The BEST question to ask a Financial Advisor in 2023 is: kzread.info/dash/bejne/apqKsNNtkbTdhqw.html 10 Questions to ask a Financial advisor right now: kzread.info/dash/bejne/mXV-0MpmotSqo9o.html Had a great 8+ year run as a Financial Advisor & am thrilled to be moving on to the next career & chapter of my life. I talk about it more here: kzread.info/dash/bejne/fGusz8-vhKTTo5s.html

Definitely a career changer. Majored in engineering, fixed medical equipment, did facility maintenance, currently working from home, and I just don't like what I'm doing. I'm happier when I interact with people, and I always felt like I'd be good at sales. We'll see how it shakes out!

@starfox892000

8 ай бұрын

I'm in engineering too and feel how you feel. How's it going?

@DemarcusxGuitar

2 ай бұрын

How did it go?

@JayBrie69

2 ай бұрын

@demarcusxguitar @starfox892000 Not well hahaha. I didn’t make the cut. I have the wrong temperament for the work although I have the knowledge. Switched back into an engineering role and haven’t looked back, but I have no regrets.

@andrew6226

2 ай бұрын

@@JayBrie69customer service can be exhausting, but I think it also depends on how much you want to help people in a specific field. Helping people in the medical field is different than finance industry, which is different than retail, etc etc. Hope you learned something tho!

I my friend's husband does this for a living and he makes great money. He's very good with people and it wasn't overnight but he did get all the different certifications. To be honest, once you accept that life in general is not easy, there is nothing really stopping you from trying something that can be more professional like this.

@ibringtherain7669

3 ай бұрын

I’m looking for a career change😫

Starting an internship as a financial advisor this summer. Thank you for the insight! I’m hoping that after working hard for 5-10 years I can sorta settle out and pace myself afterwards.

@Financial_Awareness

5 ай бұрын

I do not regret my 8 year run as a FA. However, I do sometimes wonder how far up the corp ladder I would have gotten if I stayed in my first career longer than 7 years…oh well. 🤷🏼‍♂️ I’m on my 3rd career now. Each time starting out well under $100k and within a handful of years I’ve been able to grow my income to over $100k…if you focus on anything for 10 years with minimal distractions and an intensity to grow/learn/improve then it will be difficult not to succeed. Hard work will never go out of style…focus on that wherever you land and outwork your peers - and you’ll be set. Good luck! Cheers!

Thanks for the breakdown! I’m a Financial Educator looking at getting into the advising career. Your channel has been a big help

Your video has been very helpful! Thank you so much for spending time on videos like these!

Great content. Thank you!

Thank you for this realistic expectation that you set for financial advising. I’m currently already in banking and looking into my future options of where I want to go next, and this was very helpful. Subscribed! 🌟

Im currently in the 4th interview internship as a FA this summer. The biggest problem I have is that not even my family will be my first clients. My circle and network are people who live in a middle class lifestyle. This will be a very difficult task for me since majority of the people I know wont be able to invest as much. Lets see how that goes this summer. Thanks for clarifying a lot of things.

@gloomsdoom649

3 ай бұрын

I am in the same boat, seems everyday more like a rich man’s job

For me is a career change. I’m in the process of gaining my insurance license through New York Life (hopefully by mid Feb take the state exam). And after that I would and will be able to get into their path program/training to become a financial advisor. And I want to specialize in financial planning and wealth management. But I’m scare as hell, because I do have debt and work two jobs. Planning to be debt free by 35. (I’m 29)

I have been in banking for 4 years and am currently a financial service officer “loan officer”. I’ve thought about FA before because my greatest skill is relationship building/communication. I’ve been thinking about starting out with companies like Charles Schwab or Morgan Stanley because they offer training for licenses and all of that. I have a passion for helping people so I think it could still be fulfilling and a lot more lucrative but I don’t know how I’ll feel about the products I’m selling. Any advice on what it would be like going that route?

Great video only thing I didn’t agree on was the very ending when you were talking about people doing there own investments. People are taking more of an interest in it which is fantastic for advisors but IMO people lack the time and effort in to being able to keep up with everything in the market like an advisor does. That’s another reason why people have actively managed accounts. They don’t want just one time advice they want continual support because they have other things to do.

