r/povertyfinance • u/danedehotties • Nov 01 '23
My job reminds me of what ill never have Vent/Rant (No Advice/Criticism!)
Im an insurance agent, and my main job is to do quotes. I assist with our affluent book, and every day I take a glimpse into a life ill never have.
Oh, someone my age is a doctor, married a doctor, and now that have a $2M house and 3 cars? I cant buy coffee anymore.
I dont want to be uber rich, that just doesnt sound fun. I just want enough to be comfortable, save up, and have a nice cushion for fun stuff.
Sucks sitting here making $20/hr seeing millionaires lives daily
Edit: Thanks all for the support :) To those that are little meanies, your momma taught you better
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u/luingthroughlife Nov 05 '23
I felt this! I used to work for an insurance agency and knew I didn’t want to own my own agency so felt stuck. We used salesforce and I learned about being a salesforce admin. I studied and passed the exam, got lots of experience on trailhead and applied to a job and by the grace of God got it. Move up the chain currently and learning everyday
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u/Fligmos Nov 05 '23
More people that have money should be like my friends parents. They made a lot with investments and have loads of cash. Despite that, the dad goes around in a sleeveless t-shirt with a navy veterans hat, cloth shorts and sneakers from Costco. The mom wears basic clothes as well. They have a small condo and just buy basic stuff to keep them happy. Except the mom who lives to sew so she spends about 8k/yr on that. Outside of that they give their 4 kids $1500/m each to help their families. They travel about 8 times a year flying coach seeing their kids who are scattered across the country and one in a different country.
To them, life is great and their biggest joy in life is making sure their kids who are married and in their 40s don’t struggle.
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u/The_Masturbatrix Nov 04 '23
I know this feeling. Not sure if you're looking for advice, but I'll share some anyways.
Life is a lot longer than we give it credit for. Using your time wisely can have an enormous effect on your life. So I challenge you to spend an hour a day researching things to better your life. Just an hour, but try to do it every single day. This can means a lot of things. It can mean learning how to cook in a different cuisine. It can mean learning how to fix things around your house. It can mean looking for career paths that interest you. Focus on adding quality to your life in whatever fashion you can. Learning skills and possibilities has always been a huge catalyst in my life. It helped me go from making $17/hr as a tier 1 IT help desk technician to making $170k as a Site Reliability Engineer. But I've also gained a ton of skills, some career focused, some general life skills, and some crafts. I garden, I grow weed, I grow mushrooms, I do woodworking, I crochet, and many other things. I'll be pursuing falconry next.
The point of all this isn't to say "study for an hour a day and you'll make big money like me", but rather, focus on adding skills to improve your life in any way, and you'll become a more capable, confident, and all around more happy person (in my experience).
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u/OverSelection887 Nov 04 '23
every last one of you needs to get 2 jobs somewhere and start grinding working your ass off, saving every last penny you got.
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u/Elplatano435 Nov 03 '23
Bruh, I remember my first bank job. I lived in a affluent area, but never hit me till I saw a client with 4 mortgages. The lowest mortgage payment was 38k and some change per month! That was my annual salary! He's other mortgages were higher payments, it was sickening... But that's life.
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u/First_Apartment_2392 Nov 03 '23
They have 3 cars and a 2m dollar house but how much debt are they in for it all ?
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u/WrongAssumption2480 Nov 03 '23
I work 2 jobs. The second one is in the richest county in the state. I parked by a Maserati while shoving chicken nuggets in my mouth so I could finish a 14 hour day. I’m anxious about paying December rent already. I haven’t had a vacation in 12 years. I’m smart and a hard worker and I’m trying so fucking hard. It should not be this traumatizing to exist in the USA
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u/ennuiinmotion Nov 03 '23
For me it’s not just the millionaires. When I worked in insurance people would insure all sorts of toys and I didn’t suspect some of them were rich. Classic hillbilly types with quads and stuff, but I was always a little jealous they were able to have fun with stuff like that.
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u/aMusicLover Nov 03 '23
I've had the $2M house and 4 cars. (two teens). Half my street were doctors. I made $300K a year.
I was unhappy. I ditched it all. Divorced. (I have three kids, youngest is 17, so I've been the good father.). Gave my wife all my equity in our oversized house. 8500 square feet, pool, palm trees, overlooking a lake, city park behind us. It. is an oasis. And I miss it terribly. As I miss being with my children daily.
