What a $100,000 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.
Saving at least $10000 in a year.
You are able to afford a home in a great neighborhood in MCOL city and probably HCOL area.
You should be able easily meeting your expenses each and every month.
Saving at least 20% of your income each month.
Working to increase your savings percentage every year.
Able to afford vacations on a fairly regular basis; of course by using your vacation fund.
When A $100,000 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 100k a year is going to be pretty darn difficult.
Two factors will keep holding you back:
You must pay off debt and cut all fun spending until that happens.
Break the paycheck to paycheck cycle.
Live a lifestyle that you can afford.
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.
$100K 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 is left for fun spending.
If you want to know how to manage a 100k 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 $100000 a year salary:
Category
Ideal Percentages
Sample Monthly Budget
Giving
10%
$833
Savings
15-25%
$1683
Housing
20-30%
$2000
Utilities
4-7%
$229
Groceries
5-12%
$667
Clothing
1-4%
$33
Transportation
4-10%
$225
Medical
5-12%
$375
Life Insurance
1%
$21
Education
1-4%
$25
Personal
2-7%
$83
Recreation / Entertainment
3-8%
$188
Debts
0% – Goal
$0
Government Tax (including Income Taxes, Social Security & Medicare)
15-25%
$1971
Total Gross Income
$8,333
**In this budget, prioritization was given to savings, basic expenses, and no debt.
Is $100,000 a year a Good Salary?
As we stated earlier if you are able to make $100,000 a year, that is a good salary. You are making more money than the average American and slightly less on the bell curve on the median income.
You shouldn’t be questioning yourself if 100000 is a good salary.
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.
The good news is you are in the six figures club!
This $100k salary would be considered a upper-middle class salary. This salary is something that you can live on very comfortably.
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 91 percentile globally for per person income (source).
The question you need to ask yourself with your 100k 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, some expensive cities 100,000 a year is not a good salary because the cost of living is so high, whereas these are some of the cities that you can make a comfortable living at 100,000 per year. You probably need to make $200k a year.
If you are looking for a career change, you may want to look at is being your boss or starting a side business. Then, you can move towards seven figures.
Is 100k 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.
Your living expenses and ideal budget are much less. Thus, you can live extremely comfortably on $100000 per year.
And… most of us probably regret how much money wasted when we were single. Oh well, lesson learned.
Is 100k a good salary for a family?
Many of the same principles apply above on whether $100000 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 cost of raising a child born in 2015 is $233,610 (source). That is from birth to the age of 17 and this does not include college.
As you can tell this is a huge dent in your income, specifically $12,980 annually per child. If you make the decision to have children, then you need to be financially prepared for the impact on your finances.
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 $100,000 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 you want.
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 one party was making 100,000 per year and the other 55000 per year, then the combined income for the household would be $155,000. Thus making your combined salary an upper class income.
Learn how much money a family of 4 needs in each state.
Can you Live on $100000 Per Year?
As we outlined earlier in the post, $100,000 a year:
$48.08 Per Hour
$384-480 Per Day (depending on length of day worked)
$1923 Per Week
$3846 Per Biweekly
$8333 Per Month
You should be very grateful you are not living on $30000 a year anymore.
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 Oklahoma or even Texas.
In addition, if you are early in your career, starting out around 65,000 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 making $100K, 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…
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
The median annual pay for travel agents is $46,400, according to the Bureau of Labor Statistics most recent data.
Travel is a passion many people share, but not many people are fortunate enough to make their love of travel their full-time job. If someone is skilled at finding the best travel deals and building the perfect vacation itinerary, they may find that working as a travel agent is a rewarding way to earn a living.
To better understand what it’s like to work as a travel agent and how much they earn, keep reading.
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What Are Travel Agents?
Travel agents help their clients plan and book their trips. They may work for an individual client to plan their vacation or a corporate client to book their work travel. No two trips they manage are likely to be exactly the same, but they can help arrange everything from flights to hotels to excursions to dining reservations. Many travel agents can also give their clients access to deals through partner hotels and other travel vendors.
A travel agent can work independently. In-house at a large corporation, or for a major travel company. They may pursue this work full-time or as a side hustle. Given that a significant part of this career involves working with individuals to understand their travel aspirations and needs, it’s likely not a good job for antisocial people.
Travel agents can train in different ways: Some have a bachelor’s degree in an allied field or an associate’s degree in travel and tourism. There are many professional training programs and certifications available, such as ASTA, IATA, TIDS, and CLIA for different dimensions of travel planning.
As part of their work, travel agents may have the opportunity to visit various properties and destinations to make sure they would be a good fit for clients and learn about their selling points. This is often available at a reduced rate or for free and can be a major perk of working as a travel agent.
However, it’s worth noting that travel agents likely have to be available 24/7 and can deal with considerable stress, if, say, a client misses their flight or extreme weather ruins a vacation. 💡 Quick Tip: We love a good spreadsheet, but not everyone feels the same. An online budget planner can give you the same insight into your budgeting and spending at a glance, without the extra effort.
How Much Do Starting Travel Agents Make a Year?
If you’re wondering how much money a travel agent makes, the answer will depend a lot on how experienced the travel agent in question is. For example, entry-level travel agents can earn a lot less than more experienced agents. The lowest 10% of earners in this role make less than $29,650.
The highest 10% make more competitive pay north of $64,100. And there are those travel agents who work in the luxury sector who make considerably more.
Indeed, some could make an annual salary of $100,000 or more.
What is the Average Salary for a Travel Agent?
The Bureau of Labor Statistics reports that the latest median pay per year for travel agents is $46,400 and the median hourly pay is $22.31.
Alongside experience, location can majorly impact a travel agent’s earning potential. The following table illustrates how much a travel agent’s average salary can vary by state, arranged from highest to lowest. For example, in New York, travel agents make an average annual salary of $51,002, but in Arkansas, they earn almost $20,000 less at an average of $33,194.