Hard to find client. 😢

@11:05 yet I still meet a lot of people who don’t care, don’t have the time, or patience to learn and rather have someone else do it for them.

I love how you said do this debt free ! I’m in the process of transition to financial sales and my biggest concern is my car loan

@Financial_Awareness

5 ай бұрын

Dave Ramsey might not get everything correct, but IMO, he’s right about debt…when you have less/none you’re able to make decisions differently….and as a FA, if you have no debt it will help you advise your clients better. Just an opinion. We all have them. Appreciate you. Cheers!

I am 39 with 10 years experience in insurance sales, just got a degree in finance. Was looking at FA roles but you brought up a good point about 0 commision. Is it too late for me to look at this role? I was also looking at anlayst roles, but part of me wants that commision and motivation to work harder. I already have a really strong work ethic and I have missed sales, as I went and got a salaried role for the past 7 years.

Thoughts on buying a book of business to start out? I (32m) am a business owner. Unfortunately, I've lost passion in my company and will be parting ways. I was able to save money over the last 8 years, and I have a strong interest in personal finance, encouraging people to save and invest, and the market as a whole. Is it possible to skip a large portion of the "grinding stage"( I did enough grinding and hustling in the first 3 years of my company). If I pass the test, get hired, and get some experience under my belt, could I simple buy 1 or 2 books of business and get to where I want to be faster? Your thoughts? Thank you.

I read one of your comments and i think you mentioned something about calling everyone I met ever since I’ve been an adult. In my mind being a financial advisor was someone who is well versed in investment decisions and you have to go towards them

@wtfguysgetoutcommentator2701

9 ай бұрын

Depends which path he layed out three ways. Commission way is the most salesy and you’ll be calling everyone to sign in with you if you want that bag. The other two paths especially fee only. People come to you for it most of the time.

Hi Kyle, I am interested in Financial planning or advising, and am working with Prudential in their CDP(Career Development Program). As I read glass doors and linktree reviews I get anxious in pursuing the career. Is it worth going the route with Prudential or should I find somewhere else to work with?

I went to school and even had a few entry level jobs in financial advising. Debating if this truly is the career route for me as I consider myself more of an analytical kind of guy. I can do client relationships and I would definitely need some coaching on the sales aspect, but being analytical is definitely my strong point, but it's tricky because I love financial planning and I'm very passionate about it.

@Financial_Awareness

5 ай бұрын

After not doing a financial plan for another in a long time, it was really nice to update our own plan just last month. I feel you there. Love planning! IMO, if you focus your energy on anything else…you’ll be successful in that endeavor too. The skills you’ve created as a FA will overflow into any next career move. You’d be shocked how lazy the average 9-5 is. Doesn’t take much to put in extra effort and stand out. I’m on my 3rd career…have voluntarily left each career in order to make less money and improve our family quality of life…and wouldn’t you know it with each career I was back over $100k within a few years. Money comes and goes….spend your time with who and what you like. Appreciate you. Cheers!

I’m a soon to be graduate at UW looking at getting into the retirement wholesaling business. Entertaining the idea of becoming an FA in the future though. Thoughts on wholesaling?

How important do you think internships are going into this career? I’m a Veteran who separated and I’m fast tracking my college education, so I don’t really want to take an entire summer off for “work experience.” Is graduating with a degree in finance, plus customer service and military background enough?

I’m currently pursing an internship in graphic design through an internship but I’m exploring an option as a financial advisor

Hie I am a caregiver and I am looking into getting into that I’m not sure how to do it and the prospecting how do I do it

I just turned 18 and I’m going into college in a couple weeks and I’m pretty interested in becoming a financial advisor of some sort because I can think very logically and learn quickly but most importantly I’m amazing with talking to people and gaining trust which i know is important for this path and i was curious based on your experience if i should major in a business degree focusing on finance or a degree focusing on getting along with people like psychology, communications, or sociology.

