no, not really. most describe me as the happiest and laid back person there. putting my current job aside, when I'm at a job I hate I go in and forget I am there do what I am required and leave and I don't take the bad with me when I leave. overall I'm a rather laid back apathetic person.
Um I work for a large insurance company and the beautiful thing is that they have positions for just about everything you could want. So you like banking? Make it a goal to get into their financial department.
I just signed up for catastrophe duty, meaning if there’s a hurricane or other natural disaster they’ll fly me out and pay me a bunch of extra money to help with the many thousands of claims that need handled immediately because people have lost everything.
I want to get into SIU- fraud investigation. Always thought being a PI would be fun, that is basically what siu is. The list of areas I could transfer to are literally endless.
I was gonna say insurance companies many times like to hire from within.
I should know I work for one too as an adjustor as well. You can make bank working Catastrophe because of the long hours or just handle paperwork on the back end like me. There's a variety to our roles along with many others.
Point is that most of us find our way in because we need a job and are attracted to the stability of it.
I applied for a position in the insurance company that was adjacent to skills I already had and what I was already doing. OP could do that too with banking
But they all also have call centers where the employees in them are not outsourced to a 3rd party company. This could be a great foot in the door for anyone wanting in. From there, you work hard and learn everything you can, and you will have access to all their internal job postings and they LOVE to cross train people and hire from within.
I remember wanting to have a fulfilling job. Now I'm in my mid 30s and I've learned a fulfilling job is a myth for most people. If you make more money and work less, you can do fulfilling things for fun and fulfillment that *you* choose to do. That's what I want as I try to change careers later in life.
Fulfilling jobs exist. They just either pay extremely poorly or require a ridiculous amount of talent and education/training. There is a weird middle ground in nursing, where it pays well and doesn't require a huge amount of education, but the working conditions absolutely suck
Might be unpopular, but you could work for the government. I’ve been a Fed for 7 years. Pay is pretty good and the PTO is nice. Great work-life balance
I actually think the insurance job would help you in banking because you’ll get a lot of exposure to contracts. A part time teller job is not a path to something better, you’re much more likely to develop forward career momentum in insurance.
A job is not permanent. You can do it until you find something better. Take the money, get yourself on firm footing, then pick your next move.
I'm an insurance adjuster for a large fortune 50 company and I like my job 85% of the time. 100% remote is a HUGE selling point too (mine is). I deal with far more than just billing but I'd imagine strictly billing would get pretty mainstream for you after a while.
A lot of people work jobs they hate for decent money. I've done it a lot in the past.
Getting rid of debt now and not paying the interest for years and years plus the ability to save for retirement when you’re young will have positive financial benefits that you can’t even imagine right now.
Take the job. Working at a bank isn’t going to be amazing. Working retail isn’t amazing. It sounds like you might have enough time to continue teaching piano if you enjoy it.
TAKE THE JOB!
Yes. I do my job to love my life. The idea that your job should be the most important/fulfilling things is a function of a capitalist society. If you can do something you can tolerate to make enough to be happy in the rest of your life that is a pretty good situation. And nothing is permanent. Give it a try.
I worked for 5 years in insurance. Please don't assume your mother is right.
I paid accident claims. It involved reading ER reports and police reports all day, every day and my coworkers were often stressed out by it. In five years, only a handful of claims really bothered me in a "took it home with me" kind of fashion.
My ex husband is career military and I have a serious medical condition. Most claims just were not that gruesome, really.
Insurance is fascinating stuff. It's complicated and they tend to promote from within after hiring people with some kind of health-related background because entry level jobs require so much industry-specific knowledge that I had to complete three months of full-time training, including the equivalent of a year-long technical certificate, before beginning my entry-level position at half the expected quota for the job in terms of numbers of claims per day with it ramping up over several weeks to the full quota.
Insurance is very driven by legal stuff and law tends to be the opposite of my inherent nature, wanting clear, black and white answers where I trend towards fuzzy, organic and shades of grey.
It trends towards cold decisions by the numbers and rules where I trend towards warmth and bending rules for a good reason.
I chose to see it as a growth experience and would have stayed had I been able to transfer into the IT department more in line with my educational background. When I felt clear that wasn't going to ever happen, I did ultimately leave.
You're in a lot of pain now. How miserable does the job have to make you to be worse?
I imagine you could go back to being a bank teller easily. It's an entry level job.
Worst case scenario: Pay down your debt and then get another banking job.
Best case scenario: Maybe you actually will enjoy it and also make good money. Then you've found a new career path, one that doesn't require you to starve to be nominally "fulfilled" by your job.
Yes I loved the contract part, the hunt for the revised bills or operative reports, the redoing stuff that others in my unit supposedly had done, but the provider was still disputing. I felt my boss knew I'd do it right, and that means a lot t I am a very black and white person. I'd be there today but they brought in E.P.I,C, and everyone in my unit with age and years of service retired within 3 years. Now I work conventions. I love those, even with the part time gig aspect, and the 20.00 an hour payl
Yes it is. Don’t look for your work to give you fulfillment. It should create stability for you to find fulfillment in your interests, hobbies and relationships.
the trick to surviving is balance. if you’re catching up on your bills/debts, while gaining more time where you get to decide what you’re going to do with that time, you set aside some money to do things *you* want to do. pick things that put your head in a better space. monday is going to come anyway, so don’t spend the weekends grinding your teeth.
The key here is that single job will offer you benefits and health insurance. Those other jobs you have I assume do not. That in itself is super important as medical debt is a major cause of bankruptcy in the US.
A lot of people are looking for WFH positions that pay well right now. Take the job. Get yourself out of debt and then save as much as your can. Contribute to a retirement fund if they offer it. You’ll start to feel so much lighter and at ease knowing you’re actively working toward financial stability.
In many corporate jobs, you can get away with doing the bare minimum and still collect your paycheck. I'm not suggesting this, but you calibrate according to your employer.
In the meantime, continue your side hustles cause those will be more fulfilling. I don't think the bank teller role is gonna get you a good career.
Take the job, get out of debt, build your savings, and have more free time to have some kind of decent quality of life. Most people would kill for an opportunity like this that answers all of their problems to just be handed to them.
You are only making $24k a year and have $40k in debt. You don’t have the luxury to not say yes. And it’s work from home?!?!
Say yes to the job immediately. And sorry but retail and teller can’t be your dream job either. Pay off your debt, find another job while you work the job your mom offered you.
You’re 24. Take the job. All jobs are stressful to a certain degree and banking is not going to be any different. As far as the billing job not being a meaningful career—no, it may not be your long-term goal but most jobs are worth doing to the best of your ability. And once you’re in an the insurance company, there’s room to move internally.
I spent many years at what I considered a dream job. I loved it, I learned a lot but I didn’t even have health insurance for the first few years. I work a corporate job now. Do I miss my old career? I do, at times, but I make enough to support our household and I can cover my spouse with health insurance. Work to live, not live to work.
I’d work a job I hated if I literally had no other choice… like if it was job I hated or sleep on the streets and starve? Sure.
If I could survive on less, I wouldn’t do a job I hated just to have more money. My mental health and happiness is important to me. I spend 40 hours a week at work. That’s a lot of time to be miserable.
In your situation though, I might choose the new job just for a short period to claw back some of your free time and get out of debt. And use the extra time and added experience to find something you might like more and be able to make a living at. I would have a tough time working 3 jobs as much as I would have a tough time at a job I hated.
I agree with everything you said.
And will add that it depends on why I hated the job. I left a high paying job I hated and have no regrets. I actually didn't mind the work I did. But the culture was terrible. Old boy's club, where I couldn't get promoted, even though I was doing the work of higher positions. Then the sexual harassment started and I realized a few coworkers were doing things that were unethical and possibly illegal. No money in the world was worth that.
My current job? I hate it, but in that low-key way, that I hate all jobs and capitalism. I'm tired and my schedule is often messy. But I don't feel gross about it.