What is the Average Travel Agent Salary by State for 2023
State
Annual Salary
Monthly Pay
Weekly Pay
Hourly Wage
New York
$51,002
$4,250
$980
$24.52
Pennsylvania
$46,702
$3,891
$898
$22.45
New Hampshire
$45,667
$3,805
$878
$21.96
New Jersey
$44,975
$3,747
$864
$21.62
Wyoming
$44,490
$3,707
$855
$21.39
Washington
$44,429
$3,702
$854
$21.36
Wisconsin
$44,110
$3,675
$848
$21.21
Massachusetts
$44,109
$3,675
$848
$21.21
Alaska
$43,993
$3,666
$846
$21.15
Oregon
$43,637
$3,636
$839
$20.98
Indiana
$43,568
$3,630
$837
$20.95
North Dakota
$43,557
$3,629
$837
$20.94
Hawaii
$42,711
$3,559
$821
$20.53
Arizona
$42,667
$3,555
$820
$20.51
New Mexico
$42,402
$3,533
$815
$20.39
Colorado
$42,122
$3,510
$810
$20.25
Minnesota
$42,111
$3,509
$809
$20.25
Montana
$42,024
$3,502
$808
$20.20
Nevada
$41,598
$3,466
$799
$20.00
Alabama
$41,499
$3,458
$798
$19.95
South Dakota
$41,167
$3,430
$791
$19.79
Vermont
$41,101
$3,425
$790
$19.76
Ohio
$41,077
$3,423
$789
$19.75
Rhode Island
$40,418
$3,368
$777
$19.43
Iowa
$39,934
$3,327
$767
$19.20
Delaware
$39,881
$3,323
$766
$19.17
Connecticut
$39,806
$3,317
$765
$19.14
Virginia
$39,419
$3,284
$758
$18.95
Mississippi
$39,257
$3,271
$754
$18.87
Tennessee
$39,219
$3,268
$754
$18.86
Utah
$39,017
$3,251
$750
$18.76
Illinois
$38,900
$3,241
$748
$18.70
Georgia
$38,659
$3,221
$743
$18.59
Maryland
$38,651
$3,220
$743
$18.58
California
$38,534
$3,211
$741
$18.53
Nebraska
$37,909
$3,159
$729
$18.23
Maine
$37,734
$3,144
$725
$18.14
Missouri
$37,456
$3,121
$720
$18.01
South Carolina
$37,087
$3,090
$713
$17.83
Kansas
$36,952
$3,079
$710
$17.77
Idaho
$36,789
$3,065
$707
$17.69
Louisiana
$36,765
$3,063
$707
$17.68
Oklahoma
$36,712
$3,059
$706
$17.65
Texas
$36,475
$3,039
$701
$17.54
North Carolina
$36,322
$3,026
$698
$17.46
West Virginia
$36,068
$3,005
$693
$17.34
Kentucky
$34,977
$2,914
$672
$16.82
Michigan
$34,895
$2,907
$671
$16.78
Florida
$34,212
$2,851
$657
$16.45
Arkansas
$33,194
$2,766
$638
$15.96
Source: ZipRecruiter
Travel Agent Job Considerations for Pay & Benefits
Working as a travel agent can be very flexible. While full-time positions are available in this role, some travel agents choose to work part-time or for themselves as entrepreneurs.
When working full-time for a travel advisory firm, travel agents can expect to gain access to benefits like health insurance and retirement contribution matching. If they work part-time or are self-employed, they will need to provide themselves with those benefits, which can eat into their take-home pay. 💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.
Pros and Cons of Travel Agent Salary
The main disadvantage of a travel agent’s salary is that the median annual salary is on the lower side at just $46,400. That being said, one of the main advantages of this salary is that it can come with hefty bonuses based on travel bookings with partners that offer commissions to travel agents. Also, travel agents often get discounts and freebies as they themselves travel to check out new resorts and attractions.
Travel agents who work for themselves can also choose to set their own rates and can potentially earn more. Or those who cater to high net-worth individuals may be able to raise their income.
Recommended: Work-from-Home Jobs for Retirees
The Takeaway
A travel agent who is super organized and passionate about travel can help make their client’s lives easier and their trips more enjoyable. In exchange for their savviness, some travel agents earn good salaries doing work that they truly enjoy and have perks that involve more travel at lower or no cost for their own purposes.
SoFi helps you stay on top of your finances.
FAQ
Can you make 100k a year as a travel agent?
While most travel agents don’t earn $100,000 per year, those who choose to work for themselves and set their own rates or cater to an elite clientele can possibly make six figures. Many travel agents work on commission, so they can also stand to earn more if their clients book a lot of expensive trips.
Do people like being a travel agent?
Many people like working as a travel agent because it’s a fun way to put their love of travel to use. It tends to be a good job for those who consider themselves to be a “people person” since there’s lots of interaction with clients. Also, it’s good for people who can “roll with the punches” since travel plans often change for various reasons.
Is it hard to get hired as a travel agent?
The demand for travel agents is on par with the average of other professions. So, while it’s not seeing a surge in need, there should be availability of jobs as a travel agent.
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Inside: r/personalfinance is full of popular subreddits with ideas on how to make money and save money or invest. Know best practices for Reddit personal finance and ways to learn from them.
Reddit is a popular online community where people can share content, ask questions, and comment on news articles and topics. One of the most popular sections for personal finance discussions is /r/personalfinance.
Here are some of the best posts from that section:
“How has your finances changed post-graduation?”
“I was able to pay off my student loans as well as move back into my parents’ house without any difficulty.”
“My financial situation isn’t too bad right now, but I worry about the future.”
Reddit has some great threads that cover personal finance topics.
This blog post will give you a list of the top 25 Reddit Personal Finance Threads, letting you know which ones to check out next time you want to learn more about personal finances.
I created this list because there are very few resources that point to real people with real stories they want to share.
Our site is jammed packed with information on how to succeed with money. You may be looking for more specific personal finance information.
Also, you can find very specific information on r/personalfinance like how to save money when you’re starting off your career or trying to figure out how much it costs for certain things in life like specific college tuition, where rent costs vary, and so forth.
In addition, it includes some of the most popular and insightful posts on this website.
Hopefully, this will help you learn about all aspects of personal finance so that you can start managing money and reach financial independence today!
Why use Reddit Personal Finance?
There are many reasons to use Reddit Personal Finance.
Some people use it as a resource for their own personal finance, while others may be using it in order to plan out what they want to do with their finances.
Reddit Personal Finance is a community of people who share their experiences and tips on personal finance.
Users can post questions, browse the subreddit’s popular posts, or find new content in the “new” tab. Reddit Personal Finance also has a directory of personal finance resources and tools that you can use to better your finances.
The personal finance subreddit is thriving, and it’s only going to get bigger. With over 15 million subscribers in 2022, the community has a lot of content to explore. Plus almost half of users are online at any time to answer questions.