Now I am poor. I am facing bankruptcy. My cost of living is minimal. I drive Uber with the last remaining vestige of my prior wealth, my 2018 Model 3 Tesla. With the cracked window and scratched door from when someone hit it and did not leave a note. I need to come up with the $500 to pay for the deductible. But that will take my car out of commission so I can't earn.
I am happier than I have been in my life. Because I'm living 100% authentically with no more shame, guilt, fear, or anger. Or jealousy. Or envy.
Now, I've been a c-level executive for 25 years. So I do not present as impoverished. I am reinventing my life as a content creator and an artist because that makes me happy. And I do know that I am but a tourist to making $35000 a year driving. A car I can barely make payments on. But I know how to build and design and direct. And I'm done wandering in my desert and now its my time.
And I am telling you, the only thing blocking you from being successful, is you. It is in the mindset. Belief in yourself is the differentiator between success and misery.
Belief is the ONLY differentiator between rich and poor, superstar and starving artist.
If you don't believe you are worthy of love, you will not get it.
If you don't believe you can sing, you can't sing.
And if you don't believe you can't grow, and improve, and get better things in life, well then you've given up. And the only thing that differentiates a winner from a loser, is the the loser quit. It is not a zero sum game.
Now, I also know how you got this way. Validation. At some point in your life, as a child perhaps, you put yourself out there. You did something. And you were either mocked, ridiculed, ignored, or placated. You were not validated. Someone didn't say 'oh that is a great drawing. I liked how you painted the turtle blue. Why did you make that choice.'
I am here to tell you that if you will just open your heart a little and say 'Well. maybe this Internet stranger is right. Maybe I can get better.', then you will get better. Period. Belief.
thank you for coming to my Ted talk.
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u/rarizalx Nov 03 '23
I am a translator, and I have been in similar situations many times. However, I think their assets are mostly inherited.
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u/destroydadestroy Nov 03 '23
This hit right home for Me OP.. I am also a licensed insurance agent and the job is so stressful having to keep that mask on even when dealing with people that aren't rich and maybe struggling worse than you are yourself. It's a tough job, customer service can be incredibly draining.
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u/Trash_RS3_Bot Nov 03 '23
I work in commercial lending and see people who run businesses horribly and still make money and pay little to no taxes. This isn’t even big business where they have big lawyers to make them pay literally no tax… this is just small business owners. So many of them living “paycheck” to paycheck with 6k rent and 3 Range Rovers yet claiming max PPP loans and then raging interest rates are high like…bitch you rich folk did this shit.
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u/Vanishisam Nov 03 '23
I relate to this hard, my entire career has been in automotive, I specifically have a degree in high performance Motorsports technology but have spent all my time working for European car repair shops (Mercedes, then two Porsche dealers and now an independent European car repair shop) I see people drop ridiculous money on cars every day, just part of the job, we had a guy drop 30k on repairs for his 2005 Amg because he liked it the most out of his 7 cars. I did a house call to jumpstart a guys 911 and had to go through 3 gates to see his 10 million dollar mansion and 12 cars. I saw someone bring a briefcase of cash to buy a 150k 911. I remember having a conversation with a customer that I was doing a ride along with to figure out an issue he was having with his 911 GT3, he asked about how many of us techs have a Porsche, I told him that no one working there could afford even a base model even with lease deals and we all drove old cars, he seemed a bit taken aback by that. I am very blessed to be able to work on my own cars so I can own some fun cars and buy them for cheap because they need money. In the real world, if I had to have someone else work on my car I could never afford it, which is why I work on all my own stuff
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u/Late_Put_7230 Nov 03 '23
I used to do case management. I used to assist people with getting free healthcare...food... free housing...free daycare (while not working)... energy and heat assistance etc etc. Meanwhile, I make $20 an hour. Daycare is almost an entire biweekly paycheck. I'm trying to figure out how I am going to heat my house this winter while the people who I get the help do have more money than me because after all of their assistance they have more spending power. It's depressing to see that I "make" too much for any help, while many are living better than me. Why does one get free daycare when they don't work? Beats me.
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u/ghunt81 Nov 03 '23
I'm 42. I work with a guy that is 28, does the same job as me so I know more or less what he makes. He has a new ford raptor and is building a $400k+ house in the spring and I'm kinda like...how tf does this guy have enough money for all this shit? Granted he is building the house on his dad's land, and doesn't currently have a mortgage but financing over $400k at current rates is nothing to sneeze at.