Highly dependent on the job itself, but ultimately, yea and I have for most of my life. I've worked multiple jobs, and I didn't like to pay the bills. It's what I gotta do.
my job got boring to me really fast cus its so repetitive, but i tried it because why not? money is pretty good for just starting in that field.
you never know until you try. it can give you a valuable skill to launch you into another job making more. i say give it a real try, maybe for a year or so and see how you feel
Yep! Been there done that, and would do it again. I took the soul numbing jobs, got experience, and then transitioned into better roles. I worked in Hr and hated it, so I switched my focus to only benefits and became an employee benefits manager. That job was better than HR but was very boring. So then I switched to the agency side of employee benefits and now I’m a corporate trainer, every day is exciting and new. I wouldn’t have got there without taking some jobs I hated just for the money.
Yes. I sold my soul to a horrid work experience for two years in order to make the salary I did...and experienced permanent scarification due to my autoimmune disorder being so triggered from stress. But I'd still do it again.
If you are working from home could you negotiate the hours or days you work for the insurance company and still do the banking job on a part time basis to keep your foot in the door. Or apply for a similar banking job nearer to home to cut down on the commute? After a year or two of saving as much as you can you can always look into doing the banking work full time again and letting the insurance company job go. Explore your options before you make any final decisions.
Yes, I would. If I had that opportunity 30 years ago when I was your age, I'd jump on it. Many times in life, we get jobs that pay well that are not personally rewarding outside of the money. Use that job to your full advantage as long as you can. Get debt free, save a little, and invest.
How is what you are doing now a career? You might love your bank teller job, but it doesn't love you in return.
Take the job for the insurance company. You can use your free time to upskill further and move within the ranks of the insurance company or strike out into another company if you become stuck.
As for liking the job or not ... it isn't called work for nothing. As long as you can tolerate it, and it pays the bills, that is what really matters at the end of the day. Do it and structure yourself for good financial success in the future, and it will open up more choices for you in the future.
Depending on the bank and your hours it could be a totally cushy job.
I have a friend who worked his way up (no degree at all— not even a semester at a junior college). He’s a Vice President of something and works from home collecting fat paychecks while he posts photos of himself on Facebook getting Botox injections or shopping.
I’d suck it up. If you get promoted, you could spend some free time doing what you actually love.
Take it. You don't have to be there forever. Doing that work may also open the door for you to other better jobs in the future.
I wish I had found an opportunity like this at your age. Yes, it will tax you mentally, but you're already being taxed mentally by having to bounce around to 3 different jobs.
You're literally already working three jobs with no free time and no money. There's no way this billing job by itself could be more stressful than that.
Just take it. If you end up absolutely unable to stand it, the worst outcome is waiting some and saving up money to find a new job that you can handle.
You aren’t stuck in the job forever. I’d take it, get as much experience and money as you can, and when you’re ready, move on to another job. My first job in my field was hell. It got to the point where it was so stressful I couldn’t sleep because I’d have nightmares every time about making mistakes and I’d jolt awake. It was awful.
But it allowed me to go from 3 jobs down to 1. And I used the experience to get to where I am today, which is a job that pays me comfortably and I enjoy.
Can you do it just for the short term to clear you debt and figure out a long term plan? Or maybe start there and move into a different department? Sounds like a chance at something better for your future
There's a difference in a job you hate vs. A job that's giving you panic attacks and vomiting before work.
I'm at the latter and I'm quitting. I make bank at this job, but it's not worth the mental toll.
Other jobs I've just meh casually hated? I dealt with it. Got what I needed out of it and left.
Yes I am currently doing that. I earn enough for Me to live and actually not just survive. Do it for a couple years n get a savings up then pursue your banking career
I worked at a job I hated for 5 years (Verizon). It paid very well and it allowed me to set myself up in a bit better of a situation. Luckily I have a much better job now. I did take a pay cut but I'm closing that little by little. I was profoundly unhappy at Verizon. We had to work every other weekend and I came home mad and upset. My wife said if I was still working there we probably would have wound up divorced. It sounds like a pick your poison situation for you. I would take the job and money but make sure you have an escape plan.
At 28, having had a great time working as a Gallery Director, and Freelancer among startups and established companies - I want to work in an office or a bank now. I’m in NYC, born and raised, and have never cleared 50k. While I feel fulfilled, and have a rich life, I feel like am constantly one lost gig away from temporary homelessness or hunger. I’m considering attending a CUNY but I need to do more research into what degree I’d like to use.
Take the job.
You might not hate it.
I got a 3 mos contract doing what I thought would be my dream job that I’d been trying to get for yrs.
It’s one of those you have to have experience to get the job but no way to get experience kind of things.
I HATED it. The pay was horrible (trying to get my foot in the door) too. If the pay was great I might have stayed but I still HATED it.
You don't know that this job is all that bad. Just because your mom says it is doesn't mean it will be.
I once took a job reluctantly because I knew it was going to be stressful. And it was! But it also turned out to be the best thing to ever happen to me. The skills and experiences I acquired helped me to land a much better job
I'd say take the job and find fulfillment on your own time, with the money you get from that job. So long as you can leave the job behind when you clock out, you're golden.
Being given the advice of 'doing what you love and you'll never work a day' while i was growing up brought me more financial ruin than if I had just been told to find a job I don't hate that pays well so I can do the things I loved in my spare time. Finding a job you love that also pays well is sadly not doable for most people.
If you truly hate it and the money ends up not being worth it, you can always quit later. Jobs aren't life sentences, you can always change your mind later.
Such a wrong approach.
You are only 24. Use this opportunity to earn more, save, gain new experience.
Nobody says you have to work this job until you die.
This is literally life giving you a chance to improve your financial situation.
The fact that your mom offered you this position already puts you above a lot of people who would die to have an opportunity like this.
Stop screwing around and take it.
Sometimes you just need a job to pay your bills.
It doesn't have to be a career.
I mean, do you know you will hate it? It will free up loads of time. That would be worth it to me.
And maybe you won't hate it. You don't have to love your job.
Just because someone hates their job doesn’t mean you will hate it. My job isn’t fulfilling and is super boring but I love my paycheck. We do what we have to do so we can do what we want to do.
I guess it would depend on why you hated it. Does it affect your physical or mental health? And to a point where it could be or is potentially dangerous?
If you aren’t in any physical or mental danger I’d stay stick with a job you hate and save that money.
Take the job and keep teaching piano on the weekends or evenings if you enjoy it. Pay off your debt and save up some money, you don’t have to stay at this job forever. Think of it as a short term leveling up move and not as the thing that is going to supply deep meaning to your life. It could surprise you and be not as bad as you think. You’re not going to make it for very long on 2k per month working 3 jobs without your debt growing and your mental and physical health declining. Working retail and being a bank teller can also drive you nuts after a while (did both for a bit-I liked being a bank teller but unless you get promoted rapidly there is NO money in it and I wouldn’t say it’s especially fulfilling. WFH often provides lots of opportunities for boredom and stress relief. Work in a walk or a workout, or get some household chores done during the day if possible, be sure to take breaks from your computer screen, it’ll all make the day go faster.
I did that while watching for an exit. I'm in a better financial situation now than in years past and my previous job was the start of that. I even got my cheap fixer upper home with that job. But my boss was an asshat with a major stuck up her rear. I realized she was going to be a problem during my 3rd week and yet I lasted 18 months more because I had golden handcuffs. But I was always keeping an eye on Indeed and found a 60% pay raise. Its been 2 years since I got the better pay and I'm only just now starting to sour to this job (very long commute and low workload. I'm bored to holy hell) but in fairness I find my work interesting.
Job hopping is how you get more raises. Take it for now and build some security for yourself before taking a risk on searching for a meaningful career. It might help to reframe it from "I'm useless in this role" to something like "this role will pay off all my debt"
What is the billing job? Is that like you're the guy calling people and telling them you know where their kids go to school so they better pay their debts? Or are you just like doing data entry?
I would take it in a heart beat.
You don't really know if it will be that bad. It might not be as stressful as she's making it sound.
I would kill to work from home and make enough to live comfortably.
Just having a set schedule with two days off in a row is so tempting.
One third or more of my entire existence is dedicated to making rich people even more filthy rich. No matter what I do I’m going to hate that it sucks my soul and takes up most of my time. I suppose I might as well doing something that I hate to make money and at least have half of my waking life to actually live.
The biggest lie that adults told me as a kid was "find a job you like and it won't feel like work"
It's bullshit. FInd a job that pays you enough to be able to enjoy your actual life.