It can be hard enough to find your way around this vast platform but by following these 15 threads you will soon have no problem navigating Reddit Personal Finance with ease!
Positives of Personal Finance Subreddits
The internet is a place to share information and connect with others. One of the best ways to do this is through various social media platforms such as Reddit.
The following are some of the benefits of using personal finance subreddits.
Find out about new financial trends and learn about the best ways to invest your money
Get advice on how to manage your finances and make smart financial decisions
Be a part of the community and have a chance to grow your own knowledge
Learn about new products, services, and companies that could help you with your finances
Get advice on how to invest your money.
Grow your personal finance knowledge to help you reach your goals faster.
If you’re looking for a place to find some personal finance-related content, Reddit offers many subreddits that are all about these topics.
Some of the posts offer objective and helpful information while others can be subjective and relatable in person.
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.
Reddit Basics
Before getting completely lost in Reddit, here are some important things you need to know.
For me, I quit using Reddit because I got overwhelmed and couldn’t find what I needed quickly enough. Thus, here is the lingo that will help you succeed.
Subreddit: A popular place to find information is on the subreddit; for example: “r/personalfinance”.
Upvote / Downvote: Users can upvote or downvote a comment. Reddit gives the comment a “score,” which is the number of upvotes minus the number of downvotes.
Karma: Other users can upvote or downvote your posts and comments; these tally to your “karma.” When providing helpful comments and posts, then they will reflect a higher karma score.
OP: Original Poster.
AMA: Ask Me Anything. An online Q&A session hosted by Reddit’s community in which some guest (normally famous) is or are available for questions
EDIT and ETA: Edit and Edited. A simple way for a user to denote the added to their original comment.
TL;DR: Too Long; Didn’t Read. This is added at the end of long text posts or comments to quickly summarize an article or comment as being too long to read. Sometimes, people use it to summarize the main point in case you don’t want to read the entire thing.
Top 5 Reddits Personal Finance
These are the most popular subreddits for personal finance. They have the most followers and daily interactions.
Does it mean they are the most important? No, there are plenty of subreddits to read regarding personal finances. (Don’t worry… we have a list of them below!)
R/PersonalFinance
R/PersonalFinance is a subreddit that focuses on personal finance.
This is the most popular community related to personal finances.
R/PersonalFinance is a subreddit for personal finance discussions, such as investing, budgeting, and saving money.
The subreddit’s community primarily consists of people who are just starting out with personal finance and those who are struggling to make ends meet as well as plenty of people who are ready to give back and help others.
Followers: 17.6m Members (as of April 2023)
Top Post: You are not “family” to your employer.
r/wallstreetbets
r/wallstreetbets is a subreddit that discusses the world of Wall Street, and how it impacts current events in financial markets. The subreddit’s name is a reference to the popular trading platform Wall Street.
Wall Street bets are financial wagers known for moving so-called “meme” stocks. Also, they are known to move stocks quickly in one direction to force hedge funds to cover their short sales, such as GME or AMC.
People in this community may win big and lose big since they are gambling on the information. You need to learn the meaning of YOLO.
Followers: 13.8m Members (as of April 2023)
Top Post: Times Square right now
r/bitcoin
The subreddit r/bitcoin is a popular Bitcoin news, discussion, and information site. The subreddit is one of the most active on Reddit with over 3 million subscribers.
As it is a digital means of payment, Bitcoin can resist wild rises in inflation and unfair banking practices because people are the ones who control their power and money. That is the belief of this community.
Followers: 4.9m Members (as of April 2023)
Top Post: It’s official! 1 Bitcoin = $10,000 USD
r/stocks
r/stocks is a subreddit in which people discuss the stock market, share trading strategies, and ask questions related to the stock market. There are no rules on r/stocks; users can post links to articles, ask questions, or share their own thoughts on the stock market.
Posts related to reddit stocks are welcome on /r/stocks, but read the rules first. Feel free to share a ticker everyone should know about.
Followers: 5.3m Members (as of April 2023)
Top Post: Companies try to prevent people from trading GME and AMCDiscussion
As you can tell, most of the popular Reddit topics are related to making money through stocks or cryptocurrency.
Is that a bad thing? No.
Just remember… You can learn to fish or you can be fed by others. Personally, I think it is best to learn how to fish and find your own way to make money with stocks and cryptocurrency.
Must Read:
The Next Best 21 Personal Finance Subreddits
The purpose of any of these subreddits is to provide an online community where people can discuss their finances in a respectful, non-judgmental, and anonymous environment.
We will cover the best personal finance Reddit forums that offer advice that can help people at all levels of their finances with tips ranging from simple ones such as grocery shopping without checking receipts and getting discounts by using apps to more complicated ones like how to save up for a vacation.
This list is not limited to just Reddit threads.
Here is a collection of the top 22 personal finance subreddits on Reddit:
R/Frugal
R/Frugal is a subreddit on Reddit.com that focuses on frugality and the concept of living life with less money. Also, the community is made up of individuals who are interested in living a lifestyle of less spending and more saving.
Frugality takes mental preparation of all your resources including time, money, convenience, and any other desired things.
Followers: 2.9m Members (as of April 2023)
Top Post: I got bids from tile setters to do a backsplash for $2000. I ended up doing it myself for under $200.
R/investing
Reddit’s r/investing is a subreddit dedicated to the stock market. It has more than 2.0 million subscribers and provides information on stocks, investing strategies, and other related topics.
Investing is the process of putting money into assets in the hope that they will increase in value. Sometimes investments are made by professionals, but most often, people invest for themselves and their families.
If you are looking for advice on investing, r/investing is the place to go. With nearly 2 million readers and growing, there is a lot of information here that can help people make better financial decisions.
Followers: 2.2m Members (as of April 2023)
Top Post: Robinhood and other brokers literally blocking purchase of $GME, $NOK, $BB, $AMC; allow sells
R/Shoestring
A discussion community focusing on travel and cheap options for traveling, whether through couchsurfing, camping, staying in hotels or hostels.
Discuss topics such as booking last-minute plane tickets, cheap destinations, budget transportation like hitchhiking or staying in Airbnbs. Learn the benefits of these different methods of travel.
Wanting to travel on a shoestring budget is a real gig!
Followers: 2.0m Members (as of April 2023)
Top Post: I worked roughly 10 hours a week at an Airbnb in exchange for housing and amenities.