@Financial_Awareness

Жыл бұрын

@jonathankubat7405 - Holy cow man! I’m super impressed with your intentionality at such an early age. Awesome to see. My honest reaction: if you simply apply this type of thought/effort/foresight/PLANNING into many decisions throughout your life - you’ll do just fine no matter what industry you end up in. Your plans & thoughts today will evolve and could quite easily be completely different after your undergraduate experience. There are people that major in music, never join an orchestra or symphony…and eventually become a financial advisor. People become financial advisors in many ways. Because you have more planning/prep than most, I’d recommend you go down the path of learning about whatever industry you think your practice might benefit most from and start there. If you don’t know what I mean, let me be clear: FA’s want to work with people that have money. Period. So, who has money? Lots of people. Business owners have money, doctors have money, some lawyers have money, people in technology companies tend to be paid well and have money…focus on learning about those industries WHILE also learning about personal finance and how the economy works…this way when you naturally speak with people in those industries you’ll speak just like them, use jargon just like them, and will increase your chances of earning credibility faster with them because you’ll be able to translate complex financial concepts into “their jargon” which will result in them feeling like “you really get them” and that’s how you’ll earn their business as a FA. If you have the ability to pick your friends (not likely), they’d be pre-med or tech-based majors…but listen to what I just said…”pick your friends” - who says that? I’ll tell ya who: sales people. And that’s what FAs are at first…sales people. So, also, while in college…try out sales. See if you like it. See if you make any big commissions. You might hate it. You might love it. If you hate sales, but love finance/economy then you could go down the road of corporate finance type of position….less sales and more tax/finance/accounting driven. I’ve got some videos on tax that you might be interested in if you ever make any 1099 side hustle money while in college. Don’t be afraid to just be a kid in college. You don’t have to have it all figured out. I’m still trying to figure stuff out. Lol. Cheers man!

@f1y_str8

5 ай бұрын

@@Financial_Awarenesslove this reply. I am 20. I have no more friends I did sales made big commissions was on a path to making 200k sterling a year until I went to Egypt for holiday. I want to help people invest into cryptos and commodities etc even your path is awesome. I have a undergraduate in ICT and big experience in sales business start ups and IT support with ROBLOX so I must be able to land? I don’t know where to start really so I’m just getting tucked in to learn from you and subscribed. Thank you for your kind value sir

Career changer from AT&T retail!

Thanks

What's your opinion on New York Life? I got my life insurance license through them, and i like NYL, and am thankful-- but it wasn't going to work out for me at that point because I don't know alot of people. Currently i have my life and P&C license, as well as real estate, working for State Farm right now. However, I'm thinking I'd like to move upwards into financial advising and more commercial side of things. Part of my allure to financial advising/NYL is the professionalism, dress code, the atmosphere, which I suppose sounds silly, but I've always wanted a job where you have to dress professionally, in suits.

@petersmithyy4556

4 ай бұрын

I am with you on that, I prefer professional looking and people even in today's world do take you more seriously

Currently I’m a truck driver with an ag business degree and I’m really not satisfied with my career. Looking into different options!

Someone I know he works in an office and he makes so much money he advising clients where to put there money what role is this? And how to get in ?

How do you think AI will impact Financial advice/paraplanners? Office based roles i npension admin, for example, look like they will be heavily affected/replaced.

@Financial_Awareness

5 ай бұрын

I mean, I left the industry sooo. 🤷🏼‍♂️ IMO, there will always be a client that will want the kneecap-to-kneecap convo. That’ll never fully go away. …but the masses…yeah, I think the smarter retail clients get and the ease of access to info AI will provide, it’s not hard to think of how easily someone could whip up a basic financial plan/investment advice. Appreciate you. Cheers!

I’m 25 and a Branch Manager at a bank in Oregon. I definitely think the FA route is best for me but I am hesitant to join a larger sales role. My question would be, are you mostly selling yourself as someone who gives good advice and will work hard(something I’m better at) or are you selling specific mutual funds and that’s how you focus your sales pitches? I feel strongly on the side of passive investing and I don’t want to believe that but then have to sell a majority of actively managed funds that I truly don’t believe in as the basis to an investment plan? I understand there might be less money in a fiduciary but is the money I could make comparable or any better than the average branch manager? Thanks!