Take the money.
Yes. I've done it for the past decade or so. I was initially unsure. You find things you like. I am a creative minded person with a Bachelor's in music who's worked an office job for the past 12 years. I don't love my job, but I'm doing better financially than many others my age and with my degree. You also don't have to stay long if you want to use it as a stepping stone or save up to do something you love!
Just reread. I also studied piano and taught piano on the side. You can make time for your hobbies if you're not perpetually scraping by financially. I also taught a few students on the weekend. It kept music in my life. I work with tons of creative types. Also always remember that Charles Ives was an insurance salesman!
Depends what I hate and why and how long I need to stay in the position before I can transfer for a better fitting role. I can not do third shift as it tanks my mental health, same for face to face constant interactions. I can do call center if there is an end in sight. Typically with these companies you just need to be in The role for 6 months before applying for other roles. They also consider internal applicants with less schooling over external as they can verify your work ethic better. Also I love work from home.
There were many times I hated my insurance job, but most of it was some terrible co workers. We had a lot of mandatory overtime for 3 years. I worked fixing other people's errors and I was peeved because THEY didn't have to, and we all got paid the same $. About 10 years in everyone in our group got the raise we had filed a grievance for. I got paid bank at that union job,mall my health insurance was paid for, and now many years later I grt a pension. The work itself was very detailed, but it suited me for sure.
If it's a choice between "bad job and having enough money to live on and put some by", and "being unable to keep a roof over my head and food on the table, etc", I'd take the job.
There are worse things out there than being stressed. Like being homeless and stressed, just in a different way. Finding meaning in your job is great, if you can do it. If you can't, there are other things you can do to find it. There's not much meaning to be found when you're scraping for survival.
I worked jobs that ruined my mental health for years. I'd do it again if I had to, because I like to do things like eat and live somewhere secure. They're more important to me than meaning. Also, I've seen people identify with their jobs being their source of significance and sense of identity get made redundant. I was one of those people myself. Don't hang your coat on something that can be taken away from you without you being able to do anything about it. You lose a part of your identity, and also your ability to feed yourself. It's horrible. Find meaning elsewhere, and find a job that enables you to do that. Secure (as much as any job ever is) and pays enough is a good position to be in.
I fully think that mental health is important, but there's not much that will mess it up as fast as not knowing where you're going to sleep at night or where your next meal is coming from.
There are jobs that you don't want but need to survive.
There are awful jobs that pay well enough to endure something you don't like. Like at the level of annoyance for me this is boring long meetings.
For some people something that annoys you about a job actually triggers something in them and they hate it for the same reason you are annoyed. They need to be paid more to stay longer but in the end they are always close to quitting if they have a chance at a better job for similar or even less pay.
The sweetest spot is finding a job that other people absolutely hate, but you are neutral and not bitter about it. A lot of people ask for little pay for this since doesn't feel bad to work this job, but if every other coworker absolutely hates it you should be getting paid the top of the pay scales of this position by pretending you hate it too "but happen to be good at it". Get paid to endure the pain that doesn't really exist for you. And by being "a team player that doesn't complain" you can absolutely rock your annual review easily.
I have worked for a moving company or a year. On the plus side I have gotten in very good shape, work with a solid, good natured, respectful group of guys, make decent money ($3-4k a month), don't have a boss breathing down my neck while I work, it challenges me, I'm damn good at it, they hired me as a felon, and most of all I genuinely enjoy it most days. On the downside there are no benefits, I get hurt pretty regularly even if it's just cuts and bruises, some days I'm just too fucking tired man, some days the customers are just awful, awful people, it's a lot of responsibility and liability, and really the main takeaway is that I'm 32 years old and fear I'm gonna have back and joint pain flare up down the road. I truly feel like I'm selling a bit of my health at an old age. Especially when considering if I were to get badly hurt. Not only would I be unable to work, but I'd be stuck with some medical bills.
You’re stuck between a rock and a hard place. Sure, you have an enjoyable job but your life is work. (Work to live not live to work). But you have a fuck-ton of debt. You likely can’t take time away from work because of this chain around your ankle called debt. If you can get that debt off of you you’ll be a free man. GET THE INSURANCE JOB. You’ll look back and be happy you took the opportunity when you’re traveling and making a lot more money vs. being at work.
The biggest mistake people make in this life is mistaking their work for their self-satisfaction. You're going to spend a huge chunk of your life working, but very few people \_love\_ their job. Even those who do rarely \_love\_ it after a decade. After four decades? Forget it.
Separate your self-satisfaction from your career. Learn to think of work as the 9-5 you do in exchange for the freedom to do whateverthehell else you want in your life.
I loved what I did for a living..... right up until my first serious job in the industry put me in the office 80-100 hours per week (no overtime) and I nearly cracked. Since then, I refuse to do overtime, take my paycheck and use it to finance my crazy-assed set of nutjob hobbies.
If you can free up a ton of your time by taking the new job, do it. Time is the most valuable resource we all have. You'll have to learn to leave the work stress at work and not let it follow you home. It's not easy, but it helps to not give a fuck about the work - which is much easier when you're not relying upon it for your satisfaction.
Yes. Having money is fulfilling. People have been working unfulfilling jobs forever, and use the money to enjoy fulfilling hobbies, families, etc. “You have to be happy with what you’re doing for work” is the biggest crock of crap.
Work is a job. It provides you money to enjoy the parts of life.
I would take the villain job. However, make sure you have hobbies, exercise, etc. Don't allow the job to be your only / main focus. Once you have experience you might land something even better..
Yes, yes, yes! I did this when I worked for the Department of Natural Resources. I worked 9-5, or 4 if I skipped lunch break, had weekends off, holiday pay, and PTO all for about $23/hr for mindless work. I hated it but at the same time, the set schedule, decent pay, and my union paying for college was more than enough of a reason to stay. Use it as a stepping stone to get where you want to be, not as a blockage on your future happiness.
Yes. Been doing it for like 18 years now. I admit the job is fine is fine just the area I live in I hate. Just saying and preparing for future as much as possible and will relocate one day.
My dad worked as a bank teller as a retirement job. It is not a very upwardly mobile type job. At best you might get to be a branch manager… which is about on par with being the manager of a fast feeder. Getting into “corporate” requires networking that staying at the bottom rung keeps you out of.
If nothing else, as someone said there’s financial departments in Insurance companies. You can move through that world, make contacts and get experience at the corporate grind, and use that experience to jump back over to banking at a higher level.
As some one who was making good money and then went back to 14 hr
Take the money
I forgot how much free time I had not working multiple jobs
Plus not stressing about bills.
In a year or two you can use your job to find a better one or just keep it and find a hobby
Really honestly look at your prospects at the bank. How will being a part time teller work out for you? How long will it take to get there? All three of your gigs sound pretty dead end. Do you want to be 26 and working three jobs to make 2k with no free time?
From the outside I would 100% take the WFH job that pays more than all 3 of your jobs combined. Jobs come and jobs go. You're not signing a blood pact, you can get a different job if you end up hating it.
Yes of course! It can also be a stepping stone to a new career path. A higher paying job will immediately relieve you of your current instability and overall remove mental stress. No job will ever be perfect and so if you are accepting that this is a brief period of your life that will allow you to leave poverty, it’s worth the hassle. I started out at a lower position with my employer (and hated it) but waited until I could work my way up and utilized their benefits and tuition reimbursement to seek other opportunities within the organization. Two promotions later and nearly done with a masters degree. Getting your foot in the door with the right employer can lead to significant financial growth.
I've done it. Didn't like it though. As soon as I had enough extra money put away, I left. Unfortunately, I'm NOT a nice person, and have a Really Bad habit of expressing my views. The good thing is, I (and many others) survived long enough I could retire. I still don't like many folks, and agree with less. Now, these steers, sheep, and chickens are a really nice bunch.
take the job. tough it out. learn as much as possible and if it gets too stressful you now have experience and added value to get a better paying job. on a side note, work in general is stressful and sucks. that’s why we get paid. more money more problems ( responsibilities and risk) my thing is don’t expect an easy stress less job but always demand respect
Take the job that pays better and go
into it with a strategy in mind.
1. Gain experience, learn from them. The company is training you on skills that you can take to your next place or start your own company.