R/realestateinvesting
Real estate investing is the process of buying a property with the intention of renting it out or flipping it for profit. The term applies to any real estate investment but typically refers to residential properties that are bought and sold.
Real Estate Investing is a popular topic on Reddit. It covers the types of investments, such as flipping houses to investing in commercial real estate, or even wholesaling.
Followers: 1.7m Members (as of April 2023)
Top Post: Today, at the age of 28, I became a millionaire
R/Financialindependence
The r/financialindependence subreddit is a good place to find people who are working towards financial independence.
This is a place where people who are or want to become financially independent, which means not working for money can meet one another.
Having money affirmations are a huge part of the motivation for those in the FI movement.
Followers: 1.9m Members (as of April 2023)
Top Post: Just Crossed 100K Net Worth Living in NY
r/PersonalFinanceCanada
r/PersonalFinanceCanada is a subreddit that is dedicated to Canadian personal finance and investing topics. The Reddit personal finance Canada community has over 600,000 subscribers who share questions, experiences, advice, and more.
This is great for country-specific financial issues.
Followers: 1.2m Members (as of April 2023)
Top Post: Bullet Dodged- First Time Home Buyers Be Ware.
r/UKPersonalFinance
The subreddit r/UKPersonalFinance is a place for people to share their personal finance experiences with others. The subreddit was created by two UK-based users in 2013 and originally had about 200 subscribers. It now has more than 500,000 subscribers and is one of the most popular finance-related subreddits on Reddit.
Learn, discuss, and request help on how to get access to, budget for, protect your money from, save and invest your money in the UK.
Followers: 1.0m Members (as of April 2023)
Top Post: Financial Reality Check
R/CreditCards
R/CreditCards is a subreddit dedicated to the discussion of credit cards, credit and debit cards, prepaid cards, banks, loans, etc.
In addition to the standard trading of information on pricing and terms, Reddit users can also post links to other websites that offer credit card offers.
Followers: 1.2m Members (as of April 2023)
Top Post: Do not do this, if you want your credit card to remain open
r/finance
R/Finance is a subreddit on Reddit that focuses on personal finance. The sub has more than 20,000 subscribers and receives more than 100,000 views per day.
All questions must be asked in the Monday Morning catch-all threads.
Followers: 1.8m Members (as of April 2023)
Top Post: Bipartisan bill would ban lawmakers from buying, selling stocks
r/budgetfood
The subreddit r/budgetfood is dedicated to discussing and sharing the best cheap food ideas. It has a strong focus on coming up with recipes that are both nutritious and easy to make.
Find great tips to stretch your grocery budget.
Followers: 1.2m Members (as of April 2023)
Top Post: Sesame “chicken,” but with cauliflower
r/FinancialPlanning
A subreddit to discuss and ask questions about personal finances, budgeting, investments, and insurance of people’s portfolios.
Followers: 581k Members (as of April 2023)
Top Post: Dad Level – Expert
R/leanfire
R/leanfire is a subreddit for posts about lean startup, business, and marketing. The name of the subreddit comes from the lean startup methodology philosophy which has been popularized by Eric Ries and Steve Blank, who are both cited as the founders of the lean startup movement.
R/Leanfire is a subreddit for those who are trying to achieve the type of success that qualifies you as financially independent. It’s not an easy task, but it can be done with hard work and determination.
Followers: 260k Members (as of April 2023)
Top Post: Just paid off my house
R/passive_income
Reddit has a subreddit that is dedicated to the topic of passive income. This includes things like side-hustles and other ways to make money without having to work for it.
The passive income community on Reddit discusses how they can make money. They post their experiences and give advice to other members of the community about making passive income. This is great for finding more ways to make money.
Followers: 322k Members (as of April 2023)
Top Post: I’m sure this means passive income. But can someone explain it. I don’t get it.
R/FIRE
R/FIRE is a subreddit that focuses on the topic of financial independence retire early.
For financial independence retire early movement has become popular over the past 5-10 years.
This is not just a community, but a place to discuss Financial Independence Retiring Early (FIRE) by fighting for financial freedom and controlling your destiny.
Followers: 263k Members (as of April 2023)
Top Post: Don’t be discouraged by young people who seem to be doing way better than you.
R/StudentLoans
R/StudentLoans is a subreddit dedicated to financial aid advice and discussion.
Some people are having trouble with student loans and they may be asking for advice. Here is some information on how to pay off your loan, as well as make mistakes that could lead to fees or interest added onto the balance of a loan.
Followers: 281k Members (as of April 2023)
Top Post: Biden to extend waivers another nine months
R/Bogleheads
The subreddit R/Bogleheads is a community for people who follow Jack Bogle’s simple investing methods to diversify and let compounding grow wealth. They share common interests and discuss topics such as the US financial system, taxation, Social Security, and retirement.
Perfect community for the passive investor.
Followers: 241k Members (as of April 2023)
Top Post: I started investing in my 401k 25 years ago this week. Hit a milestone today.
R/sidehustle
The term, “side hustle”, is a movement in recent years. Side Hustlers are people who would like to supplement their income by doing activities that they enjoy outside of work or school. In this community, start a small business or non-professional activity that you do in your spare time to supplement your income.
Followers: 412k Members (as of April 2023)
Top Post: Strange Side Hustle – I resell Bras full time on Amazon. AMA
R/money
r/money is primarily composed of people discussing personal finance topics such as stocks, investing, taxes, and personal finance.
Consequently, this smaller subreddit will help you get real advice and not lots of random opinions.
Followers: 89.9k Members (as of April 2023)
Top Post: New r/money subreddit icon?
Reddit Personal Finance Flowchart
The flowchart below describes the general process of saving for a goal. The user has to consider how much money they can allocate each month, and then determine how long it will take them to save for their goal.
This is a very similar concept to a personal financial statement.
You must consider how much you want to save each month, as well.
Find the Reddit personal finance flowchart.
In addition, the simplicity of the flowchart will be surprising.
Must Read: Money Bliss Steps to Financial Freedom
Reddit Personal Finance FAQ
Avoiding Reddit may be hard, but it is possible to avoid the more toxic parts of this site. There are a few key things to keep in mind that will help you avoid the worst of Reddit.
Avoid #1 – Posting Personal Information
The best practice is to avoid posting personal information. As such, your information may be used against you. Reddit is a social media website with different spheres of interest.
In order to avoid appearing disingenuous, it is best not to ask for upvotes or downvotes on posts.
