I used to work as a fraud analyst in a call center for a financial institution, salary was great and the benefits were quite generous. Management were dillholes and clients made me lose faith in humanity quite quickly and I wanted to cry every day before work so much I was burnt out from it. Now I work as nightwatchman for a vacation resort, make less money and not much in terms of benefits but I’m easy as Sunday morning and my partner enjoys being around me again. Plus, when you consider how much income tax more I was paying before, I’m not making THAT much less when all is said an done. I was always frugal in my lifestyle anyway, I don’t drink or smoke, I don’t play video games, I don’t really go out, I learned to repair my own clothes rather than buy new ones and I don’t like brand names, and I pay a mortgage rather than rent so I have money left after the 1st of the month. So I don’t have an exciting and extravagant life, but I’m quite content.
Well, I DO 70hrs weeks, in that I work 10hr shifts for 7 days. But then I’m off for 7 days. Today is day off 1. But yeah, I love that I work all alone and I basically make my own schedule; I have a few tasks to do but I do them when I want during my shift, and they take up about a 3rd of my shift, so the rest of the time I a) help dayshifters by doing some of their chores, and b) educate myself cinematically. cough
I’ve been kind of going though the same thing in the last few months, with very heavy work weeks and a daunting amount of things to do. I’m currently looking for a new job opportunity that would give me a better life balance, even though I know that it’ll probably mean a big decrease in income. But spending more quality time with the wife and kids really is worth it.
Someone who pays rent doesn’t have the burden of a debt, but then again if they don’t pay EVERY MONTH -and quite high prices nowadays- they don’t have a roof over their heads; that is practically serfdom. In my case, my debt, which is almost paid off, leaves me with a possession, a value than I can pass on or monetize. Ergo my debt is momentary and yields value, renting yields nothing and is permanent.
If they [Someone who pays rent…] don’t pay EVERY MONTH […] they don’t have a roof over their heads;
People with mortgages also can’t stop paying without risk of foreclosure? Owners also can’t stop paying property taxes either.
Ergo my debt is momentary and yields value
Of course
renting yields nothing and is permanent.
I think differently but I don’t think it’s worth it getting into the weeds of it.
What I don’t understand why you think I’m missing any of this nuance. I found it amusing that you listed having a mortgage as a positive - or at least that’s what I understood of adding it to the list of things that contribute to having surplus cash. I still find this amusing, all nuances considered, because it’s debt. I was expecting some kind of leverage argument… looks like it’s as simple as I imagined initially.
I used to work as a fraud analyst in a call center for a financial institution, salary was great and the benefits were quite generous. Management were dillholes and clients made me lose faith in humanity quite quickly and I wanted to cry every day before work so much I was burnt out from it. Now I work as nightwatchman for a vacation resort, make less money and not much in terms of benefits but I’m easy as Sunday morning and my partner enjoys being around me again. Plus, when you consider how much income tax more I was paying before, I’m not making THAT much less when all is said an done. I was always frugal in my lifestyle anyway, I don’t drink or smoke, I don’t play video games, I don’t really go out, I learned to repair my own clothes rather than buy new ones and I don’t like brand names, and I pay a mortgage rather than rent so I have money left after the 1st of the month. So I don’t have an exciting and extravagant life, but I’m quite content.
Thank you for coming to my TED talk!
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Well, I DO 70hrs weeks, in that I work 10hr shifts for 7 days. But then I’m off for 7 days. Today is day off 1. But yeah, I love that I work all alone and I basically make my own schedule; I have a few tasks to do but I do them when I want during my shift, and they take up about a 3rd of my shift, so the rest of the time I a) help dayshifters by doing some of their chores, and b) educate myself cinematically. cough
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I’ve been kind of going though the same thing in the last few months, with very heavy work weeks and a daunting amount of things to do. I’m currently looking for a new job opportunity that would give me a better life balance, even though I know that it’ll probably mean a big decrease in income. But spending more quality time with the wife and kids really is worth it.
Like the other commenter, I’m a bit jaleous.
It definitely is worth it. And if you live around the Laurentians, my boss is hiring!
Haha, I’m in Montérégie, but thank you for the offer!
What a weird
worldcountry we live in where being in debt is seen as financially helpfulI get what you’re saying, but you’re missing the nuance entirely.
I know that it’s a tad off-topic, but now I’m curious to know what nuance I’m missing
Someone who pays rent doesn’t have the burden of a debt, but then again if they don’t pay EVERY MONTH -and quite high prices nowadays- they don’t have a roof over their heads; that is practically serfdom. In my case, my debt, which is almost paid off, leaves me with a possession, a value than I can pass on or monetize. Ergo my debt is momentary and yields value, renting yields nothing and is permanent.
People with mortgages also can’t stop paying without risk of foreclosure? Owners also can’t stop paying property taxes either.
Of course
I think differently but I don’t think it’s worth it getting into the weeds of it.
What I don’t understand why you think I’m missing any of this nuance. I found it amusing that you listed having a mortgage as a positive - or at least that’s what I understood of adding it to the list of things that contribute to having surplus cash. I still find this amusing, all nuances considered, because it’s debt. I was expecting some kind of leverage argument… looks like it’s as simple as I imagined initially.
whatever floats your boat.