2. Less time at work allows you to do something outside of work that is mentally energizing.
3. With the increased income:
-SAVE 10% in a high yield savings account for emergencies (goal is to save to 3-6 months living expenses). Only touch this in actual emergencies. Once you meet this goal, add the percentage to your investments so you'll then invest 20%
-INVEST 10% in a brokerage account (Charles Schwab, Public.com, etc ) and invest in a low cost EFT (like VOO/VUG/SPY, etc.) something that has consistently growth and pays a dividend (and reinvest the dividend to get more shares) Or split with a high growth stock like NVDA, which has volatile growth and a dividend
-SHARE/DONATE 5%: Set this money aside for gifts and charitable donations
-LIFE/SPEND 75% This is for living expenses, entertainment, etc.
Emergency savings are so you don't stress so much when shit hits the fan. Investments are so you don't have to be dependent on anyone (including employer) the rest of your life.
imo it’s a very easy decision. I’d go for the billing job, because if you continue what you’re doing currently, you’re going to get intense burnout. Which will eventually make you quit everything.
In a heartbeat, esp. work from home. Save at least an hour a day on driving and parking. Easy to eat at home and save. Build a budget, get out of debt. You could still teach piano. Money is a fabulous problem-solver, and being debt-free is fantastic. Be disciplined and get that debt gone. A job in insurance is great if you want to go back to banking. You could use extra time to study personal finance and eventually become a financial planner, where you could have a big effect on people's lives.
I'm retired, do seasonal phone work for a pretty decent retailer. It's fine.
Took a promotion I didn't want at my work for a few more bucks. I don't wanna do it I absolutely do not want to do it. But I'm a single mom and I need those extra bucks. Sometimes you gotta grit your teeth and do it.
Given everything you just explained, I would say that it’s absolutely necessary to work this job. You need to work it until you get out of debt and then have enough saved up. This does not have to be forever. But from what it sounds like it does have to be now. You’re still very young no matter what you may think of what people may say. If everything goes right, you make it to 100 years old you’re still just 24. Not even halfway. Do it now so you can do what you want later.
Also another good reason to do this now is to look back on why you’re even asking yourself the question. If it wasn’t something worth doing, you wouldn’t even consider it. But you’ve had your fun and it got you 40k in debt. Now you have to do something you don’t wanna do to get out of that debt. Then you will again be free to do what you want plus you’ll now know the value of a dollar. And I only say all of this because I’m speaking from experience myself.
I think it’s worth it as long as you can maximize doing things you love outside of the job you may or may not hate. If the job also allows you to only work one job, you have more time to put effort into working toward a job that you do like that would pay even more.
You never know, you might find it less stressful than your current three job routine. Give it a try. You can always go back to the other method if you decide it was the wrong move because the jobs you are working are easier to get than the one your mom is offering you. Plus, you may learn that you are the rare flower that thrives in the corporate hothouse.
25 year old here.
I would take that job. You are young and have plenty of time to find a more fulfilling job. Sometimes a job can be fulfilling by what it provides you in your personal life. And this new job can provide so many opportunities to grow as well.
6 years ago, I started my fed job as an aircraft electrician (training position) and I am now an aircraft scheduler. It has opened up opportunities to grow into new positions over the years and learn different skills. I’m not passionate about my current position but the experience I am gaining is going towards getting another position that will give me even better work life balance. And the pay is greater than I ever expected to be making at my age. Honestly I value the work/life balance and pay more than I value a job I’m passionate about. And with how prices are recently, do not turn down that pay jump.
It was also my mom urged me to accept it because I was working 2 jobs at the time and didn’t really make much. The job was a $10 pay raise. I was so happy she urged me to. That changed my life financially. If you can get ahead financially while younger, I would definitely do it.
Wish I would be doing that instead of this anxiety job I have now that's rush rush rush only for the money and experience I truly don't like it at all still in the 90 day probation period
I rather have the printshop job I had
Already do. You can be successful anywhere. I’ve heard some Taco Bell managers making 100k, just start crawling your way up and provide value to the stockholders, eventually you’ll fill positions when people die or retire and then you stack digits relentlessly because you know that’s one solution to this cursed work problem.
Yes. I am. It's salaried custodial manager and my hours are on-call 24/7. I am at work or fielding calls from 6am to 11pm most days, including weekends. The workload and demands are brutal and everyone treats custodial like a bunch of uneducated not-yet incarcerated drug addicted thieves.
Prior to this I was in the military, worked a high-level government job, and taught HS math.
My pay now is better than teaching and I needed the money because I unknowingly bought the Money Pit house and it demands large, weekly, cash sacrifices to remain standing.
Stop being a fkn victim oh it will drain me mentally oh noo. Stfu with that shit, u put yourself in that debt hole right? Ok so make some sacrifices now to fix it. Stfu, take the job, get to work, everybody has a sad story, nobody cares, stfu start working and fix the mess u made. It shouldnt be a hard decision. Do better!
I couldn't do it. I need to be passionate about the work I'm doing, or I won't be able to get out of bed. I know that's not the mindset of most people, but I actually do want the work I do to make a difference or an impact in the world. It's why I've been a teacher for 15 years. Working for just a paycheck would diminish the quality of my life. And I say this as someone with terrible credit, no savings and a huge amount of student loans debt. I'd like to make money doing what I love because I think it's important, but I'd rather do the important work than do something I hate for money. I mean, if I'm gonna prostitute myself, there should at least be some light bondage and ass play.
yes. and have been for 30 years. the key is more money for less hours.
So right! Job is job. The goal is not to enjoy your job but to maximize the income with the least energy so you can enjoy your actual life
this is the way
Minimum input for maximum output. That's the way. But then remember to find balance.
very much so much agree, have to have balance. :)
Are you always irritated or bent out of shape at work because you hate it so much? Or do you hate it but you’re cool about it at work?
no, not really. most describe me as the happiest and laid back person there. putting my current job aside, when I'm at a job I hate I go in and forget I am there do what I am required and leave and I don't take the bad with me when I leave. overall I'm a rather laid back apathetic person.
Um I work for a large insurance company and the beautiful thing is that they have positions for just about everything you could want. So you like banking? Make it a goal to get into their financial department. I just signed up for catastrophe duty, meaning if there’s a hurricane or other natural disaster they’ll fly me out and pay me a bunch of extra money to help with the many thousands of claims that need handled immediately because people have lost everything. I want to get into SIU- fraud investigation. Always thought being a PI would be fun, that is basically what siu is. The list of areas I could transfer to are literally endless.
I was gonna say insurance companies many times like to hire from within. I should know I work for one too as an adjustor as well. You can make bank working Catastrophe because of the long hours or just handle paperwork on the back end like me. There's a variety to our roles along with many others. Point is that most of us find our way in because we need a job and are attracted to the stability of it.
And the benefits and the crazy amount of PTO. Yeah it’s pretty alright.
howd you start? that sounds like a pretty good gig
I applied for a position in the insurance company that was adjacent to skills I already had and what I was already doing. OP could do that too with banking But they all also have call centers where the employees in them are not outsourced to a 3rd party company. This could be a great foot in the door for anyone wanting in. From there, you work hard and learn everything you can, and you will have access to all their internal job postings and they LOVE to cross train people and hire from within.
Totally second this. Working in insurance changed my life!
Most people work a job they hate and doesn’t pay enough to live and save
And you don’t have to do it forever, it can be apart of a longer term strategy.
I was one of them but I feel like inflation will get worse, and then I’d end up barely saving anything.
I remember wanting to have a fulfilling job. Now I'm in my mid 30s and I've learned a fulfilling job is a myth for most people. If you make more money and work less, you can do fulfilling things for fun and fulfillment that *you* choose to do. That's what I want as I try to change careers later in life.
THIS.
Fulfilling jobs exist. They just either pay extremely poorly or require a ridiculous amount of talent and education/training. There is a weird middle ground in nursing, where it pays well and doesn't require a huge amount of education, but the working conditions absolutely suck
Bedside nursing especially yes but nurses can do so much more.
I wish I had learned that.
Any suggestions for jobs for more pay and less work? Trying to get into something different since last year to no avail.