Avoid #2 – Breaking the Thread Rules
The website has its own set of rules which every user should be familiar with before posting anything on the website. Reddit is known for its open dialogue, where members are encouraged to discuss a variety of topics from politics to technology.
However, people frown upon breaking the community rules.
Getting kicked out of many Reddit forums for not following the community rules is a possibility.
Avoid #3 – Be Careful on Opinions
The popular, winning opinions on Reddit are often biased and not based on facts. One example is the “What’s your favorite type of cheese” thread. In the end, it was a wildly popular opinion and later debunked by science.
One way to avoid these posts is by following an established Redditor with a solid reputation who has shown their ability to discuss topics like investing or personal finance without being judgmental or overly emotional about it.
Always do your own research to back up anything you may have learned on a r/personalfinance thread.
Reddit Personal Finance Windfall of Information
It is difficult to save money and track your finances because there is so much information coming at you.
There is no one likable than a hero in the story of personal finance, but what if you could be that hero?
These Reddit Personal Finance Threads are a great way for beginner investors or people just starting out on their own journey to learn about the different aspects of personal finance.
Also, there are helpful for veterans trying to keep up with all those new financial technologies over the years.
The best 25 Reddit Personal Finance Threads include some interesting posts on the topic from different perspectives like stocks, earning more money through certain professions, making your first million dollars, etc.
Thus, giving you plenty of insightful tips for success in life and finances!
After reading this Reddit personal finance article, make sure to subscribe for more Money Bliss tips.
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.
As an Amazon Associate and member of other affiliate programs, I earn from qualifying purchases.
This is the perfect side hustle if you don’t have much time, experience, or money.
Many earn over $10,000 in a year selling printables on Etsy. Learn how to get started by watching this free workshop.
Are you passionate about words and reading?
If so, proofreading could be a perfect fit for you, just like it’s been for countless of readers! Learn how you can create a freelance business as a proofreader.
Check out this free workshop!
If you’ve ever wanted to make a full-time income while working from home, you’re in the right place!
This intensive training combines thousands of hours of research, years of experience in growing a virtual assistant business, and the power of a coach who has helped thousands of students launch and grow their own business from scratch.
Bookkeeping is the most stable, reliable & simple business to own. This is how to make a realistic income -either part-time or full-time.
Find out TODAY if this is THE business you’ve been looking for.
You can make money as a freelance writer. Learn techniques to find those jobs and earn the kind of money you deserve! Plus get tips to land your first freelance writing gig!
Learn how to buy and resell items from flea markets, thrift stores and yard sales. They will teach you how to create a profitable reselling business quickly
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Designed as a 101-level course on freight brokerage, you’ll learn the basics of freight brokering in this online course.
This course is designed for freight brokers in any setting, regardless of their employment status.
If you want to start your brokerage, we’ll show you exactly how to do it. If you are an agent or employee of a brokerage, we’ll take you through sales and operations modules designed to help you source more leads and move more freight.
The Empowered Business Lab teaches you how to sell your digital products naturally with strategies that just make sense.
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After taking a second job as a driver for Amazon to make ends meet, this former teacher pivoted to be a successful stock trader.
Leaving behind the stress of teaching, now he sets his own schedule and makes more money than he ever imagined. He grew his account from $500 to $38000 in 8 months.
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Know someone else that needs this, too? Then, please share!!
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More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Are you looking for the best low stress jobs? If you currently dread going to work and are looking for something new, here’s where to start. If your current job is too stressful, you may be thinking about switching to something less intense. Lots of jobs pay well without making you feel anxious or burned…
Are you looking for the best low stress jobs? If you currently dread going to work and are looking for something new, here’s where to start.
If your current job is too stressful, you may be thinking about switching to something less intense. Lots of jobs pay well without making you feel anxious or burned out all the time.
Whether you’re making online content, helping people get fit as a personal trainer, or organizing medical records, there are many options for a job that helps you stay calm and relaxed.
Recommended reading: 40 Best Jobs Where You Work Alone
Best Low Stress Jobs
There are many low stress jobs listed below. If you want to skip the list, here are some jobs that you may want to start learning more about first:
Below are the best low stress jobs.
Note: While these jobs are low stress for some, they may not be for all. There may be a certain aspect of it that may make it low stress for you, such as being able to work alone, being able to work from home, having a flexible schedule, or doing something that you enjoy. But, nearly all jobs have some sort of stress that is a part of the job, so that is something to keep in mind. And, that doesn’t mean that these jobs are easy. Many of the jobs below are still quite difficult, requiring schooling (even getting your doctorate degree!) and hard work.
1. Blogger
If you enjoy writing and sharing ideas, becoming a blogger might be the perfect low stress job for you.
As a blogger, you have the freedom to create content on topics that interest you. Whether it’s personal finance, cooking, travel, tech, or any hobby, your blog is a space to express yourself.
I started my blog, Making Sense of Cents, in 2011 without much planning. I just wanted to talk about my own experiences with money. Surprisingly, since then, I’ve made over $5,000,000 from it. And now, blogging is my main job!
I really enjoy being able to blog full-time, and it’s much less stressful than the previous day job I had. But, it is still running my own business, so there are other stresses that come along with that, of course.
But, there are many positives as well! I can work alone, I get to make my own schedule, I am my own boss, I get to do the work that I choose to do, and I can work from home. I have an amazing work-life balance, and I wouldn’t trade this job for anything else.
So, what’s a blog? Well, it’s like what you’re reading now – it’s writing on a website. You can write a blog about something you really like, something you know a lot about, or even something you want to learn more about. People like to read blogs because they get to follow along with someone’s real experiences and journeys!
You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).
2. Sell printables
Selling digital printables online is a great way to work from home with less stress and make money.
Creating printables can be a less stressful job because you only need to make one digital file for each product, and then you can sell it many times. It’s also not expensive to start because all you need is a laptop or computer and an internet connection.
Plus, you can do all of this from home and on your own time.
Printables are things you can get on the internet and print at home. They could be games for a bridal shower, lists for groceries, planners for managing money, invites for events, quotes you can hang on your wall, or designs you can use for crafting.
I recommend signing up for Free Training: How To Earn Money Selling Printables. This free workshop will give you ideas on what types of printables you can sell, how to get started, the costs of starting a printables business, and how to make money.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
3. Bookkeeper
Bookkeepers handle money matters for businesses, and they write down sales, keep track of expenses, and create financial reports.