@FraldinhoBJJ

6 ай бұрын

I don’t think it really matter. I sold cars, mortgages , and real estate . If you can close , you can sell anything

Career changer

Is there not a financial advisor position for an employee???

At first, I was interested in a science degree or some other type of degree, but biology and anatomy are where it really shows you how hard the degree will be, so I came to a good second subject for me and that's where financial advisor came to mind. I'm a sophomore in college working toward my master's, and many people keep telling me how uncomfortable it is. Since I've never had a close relationship with a financial adviser and these videos are the sole source of information for me, I'm debating whether or not this major is worthwhile. Do you have any advice for me that benefited you, or can you share your experiences as a financial counselor with me?

@Financial_Awareness

Жыл бұрын

@ammartuhlawi9600 - There are several ways to find success as a financial advisor. Due to the path I took, the best advice I implemented and would recommend to others would be to recognize the traditional sense of a financial advisor (on a day to day basis) is that it’s a sales job. You can be the smartest FA on the planet, but if you have no clients or money to manage then your knowledge learned in college is useless. Once you realize sales skills are required, start to learn sales…this will tell you immediately whether or not you have the stomach for it. As I’ve said in this video, it’s hard…and if it was easy, everybody would do it. If you’re a sophomore in college then you’ve got plenty of time to map out your course or change courses. I’m on my 3rd career…have made 6-figs each time I’ve made the jump…if you have a good work ethic and work in the right industry, making money isn’t hard…what’s hard is developing your own personal financial behaviors that will help YOU promote within your own life - a desire to live below your means so that one day you won’t need to work anymore. Sorry for the long rant. Best of luck to you! Appreciate you checking out the video and channel. Cheers!

Hi can you share content on how is it advisor development program at Merrill? Do we have to find our own clients after getting licenses?

@ciarastorts5719

2 ай бұрын

@eli hi, I’m looking to start in their program! Did you end up making that change to Merrill?

What are some internships you recommend that will help to become a financial advisor?

@Financial_Awareness

Жыл бұрын

@eaglehead6085 - What’s up man! Lots of great internships out there. Depends on the kind of advisor you want to be and the clientele you want to have, but as you’ve heard me mention in several videos, being a financial advisor has many “sales” related components to it. What helped make me successful as a FA in the beginning wasn’t how smart I was about investments or Roth vs pre tax…it was my sales skills. Develop those and do what’s in your clients’ best interest and you’ll go far. Are you looking to start the career as a FA or are you a FA? Appreciate you taking the time to check out this vid!

Hey i am a server a 24 year old and i have a bachelors degree in hospitality, currently getting a masters degree in business administration in hospitality and tourism i am planning to switch my careers and don’t know where can i start from. Can you provide me with some insight or any references that i can look into so that i can research more and start with it. It will be really helpful. Thank you

Bachelor of Economics, finishing my mandatory year of military service, looking to start my career

I expect to be leaving the Army in less than a year and for the last 5 years have been studying IT and an opportunity to become a financial advisor came up and now I am just curious as to what is truely involved in this journey. Currently studying for my SIE certification and I really want to know if this path will be for me or if I should continue my journey in IT and come back to finance later if IT no longer interests me.

@Financial_Awareness

5 ай бұрын

Thank you for your service! My grandfather (born in Germany) earned his citizenship by serving 3 years in the Army. Go Army! (but my dad is Navy!) lol If you out in the work, this is a very rewarding career…it certainly has pros/cons. Weigh your options carefully and do what you think is best. Appreciate you. Cheers!

I'm 23 and I've been a Real Estate Agent for a year and a half and have had 13 transactions since I started. I quite literally stumbled on an opportunity to be a financial advisor for a Fortune 250 company (I don't even have a business/finance degree) and I'm highly considering the switch because of all the benefits it has that Real Estate doesn't offer. Just got out of my 4th interview and I'd love any input you can give me on how to make sure I'm making the right decision.