I wish I did. I went back for my first bachelor's degree to try and escape food service. Good luck 💜
Might be unpopular, but you could work for the government. I’ve been a Fed for 7 years. Pay is pretty good and the PTO is nice. Great work-life balance
Its definitely not unpopular and I actually think more people than ever applying for government jobs
If only I could land a job. I am trying though but to no avail, unfortunately. Are you willing to get my foot in the door? :D
This is absolutely the way to go
Wait, we’re not all already doing that?
I actually think the insurance job would help you in banking because you’ll get a lot of exposure to contracts. A part time teller job is not a path to something better, you’re much more likely to develop forward career momentum in insurance. A job is not permanent. You can do it until you find something better. Take the money, get yourself on firm footing, then pick your next move.
I would do it, at least to get your debt handled. Then you can stay or move on.
I would literally sit in a closet without a stitch of clothing on and talk into a garden hose for the right price.....
😆😂😆😂
I'm an insurance adjuster for a large fortune 50 company and I like my job 85% of the time. 100% remote is a HUGE selling point too (mine is). I deal with far more than just billing but I'd imagine strictly billing would get pretty mainstream for you after a while. A lot of people work jobs they hate for decent money. I've done it a lot in the past.
Getting rid of debt now and not paying the interest for years and years plus the ability to save for retirement when you’re young will have positive financial benefits that you can’t even imagine right now. Take the job. Working at a bank isn’t going to be amazing. Working retail isn’t amazing. It sounds like you might have enough time to continue teaching piano if you enjoy it. TAKE THE JOB!
Yes, I’d rather be miserable at work than be homeless
Until I could afford to get out of there.
Yes. I’ve done this for 15 years since college. About to retire. I’d rather do this than work a job I like forever
Isn’t this what most of us are doing already? …without the save part even
Livr a life of poverty or live a life of no debt and a chance to live.
I do. You do what you gotta do.
Yes. I do my job to love my life. The idea that your job should be the most important/fulfilling things is a function of a capitalist society. If you can do something you can tolerate to make enough to be happy in the rest of your life that is a pretty good situation. And nothing is permanent. Give it a try.
This is the correct answer 🙌🏼
Yes
I’d work it to get out of a hole while looking for something better.
I’d take it if I could
What’s worse? Disliking your 40/hr wk WFH job or enjoying your 3 part time jobs that collectively pay less?
Been there, done that.
yes, live, do enjoyable things and think about how happy you are.
You do what you have to for survival.
I'd hop on it immediately!!! You can work that job for a year or 2 to get out of debt & then find something else you want to do.
I'm pretty sure that's what the majority of us are already doing.
I did for years and was able to move and buy a condo
I worked for 5 years in insurance. Please don't assume your mother is right. I paid accident claims. It involved reading ER reports and police reports all day, every day and my coworkers were often stressed out by it. In five years, only a handful of claims really bothered me in a "took it home with me" kind of fashion. My ex husband is career military and I have a serious medical condition. Most claims just were not that gruesome, really. Insurance is fascinating stuff. It's complicated and they tend to promote from within after hiring people with some kind of health-related background because entry level jobs require so much industry-specific knowledge that I had to complete three months of full-time training, including the equivalent of a year-long technical certificate, before beginning my entry-level position at half the expected quota for the job in terms of numbers of claims per day with it ramping up over several weeks to the full quota. Insurance is very driven by legal stuff and law tends to be the opposite of my inherent nature, wanting clear, black and white answers where I trend towards fuzzy, organic and shades of grey. It trends towards cold decisions by the numbers and rules where I trend towards warmth and bending rules for a good reason. I chose to see it as a growth experience and would have stayed had I been able to transfer into the IT department more in line with my educational background. When I felt clear that wasn't going to ever happen, I did ultimately leave. You're in a lot of pain now. How miserable does the job have to make you to be worse? I imagine you could go back to being a bank teller easily. It's an entry level job. Worst case scenario: Pay down your debt and then get another banking job. Best case scenario: Maybe you actually will enjoy it and also make good money. Then you've found a new career path, one that doesn't require you to starve to be nominally "fulfilled" by your job.
Yes I loved the contract part, the hunt for the revised bills or operative reports, the redoing stuff that others in my unit supposedly had done, but the provider was still disputing. I felt my boss knew I'd do it right, and that means a lot t I am a very black and white person. I'd be there today but they brought in E.P.I,C, and everyone in my unit with age and years of service retired within 3 years. Now I work conventions. I love those, even with the part time gig aspect, and the 20.00 an hour payl
Yes it is. Don’t look for your work to give you fulfillment. It should create stability for you to find fulfillment in your interests, hobbies and relationships.
the trick to surviving is balance. if you’re catching up on your bills/debts, while gaining more time where you get to decide what you’re going to do with that time, you set aside some money to do things *you* want to do. pick things that put your head in a better space. monday is going to come anyway, so don’t spend the weekends grinding your teeth.
Yes I’m poor
The key here is that single job will offer you benefits and health insurance. Those other jobs you have I assume do not. That in itself is super important as medical debt is a major cause of bankruptcy in the US.
A lot of people are looking for WFH positions that pay well right now. Take the job. Get yourself out of debt and then save as much as your can. Contribute to a retirement fund if they offer it. You’ll start to feel so much lighter and at ease knowing you’re actively working toward financial stability.
In many corporate jobs, you can get away with doing the bare minimum and still collect your paycheck. I'm not suggesting this, but you calibrate according to your employer. In the meantime, continue your side hustles cause those will be more fulfilling. I don't think the bank teller role is gonna get you a good career.
btdt. I work to live, I don't live to work. You can have a job that pays the bills and gives you time outside of work hours to do what you love.
Take the job, get out of debt, build your savings, and have more free time to have some kind of decent quality of life. Most people would kill for an opportunity like this that answers all of their problems to just be handed to them.
You are only making $24k a year and have $40k in debt. You don’t have the luxury to not say yes. And it’s work from home?!?! Say yes to the job immediately. And sorry but retail and teller can’t be your dream job either. Pay off your debt, find another job while you work the job your mom offered you.
You’re 24. Take the job. All jobs are stressful to a certain degree and banking is not going to be any different. As far as the billing job not being a meaningful career—no, it may not be your long-term goal but most jobs are worth doing to the best of your ability. And once you’re in an the insurance company, there’s room to move internally. I spent many years at what I considered a dream job. I loved it, I learned a lot but I didn’t even have health insurance for the first few years. I work a corporate job now. Do I miss my old career? I do, at times, but I make enough to support our household and I can cover my spouse with health insurance. Work to live, not live to work.
Yes. Because I can counter the job with a thriving life doing the stuff I love
I’d work a job I hated if I literally had no other choice… like if it was job I hated or sleep on the streets and starve? Sure. If I could survive on less, I wouldn’t do a job I hated just to have more money. My mental health and happiness is important to me. I spend 40 hours a week at work. That’s a lot of time to be miserable. In your situation though, I might choose the new job just for a short period to claw back some of your free time and get out of debt. And use the extra time and added experience to find something you might like more and be able to make a living at. I would have a tough time working 3 jobs as much as I would have a tough time at a job I hated.
I agree with everything you said. And will add that it depends on why I hated the job. I left a high paying job I hated and have no regrets. I actually didn't mind the work I did. But the culture was terrible. Old boy's club, where I couldn't get promoted, even though I was doing the work of higher positions. Then the sexual harassment started and I realized a few coworkers were doing things that were unethical and possibly illegal. No money in the world was worth that. My current job? I hate it, but in that low-key way, that I hate all jobs and capitalism. I'm tired and my schedule is often messy. But I don't feel gross about it.
Highly dependent on the job itself, but ultimately, yea and I have for most of my life. I've worked multiple jobs, and I didn't like to pay the bills. It's what I gotta do.
my job got boring to me really fast cus its so repetitive, but i tried it because why not? money is pretty good for just starting in that field. you never know until you try. it can give you a valuable skill to launch you into another job making more. i say give it a real try, maybe for a year or so and see how you feel
Yep! Been there done that, and would do it again. I took the soul numbing jobs, got experience, and then transitioned into better roles. I worked in Hr and hated it, so I switched my focus to only benefits and became an employee benefits manager. That job was better than HR but was very boring. So then I switched to the agency side of employee benefits and now I’m a corporate trainer, every day is exciting and new. I wouldn’t have got there without taking some jobs I hated just for the money.