This job allows you to work independently, earning a typical salary of $40,000 or more each year. You’ll mainly work with numbers instead of interacting with people.
Many bookkeepers like their jobs because they work regular hours and don’t have as much pressure as some other jobs.
You don’t need a college degree to start as a bookkeeper either. This is something that you can learn to get started, as there are no education requirements.
You can join the free workshop that focuses on finding virtual bookkeeping jobs and how to begin your own freelance bookkeeping business by signing up for free here.
Recommended reading: How To Find Online Bookkeeping Jobs
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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.
4. Proofreader
If you already enjoy reading articles or books and spotting errors, then you may find this job interesting.
A proofreader’s main task is to read content and look for mistakes in spelling, grammar, and punctuation. They’re the last line of defense, ensuring that everything reads perfectly before it goes out into the world. Many proofreaders enjoy the flexibility this job has, as they can often set their own hours and work from where they feel most comfortable.
Many writers, website owners, and students hire proofreaders to improve their work. There’s a big demand for proofreaders, and you can find jobs on different sites.
Even the best writers can make errors in grammar, punctuation, and spelling. That’s why hiring a proofreader can be extremely helpful for almost everyone.
In fact, I have a proofreader for my blog. Even though I write all day long, I know that it is very important to have a proofreader go through everything that I write.
If you want to become a proofreader, I recommend joining this free 76-minute workshop focused on proofreading. In this workshop, you’ll learn how to begin your own freelance proofreading business.
Recommended reading: 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).
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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
5. Transcriptionist
Transcriptionists listen to recordings and type out what they hear.
Becoming a transcriptionist is a low stress job if you’re looking for flexibility in terms of work schedules and the comfort of working from your own space.
Online transcriptionists typically earn between $15 to $30 per hour on average, with new transcribers usually starting at the lower end of that range.
A helpful free training to take is Free Workshop: Is a Career in Transcription Right for You? You’ll learn how to get started as a transcriptionist, how you can find transcription work, and more.
Recommended reading: 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
6. Software developer
A software developer is a person who designs, creates, tests, and keeps up software applications, systems, and programs. They’re good at programming languages and frameworks, using their skills to make solutions that meet specific needs or solve problems.
Software developers work in different fields like technology, finance, healthcare, and entertainment. They work with other team members like designers, engineers, and project managers to finish software projects well and meet the needs of users.
I know many software developers who enjoy what they do. While it is a hard job, many of them are able to work from home, travel whenever they want, and they tend to enjoy solving complex technical issues.
Other less stressful jobs in a related field include becoming a computer systems analyst, software architect, computer hardware engineer, and web developer. For these jobs, you may need a bachelor’s degree in software engineering, computer science, or a related field.
7. Massage therapist
If you’re looking for a stress-free job that lets you help others, think about being a massage therapist. Massage therapists use their hands to ease pain, help people relax, and help people feel less stressed.
Massage therapy might be a little less stressful for you because the atmosphere at work is usually calm (after all, that’s why people are going there – to relax!), and you don’t bring work home with you (so, no late night phone calls from clients!).
Massage therapists usually work in places like spas, wellness centers, or chiropractic clinics. Some may also have their own private businesses or have mobile services, which lets them have a more flexible schedule and be their own boss.
To become a massage therapist, you will need to go to school for massage therapy and pass a state exam. This typically takes around 6 months to 2 years to complete (it depends on the state you live in).
8. Personal trainer
Personal trainers help people with their fitness and being more healthy, which can mean creating workout plans, motivating them to work out, or showing the right way to lift weights.
Personal trainers work in a gym, hospital, or even go solo as a freelancer.
This job has some flexibility, which is something that many personal trainers like. You get to choose who you train, where you work, and when you have sessions. Plus, you’re not stuck at a desk all day, which keeps things fresh and fun.
9. Dental hygienist
Dental hygienists clean teeth, check for things like cavities or gum disease, and teach patients the best ways to brush and floss.
You can start this career with an associate’s degree, which usually takes about two years to finish. Plus, you may be able to make over $75,000 a year as a dental hygienist.
10. Medical records technician
If you’re in the job search for low stress jobs in healthcare, then becoming a medical records technician may be for you.
Medical records technicians handle health information data, and they make sure that all the records (both electronic health records and paper files), such as patient history, test results, and treatments, are accurate, accessible, and secure.
It’s low stress because, unlike some roles in medicine, you won’t be on the front lines dealing with emergencies. Your work environment is typically calm, allowing you to focus on your tasks without the pressure of patient care.
To become a medical records technician, you typically only need a high school diploma, but some employers may want to see a certificate related to the field or higher education.
11. Optometrist
An optometrist is an eye doctor who helps people see better. They check your eyes, find out if you need glasses, and help keep your eyes healthy.
You may like being an eye doctor because:
You usually work regular hours. People don’t typically have optometrist emergencies.
The pay is great.
It’s usually a relatively calm job.
Plus, according to the Bureau of Labor Statistics, the median salary for optometrists is over $125,000 a year, and there is expected to be a 9% job growth outlook over the next decade.
12. Physicist
Physicists study the laws and principles that govern the universe, like gravity and motion, and how they apply to everyday life.
Most physicists work in research and development. Some work in offices, while others spend time in laboratories. There are also those who teach at universities.
The job comes with a reasonable stress level, as physicists frequently engage in deep thinking rather than dealing with tight deadlines or high-stress situations, and they typically conduct research. This can make for a fulfilling and low-pressure work environment if you enjoy physics.
To be a physicist, you will likely need a Ph.D. That means a lot of school, but it’s worth it if you love science and discovery.
13. Statistician
Being a statistician might be a perfect choice for your career if you love numbers and data.
Statisticians analyze data and identify patterns, such as by taking a bunch of numbers and turning them into useful information that companies can use to make decisions. Statisticians also might collect data from surveys and experiments.
Statisticians usually have pretty regular hours and it’s normally a quiet place to work, so you can focus just on your tasks without a bunch of noise. Plus, it’s not a job that is typically rushed, so you can take your time.
14. Mathematician
If you love numbers and problems that make you think, a related field to the above may be becoming a mathematician.
Mathematicians use mathematics to unravel patterns and address significant questions.
Mathematicians are needed in many different fields like academia, government, finance, and technology.
In academia, they work as professors and researchers, studying both theoretical and practical math ideas. Government agencies like NASA and the NSA hire mathematicians for jobs like exploring space and analyzing statistics. Financial companies hire mathematicians to make algorithms for things like evaluating risk, pricing items, and creating trading strategies. Also, big tech companies like Google and Microsoft use mathematicians to develop algorithms and analyze data.
