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Am I semi-FIRED?
Old 09-08-2012, 01:22 PM   #1
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Am I semi-FIRED?

Factory work is too painful so I quit my fulltime job and am now going to work 15-20 hours/week delivering pizzas. I will also give plasma a few times per month for an extra couple hundred dollars. I figure I should be able to earn within $100-200 of my low monthly expenses. The rest will be covered by savings which should last at least 35 years at which time i'll be 68 and eligible for SS. This clearly isn't an ideal situation but full time manual labor doesn't seem to be an option for me anymore. Over-the-counter pain meds don't cut it and prescription meds and machinery don't mix.

So, can I claim to be semi-retired at age 33?
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Old 09-08-2012, 01:35 PM   #2
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If manual labor is no longer practical due to health reasons, then perhaps changing careers would be a good idea.

However, if you are satisfied to have topped out in your contribution to the world and that you life has meaning by delivering pizzas part time and selling your blood products at 33 for the rest of your life, then claim it.
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Old 09-08-2012, 02:01 PM   #3
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Aaron I certainly wish you well with your plan, but for what its worth, I am on skipros side. Planning the next 3 plus decades on optimal assumptions from minimal financial resources has a potential land mine of disasters waiting for you. Surely there is something in the workforce that would motivate you in a way that could not only strengthen your financial long term viability but also maybe give you some enjoyment from, too?
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Old 09-08-2012, 04:01 PM   #4
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If manual labor is no longer practical due to health reasons, then perhaps changing careers would be a good idea.

However, if you are satisfied to have topped out in your contribution to the world and that you life has meaning by delivering pizzas part time and selling your blood products at 33 for the rest of your life, then claim it.
I did change careers. I went from factory work to pizza delivery.

I couldn't care less about my "contribution to the world" or "life meaning". I'm just trying to survive.
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Old 09-08-2012, 04:14 PM   #5
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I did change careers. I went from factory work to pizza delivery.

I couldn't care less about my "contribution to the world" or "life meaning". I'm just trying to survive.
I meant no offense. You outlined a 'FIRE' plan of 35 years taking you out to age 68, not a short term survival plan. Please excuse me.
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Old 09-08-2012, 04:51 PM   #6
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What kind of SS would you be eligible for?
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Old 09-08-2012, 04:58 PM   #7
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What kind of SS would you be eligible for?
Same as anyone else who's over 62? That may be changed to 65 by then.
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Old 09-08-2012, 05:05 PM   #8
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Check your car insurance--it might not cover making deliveries (a friend's son learned that the hard way).
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Old 09-08-2012, 05:25 PM   #9
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Hi Aaron. I don't know much about your history, so forgive my question. Have you tried any of the self assessment quizzes available that might help you find a job that meets your skills and physical capabilities ? I think it would be great for a person to be SER'd at 33 but there's so much risk involved with planning out so many years. I know you're in survival mode right now but I also hope you're not just giving up on the future.
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Old 09-08-2012, 06:08 PM   #10
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Hi Aaron. I don't know much about your history, so forgive my question. Have you tried any of the self assessment quizzes available that might help you find a job that meets your skills and physical capabilities ? I think it would be great for a person to be SER'd at 33 but there's so much risk involved with planning out so many years. I know you're in survival mode right now but I also hope you're not just giving up on the future.
Yes i've done those quizes. They all say accountant or something else related to data and numbers/money. They all require a college degree which I don't have and won't get. I'm not college material. I got a 18 on my ACT after 3 attempts. I failed almost every test I took in highschool despite never skipping a class and studying for every test. Some people just aren't meant for college and without that piece of paper it doesn't matter what i'm good at i'll never get that type of job.
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Old 09-08-2012, 06:22 PM   #11
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I would concur that you are probably semi-fried. Seriously dude you are selling yourself short. You may not be college material but there are plenty of non manual labor jobs that you could pursue that would give you a much better standard of living. As for SS, how much you get is contingent to how much you contribute during your working life so don't count on a windfall from SS.
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Old 09-08-2012, 06:36 PM   #12
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You may not be college material but there are plenty of non manual labor jobs that you could pursue that would give you a much better standard of living.
Such as?? Keep in mind I am as far from a salesman type person as you can get.
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Old 09-08-2012, 06:42 PM   #13
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Such as?? Keep in mind I am as far from a salesman type person as you can get.
If you can drive your car to deliver pizza you can get a CDL and get paid considerably more for driving someone else's vehicle. Or did I miss your reason for rejecting this idea?
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Old 09-08-2012, 06:55 PM   #14
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If you can drive your car to deliver pizza you can get a CDL and get paid considerably more for driving someone else's vehicle. Or did I miss your reason for rejecting this idea?
The last time I drove to Chicago I nearly got out of my car in bumper to bumper traffic because my leg hurt so much from using the clutch. I traded that car in right after I got back home. I can only assume the clutch on a semi will be worse sense there are so many gears. Someone said recently that the new semis can be shifted without using the clutch so maybe i'll have to look into that.
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Old 09-08-2012, 06:58 PM   #15
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Someone said recently that the new semis can be shifted without using the clutch so maybe i'll have to look into that.
I think that's something definitely worth following up.
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Old 09-08-2012, 07:02 PM   #16
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Such as?? Keep in mind I am as far from a salesman type person as you can get.
You are only as limited as your imagination, look on Cl, the help wanted ads, there literally thousands of jobs that don't include manual labor or sales for that matter. But one thing you will alway have to do, and that is sell yourself to a prospective employer.
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Old 09-08-2012, 09:18 PM   #17
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Yes i've done those quizes. They all say accountant or something else related to data and numbers/money. They all require a college degree which I don't have and won't get. I'm not college material. I got a 18 on my ACT after 3 attempts. I failed almost every test I took in highschool despite never skipping a class and studying for every test. Some people just aren't meant for college and without that piece of paper it doesn't matter what i'm good at i'll never get that type of job.
If you have the aptitude, there are lots of accounting clerk/data entry and other office jobs out there that do not require a degree and would pay more than pizza delivery. I think you can do better. You may need to start out at the bottom of the ladder and work your way up.