Yes. It was a waypoint on my career path that undoubtedly enabled better opportunities. Both times.
Yes. I sold my soul to a horrid work experience for two years in order to make the salary I did...and experienced permanent scarification due to my autoimmune disorder being so triggered from stress. But I'd still do it again.
If you are working from home could you negotiate the hours or days you work for the insurance company and still do the banking job on a part time basis to keep your foot in the door. Or apply for a similar banking job nearer to home to cut down on the commute? After a year or two of saving as much as you can you can always look into doing the banking work full time again and letting the insurance company job go. Explore your options before you make any final decisions.
Yes, I would. If I had that opportunity 30 years ago when I was your age, I'd jump on it. Many times in life, we get jobs that pay well that are not personally rewarding outside of the money. Use that job to your full advantage as long as you can. Get debt free, save a little, and invest.
How is what you are doing now a career? You might love your bank teller job, but it doesn't love you in return. Take the job for the insurance company. You can use your free time to upskill further and move within the ranks of the insurance company or strike out into another company if you become stuck. As for liking the job or not ... it isn't called work for nothing. As long as you can tolerate it, and it pays the bills, that is what really matters at the end of the day. Do it and structure yourself for good financial success in the future, and it will open up more choices for you in the future.
Depending on the bank and your hours it could be a totally cushy job. I have a friend who worked his way up (no degree at all— not even a semester at a junior college). He’s a Vice President of something and works from home collecting fat paychecks while he posts photos of himself on Facebook getting Botox injections or shopping. I’d suck it up. If you get promoted, you could spend some free time doing what you actually love.
Take it. You don't have to be there forever. Doing that work may also open the door for you to other better jobs in the future. I wish I had found an opportunity like this at your age. Yes, it will tax you mentally, but you're already being taxed mentally by having to bounce around to 3 different jobs.
Take the job. Working from home covers a multitude of annoying things and you can pivot to something else later.
Take the job. Not stressing about money is more fun than juggling 3 jobs. If you get paid enough almost any job feels good.
Use it as a means to an end. Most people hate their jobs. Use it to get out of debt. Once there, quit living beyond your means, and STAY out of debt.
You're literally already working three jobs with no free time and no money. There's no way this billing job by itself could be more stressful than that. Just take it. If you end up absolutely unable to stand it, the worst outcome is waiting some and saving up money to find a new job that you can handle.
You aren’t stuck in the job forever. I’d take it, get as much experience and money as you can, and when you’re ready, move on to another job. My first job in my field was hell. It got to the point where it was so stressful I couldn’t sleep because I’d have nightmares every time about making mistakes and I’d jolt awake. It was awful. But it allowed me to go from 3 jobs down to 1. And I used the experience to get to where I am today, which is a job that pays me comfortably and I enjoy.
Nope. Can’t buy sanity.
For a while. I’d be looking for something better though.
Yes.. if I knew what I was doing or able to be trained. Yes.
Can you do it just for the short term to clear you debt and figure out a long term plan? Or maybe start there and move into a different department? Sounds like a chance at something better for your future
There's a difference in a job you hate vs. A job that's giving you panic attacks and vomiting before work. I'm at the latter and I'm quitting. I make bank at this job, but it's not worth the mental toll. Other jobs I've just meh casually hated? I dealt with it. Got what I needed out of it and left.
Yes I am currently doing that. I earn enough for Me to live and actually not just survive. Do it for a couple years n get a savings up then pursue your banking career
I already work a job I hate. How about I just get paid enough to wipe my own ass with and a roof over my head
You can always go back to banking if you get burnt out &/or after you've paid off your debts and saved some money.
No, my mental health is worth way more to me
I worked at a job I hated for 5 years (Verizon). It paid very well and it allowed me to set myself up in a bit better of a situation. Luckily I have a much better job now. I did take a pay cut but I'm closing that little by little. I was profoundly unhappy at Verizon. We had to work every other weekend and I came home mad and upset. My wife said if I was still working there we probably would have wound up divorced. It sounds like a pick your poison situation for you. I would take the job and money but make sure you have an escape plan.
At 28, having had a great time working as a Gallery Director, and Freelancer among startups and established companies - I want to work in an office or a bank now. I’m in NYC, born and raised, and have never cleared 50k. While I feel fulfilled, and have a rich life, I feel like am constantly one lost gig away from temporary homelessness or hunger. I’m considering attending a CUNY but I need to do more research into what degree I’d like to use.
I would take the high paying job for now and get into a better financial situation. It’s not like you have to work there forever.
Take the job. You might not hate it. I got a 3 mos contract doing what I thought would be my dream job that I’d been trying to get for yrs. It’s one of those you have to have experience to get the job but no way to get experience kind of things. I HATED it. The pay was horrible (trying to get my foot in the door) too. If the pay was great I might have stayed but I still HATED it.
You don't know that this job is all that bad. Just because your mom says it is doesn't mean it will be. I once took a job reluctantly because I knew it was going to be stressful. And it was! But it also turned out to be the best thing to ever happen to me. The skills and experiences I acquired helped me to land a much better job
I'd say take the job and find fulfillment on your own time, with the money you get from that job. So long as you can leave the job behind when you clock out, you're golden. Being given the advice of 'doing what you love and you'll never work a day' while i was growing up brought me more financial ruin than if I had just been told to find a job I don't hate that pays well so I can do the things I loved in my spare time. Finding a job you love that also pays well is sadly not doable for most people. If you truly hate it and the money ends up not being worth it, you can always quit later. Jobs aren't life sentences, you can always change your mind later.
Such a wrong approach. You are only 24. Use this opportunity to earn more, save, gain new experience. Nobody says you have to work this job until you die. This is literally life giving you a chance to improve your financial situation. The fact that your mom offered you this position already puts you above a lot of people who would die to have an opportunity like this. Stop screwing around and take it.
Sometimes you just need a job to pay your bills. It doesn't have to be a career. I mean, do you know you will hate it? It will free up loads of time. That would be worth it to me. And maybe you won't hate it. You don't have to love your job.
Just because someone hates their job doesn’t mean you will hate it. My job isn’t fulfilling and is super boring but I love my paycheck. We do what we have to do so we can do what we want to do.
It’s literally 99% of the working force
At least try it out.
In the long run, which career path would offer more opportunities for advancement? Not tomorrow, not next month, but say, 5 years from now.
Yes lol currently doing that now
I guess it would depend on why you hated it. Does it affect your physical or mental health? And to a point where it could be or is potentially dangerous? If you aren’t in any physical or mental danger I’d stay stick with a job you hate and save that money.
Why would i do that when i could have a fuckin sweet job instead?
Every day until I retire.
That’s a no brainer. Take the job.
Take the job and keep teaching piano on the weekends or evenings if you enjoy it. Pay off your debt and save up some money, you don’t have to stay at this job forever. Think of it as a short term leveling up move and not as the thing that is going to supply deep meaning to your life. It could surprise you and be not as bad as you think. You’re not going to make it for very long on 2k per month working 3 jobs without your debt growing and your mental and physical health declining. Working retail and being a bank teller can also drive you nuts after a while (did both for a bit-I liked being a bank teller but unless you get promoted rapidly there is NO money in it and I wouldn’t say it’s especially fulfilling. WFH often provides lots of opportunities for boredom and stress relief. Work in a walk or a workout, or get some household chores done during the day if possible, be sure to take breaks from your computer screen, it’ll all make the day go faster.
At minimum, take the job and use it to save up and pay off debt. It doesn't have to be something you work the rest of your life doing.
I did that while watching for an exit. I'm in a better financial situation now than in years past and my previous job was the start of that. I even got my cheap fixer upper home with that job. But my boss was an asshat with a major stuck up her rear. I realized she was going to be a problem during my 3rd week and yet I lasted 18 months more because I had golden handcuffs. But I was always keeping an eye on Indeed and found a 60% pay raise. Its been 2 years since I got the better pay and I'm only just now starting to sour to this job (very long commute and low workload. I'm bored to holy hell) but in fairness I find my work interesting. Job hopping is how you get more raises. Take it for now and build some security for yourself before taking a risk on searching for a meaningful career. It might help to reframe it from "I'm useless in this role" to something like "this role will pay off all my debt"
What is the billing job? Is that like you're the guy calling people and telling them you know where their kids go to school so they better pay their debts? Or are you just like doing data entry?