15. Librarian
Becoming a librarian is a great job for someone who likes quiet places and books.
Being a librarian is not just about checking out books. It’s a role that’s all about helping people find information and enjoy reading.
Your main job as a librarian would be to help people find the books or online resources they need. You also get to put together fun programs, like story time for kids or book clubs. Keeping the library in tip-top shape is part of your work too, like putting books back on the shelves, managing schedules for employees and volunteers, and making sure everything is where it belongs.
Libraries are usually calm and quiet, which can make it stress-free for you. This makes your workplace quite relaxing, which is great if loud and busy spots make you feel stressed. Plus, you get to have a regular schedule.
Most librarian jobs need a bachelor’s degree at the minimum and sometimes, you will most likely need a master’s degree in library science (MLS) from an accredited program.
Librarians work in many places, such as public libraries, schools, law firms, universities, and more.
16. Orthodontist
One of the best high-paying jobs for people who don’t like stress is becoming an orthodontist.
An orthodontist is a specialized dentist who focuses on fixing teeth and jaw alignment problems. They help patients get straighter smiles and better oral health using treatments like braces, clear aligners, and retainers.
Orthodontists get extra training after dental school to become experts in diagnosing and treating issues like misaligned bites and other dental problems.
By carefully checking each patient, orthodontists make personalized plans to straighten teeth properly, leading to better-looking smiles and improved function of the teeth and jaws.
Being an orthodontist can be pretty low stress since they usually have a set schedule, seeing patients for regular appointments instead of dealing with sudden dental emergencies.
17. Groundskeeper/gardener
Becoming a groundskeeper or a gardener could be a great fit for you if you like being outside and want a stress-free job. You get to work with plants and make outdoor spaces look beautiful. This job is perfect if you’re looking for something that lets you enjoy fresh air and doesn’t have you sitting at a desk all day.
Here are some things that a groundskeeper or gardener may do:
Take care of plants and grass by watering, weeding, and trimming.
Make sure gardens look neat and are healthy.
Sometimes work with tools and machines, like lawn mowers and trimmers.
Shovel snow or take care of indoor plants.
This is one of the best low stress jobs because it is usually quiet, which makes it great for people who get overwhelmed by noisy places.
Recommended reading: 15 Outdoor Jobs For People Who Love Being Outside
18. Audiologist
Audiologists help people with their hearing, and this includes testing hearing, picking out hearing aids, and teaching people how to use them.
This is typically a low stress career choice because you get to work in an office and do similar tasks each day. You are not usually rushing around, instead you have a lot of calm one-on-one time with patients.
Audiologists work in different places like hospitals, clinics, private practices, schools, and research institutions.
19. Pet sitter
Becoming a pet sitter is a great job if you like animals and enjoy caring for them. This is a job that doesn’t typically have a lot of stress because it is not fast-paced. Plus, if you like pets, then you probably enjoy being around them, which can make the job fun.
A pet sitter’s main job is to look after pets while their owners are away. This might mean feeding them, giving them water, and playing with them. It’s important to make sure the pet feels happy and safe when their owner isn’t home.
You might have pets come to your home, or you can go to their owners’ place (this is something that is agreed upon beforehand). Dog walkers typically earn around $20 for every hour they spend walking a dog. Taking care of someone’s pet overnight can earn a person around $25 to $100 or even more each day.
I have used many pet sitters over the years for my dogs, and they all seemed to love what they do. Plus, my mother-in-law is a pet sitter as well, and she enjoys her time with the dogs that she takes care of.
20. Stock photo photographer
Stock photo photographers take photos of things like people, businesses, animals, and more, and sell them for other people to use.
Stock image sites are some of the most popular platforms for photographers to sell their pictures. These websites allow customers to purchase images for purposes such as websites, TV shows, books, and social media accounts. You can take a look at some of the stock photos I’ve purchased within this blog post as examples.
Stock photo photographers typically work by themselves, and this job can be done without much interaction with others. Most of the tasks involve using a camera and then uploading photos to a website.
As a stock picture photographer, you get to set your own schedule. This means you can choose when and where you work.
One great thing about stock photo sites is that they can be a great form of passive income. You can take pictures, upload them, and continue to earn money from those photos for months or even years into the future. Since everything is online and mostly automated, there’s no need to talk with anyone directly.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
21. Freelance writer
Freelance writers create content for clients, including blog posts, advertising materials, and more.
It’s common for freelance writers to work independently, receiving topics from clients and submitting their completed work. Occasionally, they may receive feedback, such as suggestions for improvement, but this is usually the extent of human interaction they’ll have.
This is one of the best low stress jobs from home where you work alone.
I have been a freelance writer for many years and I enjoy this job a lot. I get to work from home, make my own hours, work alone, and choose the topics that I write about.
Recommended reading: 14 Places To Find Freelance Writing Jobs As A Beginner
22. Graphic designer
A graphic designer is someone who creates designs for individuals and businesses.
They create things such as images, printables, planners, T-shirt designs, calendars, business cards, social media graphics, stickers, logos, and more.
Graphic designers tend to have the freedom to set their own schedules, especially if they work as a freelancer. This job allows you to work at your own pace, and most of the time, you don’t have to deal with rush hour traffic or crowds since a lot of graphic designers can work from home.
23. Hairstylist
We’ve all been to a hairstylist, so I don’t think I need to describe this job too, too much. Hairstylists cut, style, and take care of hair.
Hair styling is lower stress because you work with clients in a relaxed setting. Also, you don’t have to sit at a desk all day – you move around and talk with people.
Plus, you can set up your day the way you like it. If you want, you can take breaks between clients. This means you won’t feel rushed and can enjoy your work more.
24. Social media manager
Social media managers engage with people online and share news, pictures, and videos on behalf of a company.
You may find this to be a low stress job because you mostly type on a computer or phone as a social media manager. So, if talking in front of people makes you nervous, this could be the perfect job. Plus, you can often work from home.
25. Virtual assistant
One of my first side gigs was working as a virtual assistant, and it was both enjoyable and flexible for earning income.
While you have a boss as a VA, many of the tasks you handle will require you to take the lead and complete them independently, usually from your own home.
A virtual assistant is someone who assists people with office tasks remotely, whether from home or while traveling. This could involve tasks such as responding to emails, scheduling appointments, and managing social media accounts.