@Financial_Awareness

Жыл бұрын

@trebarnes4163 - Honest reaction: only you will know if it’s the right decision or not. I haven’t walked in your shoes and am unfamiliar of your struggles - nor am I seeking you to share them. This could be an incredible decision for you. When I started my FA career I was 28/29’ish and had my Broker Associates License in FL so I could open up my own practice one day and recruit/train RE agents under me…that was my plan had I not become a FA. Had my first agent lined up and all. To be honest, you’re already in sales. You’d be going from a sales job to a sales job…just a nicer, Fortune 250 office prob. You’ll be calling all your old clients and anyone you’ve known since being an adult. At age 23 it could be the best decision for you, but because you’re asking my opinion……I was a career changer & I felt as if I had successfully navigated “life’s financial decisions” well-enough that when asked (by clients), I would advise them where they were going wrong or what they should be doing. I was successful at this because I lived it first and my tone/clarity/conviction came from just that - experience. You’re 23 with no finance degree or experience. They are in love with you because you’re probably good at sales and have proven yourself over the last year and have likely put “your best foot forward” in all 4 interviews - an awesome feeling! If you love RE then keep going, challenge yourself, and expand. Find someone more successful than you and shadow/learn. RE is amazing and if you stick with it you’ll learn much more than being a FA…but only if you learn/grow. If you’re tired of RE, have you really given it your all? 13 transactions? Why not 18? My best month I closed 4 and I wasn’t even top 10% back then. You might have more in ya. If you’re confused, looking for something new, tired of your surroundings…I get it. You’re only 23…give it a try!!! 🤷🏼‍♂️ Worst case, you learn a TON of new sales stuff and you pivot again in 6 months. Just don’t go into debt to cash flow what you think the FA lifestyle should be. It’s sales - don’t forget that. Sorry to be a hater. Lol. I’m sure you’re an awesome person or they wouldn’t have asked you back 3 times. Appreciate you checking out the vid/channel.

@trebarnes4163

Жыл бұрын

@@Financial_Awareness Couldn’t have asked for a better reply and I appreciate your honesty. My father got his brokerage license a few months ago and has been an agent for 10 years. That is a large part of my success. I’m not really looking for something new, but I always had an itch to learn more about finances as I come from extremely humble beginnings! I think I’m going to see it through and try it out, I know if it doesn’t pan out enough in 2-3 I can always fall back on RE. Thanks again for your reply and I’ll definitely be hanging around your channel more often!

@Financial_Awareness

Жыл бұрын

Having the help from your father is huge. Massive. Complete game changer in your story. Under his wing and with your skill set you could go far. Just please don’t come calling me about my whole life plan…I ain’t movin’ no matter how cool your dad’s products are. 😂 (you said ‘agent’ so I had to poke fun) Lol. Good luck Tre! Be good for your clients, do right by them, earn the right to ask for the referral and don’t ask until you add value…follow those rules and you’ll do well. Cheers!

My question: Who did you start with?

Is it worth doing later in life as a 2nd career? I'm kind of burnt out on the current career.

@Financial_Awareness

Жыл бұрын

@semosancus5506 - In my opinion, yes. However, please understand my opinion is biased…because I was a career changer into being a FA. Also, it’s weird that I left…typically after 5 years there’s a 98% chance of never leaving…and I left after 8+ years. I’m weird like that. Lol. I believe when you convert to becoming a FA after having experienced at least one career (or more), you’re able to bring a little more credibility to the table when discussing financial products and concepts to your clientele. However, as I’ve mentioned in a few vids, this is a sales-heavy field (at first at least). You’ve really gotta grind and sacrifice to do it right in the first 1-3 years in order to set up the rest. Also, if you have a spouse like I had then your career change will be smoother than others. Having my wife’s steady nursing checks hit every two weeks helped a lot in my first year as a FA, but I did have a decent first year despite the lulls. It’s been my experience people leave a boss more often than an industry. If that might be your story then I’d encourage you to think about “running towards something exciting and new” as opposed to “running away from a situation you despise.” Being burnt out is ok…very normal - don’t feel bad about that, but also don’t let negative thoughts creep in. Develop a plan, edit/tweak it, and then TAKE ACTION in some way/shape/form. Taking action will help you feel like you’re going somewhere and you’ll immediately feel better. Here are some other thoughts for you…please focus on #3: kzread.info/dash/bejne/lp6hxMmxgZqXf9o.html Also, I like the vibe of this vid for anyone feeling burnt out…watch this vid: kzread.info/dash/bejne/ioRqj62rcrjQprQ.html Hope some of that is helpful for you! Keep your chin up…I’m sure you’re an awesome person. Cheers!