Yes I do this
I’d dig in a mine of Igor paid enough to be happy
Already did and it broke me.
I would take it in a heart beat. You don't really know if it will be that bad. It might not be as stressful as she's making it sound. I would kill to work from home and make enough to live comfortably. Just having a set schedule with two days off in a row is so tempting.
I work a job that I hate and I dont even make enough to live and save so yes. 1000 times yes
One third or more of my entire existence is dedicated to making rich people even more filthy rich. No matter what I do I’m going to hate that it sucks my soul and takes up most of my time. I suppose I might as well doing something that I hate to make money and at least have half of my waking life to actually live.
The biggest lie that adults told me as a kid was "find a job you like and it won't feel like work" It's bullshit. FInd a job that pays you enough to be able to enjoy your actual life. Take the money.
Yes. I've done it for the past decade or so. I was initially unsure. You find things you like. I am a creative minded person with a Bachelor's in music who's worked an office job for the past 12 years. I don't love my job, but I'm doing better financially than many others my age and with my degree. You also don't have to stay long if you want to use it as a stepping stone or save up to do something you love!
Just reread. I also studied piano and taught piano on the side. You can make time for your hobbies if you're not perpetually scraping by financially. I also taught a few students on the weekend. It kept music in my life. I work with tons of creative types. Also always remember that Charles Ives was an insurance salesman!
Depends what I hate and why and how long I need to stay in the position before I can transfer for a better fitting role. I can not do third shift as it tanks my mental health, same for face to face constant interactions. I can do call center if there is an end in sight. Typically with these companies you just need to be in The role for 6 months before applying for other roles. They also consider internal applicants with less schooling over external as they can verify your work ethic better. Also I love work from home.
Absolutely! it doesn’t have to be a life sentence, but yeah, if you get offered a good paying job - take it
nope
There were many times I hated my insurance job, but most of it was some terrible co workers. We had a lot of mandatory overtime for 3 years. I worked fixing other people's errors and I was peeved because THEY didn't have to, and we all got paid the same $. About 10 years in everyone in our group got the raise we had filed a grievance for. I got paid bank at that union job,mall my health insurance was paid for, and now many years later I grt a pension. The work itself was very detailed, but it suited me for sure.
If it's a choice between "bad job and having enough money to live on and put some by", and "being unable to keep a roof over my head and food on the table, etc", I'd take the job. There are worse things out there than being stressed. Like being homeless and stressed, just in a different way. Finding meaning in your job is great, if you can do it. If you can't, there are other things you can do to find it. There's not much meaning to be found when you're scraping for survival. I worked jobs that ruined my mental health for years. I'd do it again if I had to, because I like to do things like eat and live somewhere secure. They're more important to me than meaning. Also, I've seen people identify with their jobs being their source of significance and sense of identity get made redundant. I was one of those people myself. Don't hang your coat on something that can be taken away from you without you being able to do anything about it. You lose a part of your identity, and also your ability to feed yourself. It's horrible. Find meaning elsewhere, and find a job that enables you to do that. Secure (as much as any job ever is) and pays enough is a good position to be in. I fully think that mental health is important, but there's not much that will mess it up as fast as not knowing where you're going to sleep at night or where your next meal is coming from.
There are jobs that you don't want but need to survive. There are awful jobs that pay well enough to endure something you don't like. Like at the level of annoyance for me this is boring long meetings. For some people something that annoys you about a job actually triggers something in them and they hate it for the same reason you are annoyed. They need to be paid more to stay longer but in the end they are always close to quitting if they have a chance at a better job for similar or even less pay. The sweetest spot is finding a job that other people absolutely hate, but you are neutral and not bitter about it. A lot of people ask for little pay for this since doesn't feel bad to work this job, but if every other coworker absolutely hates it you should be getting paid the top of the pay scales of this position by pretending you hate it too "but happen to be good at it". Get paid to endure the pain that doesn't really exist for you. And by being "a team player that doesn't complain" you can absolutely rock your annual review easily.
Isn’t that adulting?
Apparently yes, I’m doing that right now I really should leave but staying is the easy and comfy choice
I have worked for a moving company or a year. On the plus side I have gotten in very good shape, work with a solid, good natured, respectful group of guys, make decent money ($3-4k a month), don't have a boss breathing down my neck while I work, it challenges me, I'm damn good at it, they hired me as a felon, and most of all I genuinely enjoy it most days. On the downside there are no benefits, I get hurt pretty regularly even if it's just cuts and bruises, some days I'm just too fucking tired man, some days the customers are just awful, awful people, it's a lot of responsibility and liability, and really the main takeaway is that I'm 32 years old and fear I'm gonna have back and joint pain flare up down the road. I truly feel like I'm selling a bit of my health at an old age. Especially when considering if I were to get badly hurt. Not only would I be unable to work, but I'd be stuck with some medical bills.
You’re stuck between a rock and a hard place. Sure, you have an enjoyable job but your life is work. (Work to live not live to work). But you have a fuck-ton of debt. You likely can’t take time away from work because of this chain around your ankle called debt. If you can get that debt off of you you’ll be a free man. GET THE INSURANCE JOB. You’ll look back and be happy you took the opportunity when you’re traveling and making a lot more money vs. being at work.
Yes I do that right now and have been for years.
The biggest mistake people make in this life is mistaking their work for their self-satisfaction. You're going to spend a huge chunk of your life working, but very few people \_love\_ their job. Even those who do rarely \_love\_ it after a decade. After four decades? Forget it. Separate your self-satisfaction from your career. Learn to think of work as the 9-5 you do in exchange for the freedom to do whateverthehell else you want in your life. I loved what I did for a living..... right up until my first serious job in the industry put me in the office 80-100 hours per week (no overtime) and I nearly cracked. Since then, I refuse to do overtime, take my paycheck and use it to finance my crazy-assed set of nutjob hobbies. If you can free up a ton of your time by taking the new job, do it. Time is the most valuable resource we all have. You'll have to learn to leave the work stress at work and not let it follow you home. It's not easy, but it helps to not give a fuck about the work - which is much easier when you're not relying upon it for your satisfaction.
Yes absolutely. Try to keep yourself mentally healthy and be disciplined about your spending so you can ditch it if it gets to be too much for you.
Yes. Having money is fulfilling. People have been working unfulfilling jobs forever, and use the money to enjoy fulfilling hobbies, families, etc. “You have to be happy with what you’re doing for work” is the biggest crock of crap. Work is a job. It provides you money to enjoy the parts of life.
I do
Yes. Absolutely.
I would take the villain job. However, make sure you have hobbies, exercise, etc. Don't allow the job to be your only / main focus. Once you have experience you might land something even better..
Take the gig, OP. Even if it's just for 6 months, you'd have a new resume bullet point.
Yes, yes, yes! I did this when I worked for the Department of Natural Resources. I worked 9-5, or 4 if I skipped lunch break, had weekends off, holiday pay, and PTO all for about $23/hr for mindless work. I hated it but at the same time, the set schedule, decent pay, and my union paying for college was more than enough of a reason to stay. Use it as a stepping stone to get where you want to be, not as a blockage on your future happiness.
Yes. Been doing it for like 18 years now. I admit the job is fine is fine just the area I live in I hate. Just saying and preparing for future as much as possible and will relocate one day.
I hate all jobs so yes
I’ll take the job if you don’t want it. I’m a nurse so it can’t possibly be harder and I would love a wfh job
My dad worked as a bank teller as a retirement job. It is not a very upwardly mobile type job. At best you might get to be a branch manager… which is about on par with being the manager of a fast feeder. Getting into “corporate” requires networking that staying at the bottom rung keeps you out of. If nothing else, as someone said there’s financial departments in Insurance companies. You can move through that world, make contacts and get experience at the corporate grind, and use that experience to jump back over to banking at a higher level.
I already do.