What do you like to do? What do you enjoy?
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Old 09-08-2012, 10:54 PM   #18
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I delivered pizzas for about five years, from age 26 to 31, in the wake of my bad divorce. It was great for a while, but as I got older, out of debt, better off financially, and started valuing my free time more, I started phasing the job out.

Having a string of increasingly bad management, and a road-rage incident the culiminated in near head-on-collision also played a role in phasing it out!

In my case though, I had a full-time job, and the pizza delivery was on top of that, so that's where the lack of free time came into it.

You can actually make some pretty good money if you start picking up some closing shifts, especially Friday and Saturday night. I used to average about $15-16 take-home (tips plus the weekly paycheck). However, I didn't have insurance or 401k to deal with, as I got that through my main job.

On the down-side, I'd often put 200+ miles per night on the car. And the cars did break down a lot more often, and needed more maintenance. And I did have one car get totaled, when I got t-boned in the parking lot by a girl who ran a stop sign.

Admittedly, there was something satisfying about that job. The harder you worked, the more effort you put into it, the more money you made right then and there. So you could see the results of your hard work. If you were lazy and slacked off, you didn't get as many deliveries out, you didn't get the best shifts, etc. In contrast, at my office job, you could work your butt off and, if you were lucky, get a 3-5% raise. Be mediocre about it, you still might get 2-3%. Slack off and you might still get 1-2%, and job security was right up there with the Pope!

I don't know that I would depend on pizza delivery though, as my only job for the long-term. It can be hard, thankless work that gets tiring as you get older. Plus, it can be downright dangerous!

What about a job waiting tables, or bartending? It would still bring in a lot of cash money, but without the added automotive risks.
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Old 09-08-2012, 11:23 PM   #19
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Having a string of increasingly bad management, and a road-rage incident the culminated in near head-on-collision also played a role in phasing it out!
And this is what you are currently planning to do for the next 30+ years?

I think you need to stop feeling sorry for yourself and look for alternatives. Maybe it takes you a few more years delivering pizzas to work that all out, but there must be more lucrative options available that you would enjoy.

Also, many people struggle with college through ADHD or other complications. Perhaps consider investigating those possibilities. And finally, many successful careers start without a college degree. Don't give up on the possibility of more interesting and rewarding work just because you don't finish college.
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Old 09-09-2012, 01:12 AM   #20
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Aaron I certainly wish you well with your plan, but for what its worth, I am on skipros side. Planning the next 3 plus decades on optimal assumptions from minimal financial resources has a potential land mine of disasters waiting for you. Surely there is something in the workforce that would motivate you in a way that could not only strengthen your financial long term viability but also maybe give you some enjoyment from, too?
+ 1

As much as I hope everything works out well for you, it does not sound like you have much of a safety margin for when something goes wrong - and over 30 years you would expect several something's to happen which could derail your plans.

The good news is that if you are working part time, you should have time to invest in your skill set.
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