@semosancus5506

Жыл бұрын

@@Financial_Awareness I agree with you that the industry is moving towards fee-only advisors. I would be looking to be a fee-only guy to supplement my income in a semi-retirement phase. Financially I could retire with no problem, but I'm still fairly young so I figured I could do fee-only financial advising. I wouldn't be selling a thing except my time to review your portfolio and answer questions / provide advice. My target audience would be 50+ year olds and how to get themselves properly aligned for retirement. Get them thinking about Roth conversions, HSA, when to take social security, etc. I already understand all that stuff and I've even written software to do many of the calculations and scenario evaluations for myself. So I'm well versed, I just need to do the work to get the license so I'm above board when helping other people through this stuff. My wife is also a nurse! and younger than me so she will still work and I'm just looking to pick up 10-20 hours a week to keep myself entertained with stuff I like. If I only do 2 hours one week because there are no clients, it won't really impact my ability to eat and live.

How can i start and develop my skill for FA.

@Financial_Awareness

5 ай бұрын

Learn how to sell eskimos ice. lol. Start with learning proper listening skills and develop really good open-ended questions. Then work on your tone of voice. Then work on your body language. Then combine it all and provide advice that is in your clients’ best interest from what you’ve learned about their personal situation. Not a bad formula. I’m only speaking from my experience though…lots of ways to find success. Appreciate you. Cheers!

Career change!

I am a Financial Adviser in South Africa. My problem is not interacting with client and giving good advice , but to generate more clients regularly. What is your advice on generating more clients on your books? Did you work with Leads companies who provided "potential" clients or how did you manage get phone 40 people a day?

@Financial_Awareness

5 ай бұрын

As a career changer into the industry I had over 430+ contacts to call in the beginning of my 8-year run as a FA. I never purchased leads. Always did what was in my clients’ best interest. Always told them ‘how’ I was doing it in their best interest. Then I’d eloquently ask for referrals. If you don’t have the courage to ask for referrals OR if you’re not working hard enough for your clients to provide you with referrals then there’s some recalibrating that needs to happen. Also, I made 40 dials/day quite often, but I wasn’t successful doing it everyday. Appreciate you. Cheers! Hope all is well and safe for you in South Africa!

I'm a career changer and you and I have definitely led similar paths. Banker for 3 years, Real estate agent for 14 years, and now I want to change into being a financial advisor. I'm almost 40 years old, am I showing up too late to make a rewarding career out of it? -Respectfully, Derek

@DreDaysList

7 ай бұрын

You’re never too old to start something new!

@Financial_Awareness

5 ай бұрын

As long as you know you’re going from a sales job to another sales job then your expectations will be properly set. For me, I was tired of selling people on why they should make smart financial decisions. My sales language got so good I’d talk clients out of doing business with me…which lowered my income, but improved client retention and relationships. Like Dre said, you’re never too old!

My son is graduating with his MBA and was wondering if this was a good career choice for him

Both a career changer and a student going into my bachelors

Great video top man 🎉🎉 hope for a reply

@Financial_Awareness

5 ай бұрын

Hey Clint! Man, I used to be soooo good with my replies. It helps the algo and I was once on top of each one so quickly. 🤷🏼‍♂️ Appreciate you taking the time to invest in yourself by watching finance vids on YT. I enjoy long form video format myself. Cheers!

Retired military

@Financial_Awareness

Жыл бұрын

@kennytrimm6234 - Thank you for your service! Many folks I know that served also had a military pension they were able to live off of while building up their practice. Many great attributes one can take from a military career into financial services. Appreciate you taking the time to check out this video! Thank you.