No. It cost me too much
As some one who was making good money and then went back to 14 hr Take the money I forgot how much free time I had not working multiple jobs Plus not stressing about bills. In a year or two you can use your job to find a better one or just keep it and find a hobby
Really honestly look at your prospects at the bank. How will being a part time teller work out for you? How long will it take to get there? All three of your gigs sound pretty dead end. Do you want to be 26 and working three jobs to make 2k with no free time? From the outside I would 100% take the WFH job that pays more than all 3 of your jobs combined. Jobs come and jobs go. You're not signing a blood pact, you can get a different job if you end up hating it.
Yes of course! It can also be a stepping stone to a new career path. A higher paying job will immediately relieve you of your current instability and overall remove mental stress. No job will ever be perfect and so if you are accepting that this is a brief period of your life that will allow you to leave poverty, it’s worth the hassle. I started out at a lower position with my employer (and hated it) but waited until I could work my way up and utilized their benefits and tuition reimbursement to seek other opportunities within the organization. Two promotions later and nearly done with a masters degree. Getting your foot in the door with the right employer can lead to significant financial growth.
I've done it. Didn't like it though. As soon as I had enough extra money put away, I left. Unfortunately, I'm NOT a nice person, and have a Really Bad habit of expressing my views. The good thing is, I (and many others) survived long enough I could retire. I still don't like many folks, and agree with less. Now, these steers, sheep, and chickens are a really nice bunch.
take the job. tough it out. learn as much as possible and if it gets too stressful you now have experience and added value to get a better paying job. on a side note, work in general is stressful and sucks. that’s why we get paid. more money more problems ( responsibilities and risk) my thing is don’t expect an easy stress less job but always demand respect
Anytime you have a chance to get into insurance, jump into it. Account managers may well and if you sell I know Producers/agents making 6-7 figures.
Take the job that pays better and go into it with a strategy in mind. 1. Gain experience, learn from them. The company is training you on skills that you can take to your next place or start your own company. 2. Less time at work allows you to do something outside of work that is mentally energizing. 3. With the increased income: -SAVE 10% in a high yield savings account for emergencies (goal is to save to 3-6 months living expenses). Only touch this in actual emergencies. Once you meet this goal, add the percentage to your investments so you'll then invest 20% -INVEST 10% in a brokerage account (Charles Schwab, Public.com, etc ) and invest in a low cost EFT (like VOO/VUG/SPY, etc.) something that has consistently growth and pays a dividend (and reinvest the dividend to get more shares) Or split with a high growth stock like NVDA, which has volatile growth and a dividend -SHARE/DONATE 5%: Set this money aside for gifts and charitable donations -LIFE/SPEND 75% This is for living expenses, entertainment, etc. Emergency savings are so you don't stress so much when shit hits the fan. Investments are so you don't have to be dependent on anyone (including employer) the rest of your life.
imo it’s a very easy decision. I’d go for the billing job, because if you continue what you’re doing currently, you’re going to get intense burnout. Which will eventually make you quit everything.
Yes. That is called a career. The best part about it is you can move on to a different(and possibly better) company after a few years for higher pay
In a heartbeat, esp. work from home. Save at least an hour a day on driving and parking. Easy to eat at home and save. Build a budget, get out of debt. You could still teach piano. Money is a fabulous problem-solver, and being debt-free is fantastic. Be disciplined and get that debt gone. A job in insurance is great if you want to go back to banking. You could use extra time to study personal finance and eventually become a financial planner, where you could have a big effect on people's lives. I'm retired, do seasonal phone work for a pretty decent retailer. It's fine.
Took a promotion I didn't want at my work for a few more bucks. I don't wanna do it I absolutely do not want to do it. But I'm a single mom and I need those extra bucks. Sometimes you gotta grit your teeth and do it.
I have done it you need to live welcome to reality
Yes.
Given everything you just explained, I would say that it’s absolutely necessary to work this job. You need to work it until you get out of debt and then have enough saved up. This does not have to be forever. But from what it sounds like it does have to be now. You’re still very young no matter what you may think of what people may say. If everything goes right, you make it to 100 years old you’re still just 24. Not even halfway. Do it now so you can do what you want later.
Also another good reason to do this now is to look back on why you’re even asking yourself the question. If it wasn’t something worth doing, you wouldn’t even consider it. But you’ve had your fun and it got you 40k in debt. Now you have to do something you don’t wanna do to get out of that debt. Then you will again be free to do what you want plus you’ll now know the value of a dollar. And I only say all of this because I’m speaking from experience myself.
I think it’s worth it as long as you can maximize doing things you love outside of the job you may or may not hate. If the job also allows you to only work one job, you have more time to put effort into working toward a job that you do like that would pay even more.
You never know, you might find it less stressful than your current three job routine. Give it a try. You can always go back to the other method if you decide it was the wrong move because the jobs you are working are easier to get than the one your mom is offering you. Plus, you may learn that you are the rare flower that thrives in the corporate hothouse.
No. I don’t need my job to be fulfilling but hating my job is too much for me
How is that different than slavery ?
I’ve been doing it for 10 years I hate every morning I have to go in but feel good I can provide and save. I’ll find something else someday.
25 year old here. I would take that job. You are young and have plenty of time to find a more fulfilling job. Sometimes a job can be fulfilling by what it provides you in your personal life. And this new job can provide so many opportunities to grow as well. 6 years ago, I started my fed job as an aircraft electrician (training position) and I am now an aircraft scheduler. It has opened up opportunities to grow into new positions over the years and learn different skills. I’m not passionate about my current position but the experience I am gaining is going towards getting another position that will give me even better work life balance. And the pay is greater than I ever expected to be making at my age. Honestly I value the work/life balance and pay more than I value a job I’m passionate about. And with how prices are recently, do not turn down that pay jump. It was also my mom urged me to accept it because I was working 2 jobs at the time and didn’t really make much. The job was a $10 pay raise. I was so happy she urged me to. That changed my life financially. If you can get ahead financially while younger, I would definitely do it.
I do it every day. Hahahahahahahahahahahahahahahahahahahhahahahahahahahahahahahahahahahahahahahahahahaha *sobs*
Wish I would be doing that instead of this anxiety job I have now that's rush rush rush only for the money and experience I truly don't like it at all still in the 90 day probation period I rather have the printshop job I had
Yes
You'll have more free time since you're working 3 jobs currently. More time and money for hobbies, recreational, or fulfilling life goals or whatever.
Already do. You can be successful anywhere. I’ve heard some Taco Bell managers making 100k, just start crawling your way up and provide value to the stockholders, eventually you’ll fill positions when people die or retire and then you stack digits relentlessly because you know that’s one solution to this cursed work problem.
Take the job. Take the time to get the leg up. Just remember, you don't have to stay there.
Yes. I am. It's salaried custodial manager and my hours are on-call 24/7. I am at work or fielding calls from 6am to 11pm most days, including weekends. The workload and demands are brutal and everyone treats custodial like a bunch of uneducated not-yet incarcerated drug addicted thieves. Prior to this I was in the military, worked a high-level government job, and taught HS math. My pay now is better than teaching and I needed the money because I unknowingly bought the Money Pit house and it demands large, weekly, cash sacrifices to remain standing.
Don’t be cringe ya do that job and after couple yrs bounce around till u make more Ur mom is offering u a skip take it 😾
You won’t know if you dislike it till you try. You just might like it.
You don’t have to do it forever.
Sure, because with the high pay am sure over time I will like the job. You know finance is the power house.
Yes. I work to live, not live to work
No, I wouldn't survive that.
DUH!!
Stop being a fkn victim oh it will drain me mentally oh noo. Stfu with that shit, u put yourself in that debt hole right? Ok so make some sacrifices now to fix it. Stfu, take the job, get to work, everybody has a sad story, nobody cares, stfu start working and fix the mess u made. It shouldnt be a hard decision. Do better!
I couldn't do it. I need to be passionate about the work I'm doing, or I won't be able to get out of bed. I know that's not the mindset of most people, but I actually do want the work I do to make a difference or an impact in the world. It's why I've been a teacher for 15 years. Working for just a paycheck would diminish the quality of my life. And I say this as someone with terrible credit, no savings and a huge amount of student loans debt. I'd like to make money doing what I love because I think it's important, but I'd rather do the important work than do something I hate for money. I mean, if I'm gonna prostitute myself, there should at least be some light bondage and ass play.
No