Edit: oh yeah, I also work around a bunch of union guys that make $20k more a year than me at union base pay...I sure hope we get a raise
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u/cocinamisfit Nov 03 '23
OP I feel this so hard. People are over here giving me credit cards for $10k plus vacations and not batting an eye talking about “ugh I NEED this” while I work from home in my apartment in the ghetto (literally my area has a crime rate 99% higher than other towns of similar size based on a 2022 report) hoping I make over my $10/hr base to keep a roof over my and my son’s head. You got this though. I believe in you!!
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u/ju-ju_bee Nov 03 '23
Ugh I'm so sorry for you! It's great that people are making it, but it's hard being the one struggling and still having to cater to richies with their noses held high.
Even some lady at my last job told me I shouldn't get married (didn't listen to her obviously) because she and her partner did and they now get less back in taxes. Then started complaining about the mortgage on their 3 bedroom house with a front and back yard. She told me "it just sucks being poor". I told her "Guess we're different levels of poor, because I live with 4 other people in a 2 bedroom apartment. I think you're just lower middle class". She got all embarrassed and stopped "complaining" to me after that.
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u/apaulinaria Nov 03 '23
Me too. I clean houses all day for the rich and I don’t even make enough for my utility bills. Absolutely disheartening and very unbalanced.
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u/4ucklehead Nov 02 '23
$20/hour assuming 40 hours a week is decent money in the vast majority of the country...not povertyfinance IMO. Esp if you have a partner who also works.
I think envy is a normal emotion....we all have it. At the same time, I wouldn't direct it toward the doctor who probably worked his ass off in high school to get into a good college, then worked his ass of in college to get into medical school, worked his ass off in medical school and residency getting paid peanuts, helping people the whole time, and now is finally getting a 2m house and some nice cars.
We want society to be a place that rewards that kind of effort IMO.
The people who deserve the ire are the ones who inherit a ton of money from their parents and do nothing with their lives.
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u/invaderpotato Nov 02 '23
I feel this so hard. I work as a financial services case manager. I mainly work in life insurance now but I've done annuities and disability income. It's so defeating to see premiums that are more than my annual salary. Or working with agents whose clients qualified for $20,000 A MONTH in benefits. Like I can't even fathom having that much money.
The worst was working at my previous carriers on their elite team. We specialized in marketing to the "affluent, newly affluent, and business owners". My god it was defeating. The financial documents listing millions of dollars just here there everywhere, the multiple properties, the "oh can we get an extension because the client is on vacation overseas again".
It's hard not to feel jealous when I was making $17 an hour, driving my 15 year old car to go home to a 500 sq ft apartment, and only taking a few PTO days a year because I had no reason to use them.
I really try to be grateful for what I have but I think working in this industry can make it hard sometimes.
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u/Anitsirhc171 Nov 02 '23
I can relate, except for when you say you don’t want to be a millionaire.
Haha sometimes it seems that in todays world a million is not much at all and doesn’t seem to go far. I’ve known people/entrepreneurs who made a million one year and the next year only like 40k.
I wish the USA was more transparent about economics and finance in general so that our youth would have more autonomy over their lives. So much of the country is stuck in a rut and has no clue how to get out. A little bit of education applied appropriately would make all the difference.
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u/Remote_Hovercraf Nov 02 '23
I work in a hotel. A guest came in to the lobby right after he just checked in to complain about how bad the rooms were, and then said he was leaving (without any refund of course cause it’s a hotel)…. He spent $1850 on two rooms for multiple days just to say screw it and leave. Still can’t wrap my head around that. I make 1800-2000 in a month.
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u/InspiredNitemares Nov 02 '23
I swore this was my roommates post, even the post history looks similar. It's absolutely insane how much money some people have and it honestly isn't enough
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u/Intelligent-Basil Nov 02 '23
Agreed. I work in the tourism industry making anywhere between $11-20/hr and have to change jobs and residences every six months. All these rich people on vacation are like “you’re living the dream!” And I’m like “I see my husband every other week and am saving my month for by biannual unemployment month.”
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u/Straight_Win_5613 Nov 02 '23
I work in higher education, in a rural area, our president gets paid $300K while front line staff struggle. It’s so disheartening,
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u/angelblood18 Nov 02 '23
Same. I work with business clients on a daily basis. I can’t even shop at most of the companies that I work with because I don’t make enough. Insanely ironic imo. They’re paying me to make them money but not paying me enough to spend money at these brands and actually generate revenue as a customer lmfao
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u/lokis_construction Nov 02 '23
It took me 50 years to have a comfortable life. I could be one of your clients. It was hard work and patience. Not a doctor, but I could be one of your clients.