In 2023, the role of a financial advisor continues to be an exciting and dynamic career path. This video provides valuable insights into the skills, qualifications, and opportunities available in the financial advising field. With advancements in technology and an increasing focus on holistic financial planning, financial advisors have the chance to make a significant impact on their clients' lives. If you're passionate about helping others achieve their financial goals, consider a career as a financial advisor in 2023.

Im a fr in college 😭

You were not a financial advisor, though. Within the first minute of the video, you revealed that you did not obtain the Series 7. You were an insurance agent or broker who was able to sell mutual funds and do fee based planning, but you were not able to sell individual stocks, bonds, and options.

@Financial_Awareness

Ай бұрын

You’re not wrong. No argument. Best way to respond would be to say: ask my clients what I was to them…and they’ll tell you. IMO, I was a higher quality financial advisor to those I worked with. I simply got referred to so many people that weren’t even able to pay down enough debt & put enough into retirement that I was never able to find traction and gain momentum in the HNW people arena. I tried to “prospect up” and work with higher income/asset clients, but I was more successful in making a larger impact on “normal people” that weren’t overloaded with a boat load of non-qual money that also had the risk tolerance for individual stock positions. …but I most def was a FA. Appreciate you checking out the video! Cheers!

I have no career. I’m a former housewife of 20 years… maybe that was my career. Anyway I have 2 jobs that don’t pay the bills, a house note, a car note, and no retirement. I need a career and maybe some miracles.

@Financial_Awareness

2 ай бұрын

Thank you for being a mom of 20+ years. What an awesome life! My mom never went to college. Her career was raising four boys and her career took a backseat. So I can relate with you a little there watching her save as an adult. It’s not easy and it takes time and it may go slow…but you will need to recalibrate your ability to save for retirement if you’re just not in a position right now to save aggressively. To help herself get out of debt, my mom created a cleaning business for a little over two years…she’d come home from her 9-5 and clean weekdays and some weekends. It was a grind. My older brother allowed her to live rent free with him for years while she did it…I bought her a car for cash to also help her (just a small $5k car back in 2007)…and the four of us chipped in to help her purchase her first home several years ago. If you have a good relationship with your kids & they are doing well enough to be able to help…then this is a possibility. Even if it is not, probably a good idea to watch one of my retirement planning videos and create your own financial plan, based on your goals, then tweak the numbers a bit to help you better understand when you’ll be able to no longer work. If possible, aim for age 67…it’s common for those who start saving late to have to…retire later. At 67 you’ll receive your full ssa benefits and not just a partial benefit…age 67 will also allow you to work longer than some financial plans project (which is usually 60 for those that started saving earlier. You got this!!! Changing careers and/or jobs is usually a faster way to make more money…addicting a 2nd income is helpful, but tough to do that long term. Cheers!

@MCL46

2 ай бұрын

@@Financial_Awareness Thank you so much for the in depth response. You are part of a beautiful family. Your mom is blessed and a blessing. I will take your advice and watch some of your retirement planning videos to help me create a retirement plan for myself. I’m subscribing. When I figure this out, I want to teach others. God bless you!

@kelanihendricks100

11 күн бұрын

Hi, I read about your situation and wanted to tell you about an amazing career called sonography. It’s a great paying career that can be done in 2 or 4 years (most programs are 2years and that’s the main standard). It’s know to have great work life balance, low stress and very good on the pay especially when you get 1-2 years of experience and can go into travel sonography!Most of the programs can be done at a community college as well! There’s many specialties and the best paying are echo/cadriovascular(heart), vascular(veins), neuro(brain, carful tho cause people say there aren’t many jobs in this one), obgyn. Lastly make sure the school you pick is CAAHEP Accredited (if not you won’t be able to sit for the ARDMS exam and it’s harder to find a job. Also probably impacts pay) Use the CAAHEP website to search for sonography programs : www.caahep.org/students/find-an-accredited-program Hope this helps!

I’m 19 years old and getting ready to go into my sophomore year of college I’m getting a finance degree I want to know how hard it is to get the job? I know it’s gonna be a hard job I’m willing to work I just want to know if I’ll have a job right after college?

I’m a highschooler🥲

Jonny sins is that you ?

Thanks jonny sins😅