Hard Work, hourly wages. Does it matter to you?

Math. If you’ve worked for 10 years you should have at least $12,000 in the bank. Most of us don’t, because we could not afford to save $100 a month in a ten year span. This means that the employer (or employers) we have had did not paid us enough. Not enough to cover regular life expenses, emergency expenses, and fun expenses. It means that we were totally dependent on the next “check” and if we don’t get that check (company can’t meet payroll for some reason, or a “system” error prevents your money going into your account for four days), bad things happen. like having to borrow money to pay necessary bills, thus putting you in debt. Now you’re job has to pay your regular bills plus pay back the debt and you don’t get a raise until next year. The system that we’ve been working under all of our lives doesn’t work like it used to in the 50’s, 60’s, 70’s. Technology, education has changed things drastically.

Cost of living has skyrocketed. Companies basically have said you are still worth what people were worth 20 years ago doing the same “job” and have refused to pay per the level of what “stuff” costs nowadays. That makes total sense if a company wants to continue to make insane profits at the expense of their “workers”. But does that benefit you? Especially if you work hard, if you’re loyal, you’re dedicated, you directly aid in the companies success, etc?

Do you have a choice in the matter? If the “way it is” doesn’t work for you, what can you do? Do you want to do anything else? Some people decide to work extra jobs to make up the difference. But that doesn’t really work in making things “better” because of the additional hours you’re working a week and the extra expenses incurred from the extra jobs (gas for the car, eating out more, cleaning clothes, etc). Some decide to go back to school, but this isn’t as much of a guarantee as it used to be years ago and if you don’t get a scholarship, you’re paying for it out of pocket or you will be paying back a large school loan. Some decide to start a business. Most people tho are never as dedicated to work for themselves as they are for someone else. But most never believe they have to spend money in their own business for it to be successful. To have the chance to make hundreds of thousands with Papa Johns’s, you must pay $50,000. For Subway, $15,000. For Mcdonalds, $750,000. And that’s just to earn the right to use the brand name. You still have expenses of starting up (building, inventory, food, employees, utilities, etc) and of course, taxes.

You can start your own business for smaller amounts of money. Accounting, Graphic Design, Lawn Maintenance, Electrician, etc. What are you good at? How much effort are you willing to put into something? How much income do you need to make to make it worth it to do something on your own? These are questions you must ask yourself in starting a business.

So what’s the point? If you work hard for your employer and you’re receiving fair wages you have a great situation. But if you do not feel you’re getting fair pay for your hard work, what are you going to do about it? If you’d like help considering options, feel free to contact me below. I found an option that allows me to never rely on what someone has “pre-determined” what I am worth. You can call me at 7063938426 and be sure to refer this article. Isn’t time to have a “backup plan”?

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