Recommended reading: Best Ways To Find Virtual Assistant Jobs
26. Litter cleanup worker
This is one of the least stressful jobs.
If you have a business, it’s important to keep it clean and neat. No one likes seeing trash scattered about when they’re shopping, correct?
That’s why some business owners pay someone to tidy up before their business opens. A clean space makes the place look inviting and pleasant for customers.
This low stress job without a degree can be started all by yourself, and you can earn around $30 to $50 for every hour you work. It’s quite straightforward too. All you’ll need is a broom, a dustpan, and some tools to help you pick up litter more easily.
People like this job because they can work alone and it’s easy to clean an area up.
Recommended reading: How I Started A $650,000 Per Year Litter Cleanup Business
27. Economist
Economists examine how goods and services are made, shared, and used within an economy. They use different tools, like math and stats, to grasp and predict economic patterns and actions.
Economists might work for the government, giving advice to policymakers on things like money policies and taxes. They also help businesses by explaining market trends, so they can make good decisions about prices, production, and investments.
A somewhat related field to this would be becoming an economics professor.
28. Astronomer
Astronomers study objects and events in space beyond Earth’s atmosphere, like stars, planets, galaxies, and cosmic happenings such as black holes and supernovas.
They use a mix of observations, data analysis, and theoretical models to learn about the origins, changes, and behaviors of these objects. Astronomers usually use advanced telescopes, both on the ground and in space, to observe and gather data from far-off parts of the universe.
They also work with physicists, mathematicians, and engineers to create new technologies and tools for exploring space. Through their work, astronomers help us understand big questions about the universe, like how old it is, what it’s made of, and what will happen to it in the future.
Unlike many jobs, being an astronomer means regular hours with few surprises. Plus, the quiet of a lab or observatory is perfect for staying focused and calm.
29. Actuary
Actuaries assess and handle financial risks by using math and stats to analyze data and forecast future events.
They mainly work for insurance companies, pension funds, and financial consulting firms. Actuaries examine how likely events like death, illness, accidents, and natural disasters are to happen, and what impact they could have on insurance policies and pension plans.
Based on their analysis, they help create insurance policies, decide on premiums, and suggest investment plans to make sure these financial products stay stable and have enough coverage for customers.
If you enjoy numbers and are looking for a job that’s pretty easy on stress, becoming an actuary could be a smart move. Actuaries help businesses look into the future and protect against loss.
30. Radiologist
If you’re interested in a career in the medical field that is both high-paying and considered to have lower stress, you might want to think about becoming a radiologist.
Radiologists specialize in diagnosing and treating diseases and injuries using medical imaging techniques like X-rays, CT scans, MRI scans, ultrasound, and nuclear medicine. They analyze images to find any abnormalities and give detailed reports to other doctors, helping with patient diagnosis and treatment plans.
Radiologists work closely with other healthcare professionals to make sure they understand the imaging results and can provide the best care for patients.
31. Data entry clerk
Data entry is one of the easiest low stress jobs without a degree needed.
Data entry clerks input, edit, and verify data in databases or spreadsheets. They enter details like numbers and names into computers to maintain organization and records.
This job can often be done remotely and independently, with little supervision or interaction with customers. For some people, this is key to having a stress-free job, and I completely get it – this is what I want as well!
Data entry positions generally pay around $15 to $20 per hour.
Recommended reading: 15 Places To Find Data Entry Jobs From Home
32. Yoga instructor
If you love helping others relax and stay fit, being a yoga instructor could be the perfect job for you if you want to find fun low stress jobs.
Yoga instructors lead classes and sessions in practicing yoga, a holistic discipline involving physical postures, breathing exercises, relaxation techniques, and meditation.
They help students through different yoga poses, focusing on correct alignment, breath control, and mindfulness. Yoga instructors create a welcoming environment where students of all levels can explore and improve their practice.
33. Dietitian
A dietitian talks to clients about their eating habits and helps figure out the best way to eat healthy.
Being a dietitian is usually not too stressful. You get to chat with people one-on-one or in small groups. You don’t have to rush around or handle dangerous equipment.
They can work in places such as hospitals, clinics, schools, community health centers, and food service establishments.
Frequently Asked Questions
Below are answers to common questions about how to find low stress jobs.
What’s the least stressful job?
The least stressful job will depend on your personality, as everyone is different. Some less stressful jobs include writing online, gardening, selling printables, and data entry. For me, I really like blogging, and I think it’s a great stress-free career that you can do at home.
How do I find a peaceful job?
If you want a peaceful job that doesn’t have a lot of stress, then I recommend first thinking about what you would find peaceful in a career, such as by looking for jobs with fewer deadlines and less contact with lots of people. Jobs where you can set your own pace, like a blogger or a freelancer, tend to have a peaceful workday. Think about what makes you feel calm, and then look for jobs that match that feeling.
What job is the easiest and pays the most?
Some jobs that are pretty easygoing and also pay well include orthodontist and optometrist. These jobs usually have regular hours and don’t need you to rush around. Plus, they pay more than enough to help you save for those things you love to buy.
What types of work-from-home jobs are low stress?
Working from home can be really laid back when you’re doing something like freelance writing, blogging, transcribing, or graphic design. You can pick the jobs you want and work when it suits you best.
What are the best low stress jobs for introverts?
If you’re quiet or introverted, then you might be interested in jobs where you can work solo or with just a few people. Jobs like a bookkeeper, transcriptionist, or data entry let you focus on your work without having to talk to many people.
What are high-stress jobs?
Some of the most stressful jobs include being a nurse, police officer, surgeon, social worker, anesthesiologist, firefighter, lawyer, airline pilot, paramedic, and in the military.
Best Low Stress Jobs – Summary
I hope you enjoyed this article on the best low stress jobs.
Nowadays, people are realizing how important it is to balance work and personal life and to take care of their mental health while lessening their anxiety about work. Some occupations, like software development and data entry, have this balance and a sense of calm.
Professionals such as dental hygienists, librarians, and dietitians also enjoy low stress roles with predictable schedules.
You don’t have to give up peace of mind to have a career. By thinking about what you’re good at and what you enjoy, you can find jobs that meet your goals while keeping stress levels low.
For me, I personally love having a career that has low stress. While it is still hard, I love that I can work from home, choose the work I do, and have a flexible schedule – all things that help me be less anxious and happier about the work that I do.