target2019
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I'm working 10-40 hours from home each week, after losing the full-time megacorp gig. I am doing exactly what I said I wanted to do. Make more per hour, but work fewer hours. Do it on my schedule instead of jumping out of bed each morning for da' man.
I felt as if I was transitioning to NMY (No More Years). But now I am coming down with a case of TMY (Two More Years) syndrome. Maybe it will pass...
Last week a potential employer called, and asked me in to discuss a j*b. Have to say it went very well. I even filled out an application 2 days after the interview! There are a few unique things on my CV that a growing company would want to have.
So now I am a day or so from the deadline, where I must tell the program manager whether I want the job, so they can put together an offer.
Choice A: Stay on the same path. Work at my pace most of the time. Uncertainty about how much 1099 income there will be in the next 2 years. SWAG is about 30K per year. Of course that could drop to $0 as there are no guarantees.
Choice B: Pursue a FT j*b with benefits. Drive 30 minutes there and back each day. Certainty about W2 income for next 2 years. Guess is 80-85K per year plus 401(k) match. Don't need the medical. It would be good place to work, with decent benefits for time off and holiday pay.
With Choice A I have time to do some home upgrades myself (when motivated), but need to pay out major expenses to get home ready for sale in a few years (HVAC and roof). Retirement funds are steady, with a smaller amount added to self-employment plan.
With Choice B I would have little time to do upgrades, but would have new capital to invest in the significant repairs. Retirement funds would get a healthy shot of new contributions.
How do you approach decisions like this, which seem to be a tossup, at least in your mind?
I felt as if I was transitioning to NMY (No More Years). But now I am coming down with a case of TMY (Two More Years) syndrome. Maybe it will pass...
Last week a potential employer called, and asked me in to discuss a j*b. Have to say it went very well. I even filled out an application 2 days after the interview! There are a few unique things on my CV that a growing company would want to have.
So now I am a day or so from the deadline, where I must tell the program manager whether I want the job, so they can put together an offer.
Choice A: Stay on the same path. Work at my pace most of the time. Uncertainty about how much 1099 income there will be in the next 2 years. SWAG is about 30K per year. Of course that could drop to $0 as there are no guarantees.
Choice B: Pursue a FT j*b with benefits. Drive 30 minutes there and back each day. Certainty about W2 income for next 2 years. Guess is 80-85K per year plus 401(k) match. Don't need the medical. It would be good place to work, with decent benefits for time off and holiday pay.
With Choice A I have time to do some home upgrades myself (when motivated), but need to pay out major expenses to get home ready for sale in a few years (HVAC and roof). Retirement funds are steady, with a smaller amount added to self-employment plan.
With Choice B I would have little time to do upgrades, but would have new capital to invest in the significant repairs. Retirement funds would get a healthy shot of new contributions.
How do you approach decisions like this, which seem to be a tossup, at least in your mind?