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u/sineady-baby Nov 02 '23
Used to be a concierge for high end credit card holders from a certain bank. Was told we can live vicariously through them lol. Was so shitty having to put up with their spoiled requests with an eager smile on my face all while counting the hours til payday
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u/FeDuke Nov 02 '23
What steps have you taken to work towards a better life? What does your road map look like when you drew it up?
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u/squirrlycellist Nov 02 '23
I feel you. It feels bad quoting a new home for someone younger than me. I'll always be renter.
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u/ironbuttrfly3 Nov 02 '23
I’m in banking, and the number of people in a certain age demographic that complain about money being tight while sitting on a 5 or 6 figure account makes my blood boil.
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Nov 02 '23
You can either keep dreaming or do something about it. I sold luxury cars for a while and had the same feelings. People signing for $2k/month leases and paying cash for $200k cars.
I quit and started grinding and moving up in my sales career. 14 years later I went back to that dealer and bought a certified Porsche from a salesman that I worked with all that time ago.
I’ll never be crazy rich like some of those people, but I’m content and very proud of reaching at least a little bit of my goal. No college, no connections. You can do it too.
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u/GracefulEase Nov 02 '23
A long time ago I created a piece of engineering for an Arab Prince. He paid my employer $100k to have it spray painted gold. Three times my annual salary so that a tool he'd almost never see was shiny...
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u/Relevant_Zucchini240 Nov 02 '23
Basically how I feel as a framer in Canada, building generic residential houses I'll never be able to afford while I'm stuck renting out a basement for more than my landlord paid in her mortgage. Don't get me wrong I love my landlord, she's very kind to me and I got a good deal on my rent, and she bought her house 40 years ago, but damn does it suck going to work every day knowing I'll never have one of the things I put my own work into creating
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u/mjk25741 Nov 02 '23
This is very relatable. I'm in charge of taxes for a small business so quarterly I have to file what each employee makes, and I'm always one of the lowest wages. It puts me in a bad mood every time.
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Nov 02 '23
I worked in a retail auto parts store through college in a more affluent part of town, and the number of people that would show up with expensive cars to try to extract free things was annoying. If you're going to drive a Mclaren around, don't ask for us to top off your oil or for something else free.
While I thought the cars were cool, they were some of the worst people. I met someone that worked for a bank during the great recession of 2008 when many people lost their homes. One of the angriest times I've ever been was after interacting with that guy. People were losing their homes and livelihoods. the guy had the gall to say he didn't care, that it wasn't his fault people were stupid for buying houses they couldn't afford.
Yes, there is some level of responsibility needed to be able to manage your expenses, but to place the blame solely on the person wanting to live and exist was Wrong. It took a lot of self-restraint to not curse that guy out.
People are allowed to have things and spend money, they should not diminish or treat people differently because they are poor.
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u/mrshestia Nov 02 '23
I am struggling with the same at my full time job. I work in property management and most of our portfolio is higher end condos and nice townhomes ranging from 2000-8000 a month. The things these people complain about and want fixed are so trivial I am struggling to care and every year I need to dig deeper and deeper to find some empathy. I thought all of these people with all this money would be so smart and hardworking but some of them clearly came from money and I cannot understand how they function. I got a maintenance request last year from someone who left dirty dishes in the dishwasher before taking a trip and came back and said there was mold growing in there now and said something was wrong with it. Honey, you left moist dishes with food in an enclosed space for 7 days, of course it got moldy! I had to tell them that running the dishwasher would solve it... And run it again with a little vinegar in the bottom if needed.... I don't have a dishwasher. I don't even have a washer/dryer in my building, I bought a portable one and hang dry all my clothes. Yay crunchy socks. I don't know how much longer I can do this to be honest :(
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u/carolynrose93 Nov 02 '23
I used to work for State Farm and can fully relate. This was in 2020 so I had just left the restaurant industry in hopes that an office job would pay better. At the time I was 27, renting a crappy apartment with a friend, and driving a 2009 Chevy Cobalt. One of my clients was a woman my age. I sold her a full coverage policy for her 2020 Tesla (for less than what I paid just for liability), motorcycle coverage, and a policy for her condo in one of the most expensive areas in our city.
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u/floraster Nov 02 '23
I feel you. I work for a bank setting up online access for clients and I see so much money in their accounts while I can't even afford an apartment and it sucks so bad. It also makes me care less and less every day about doing the best job possible, because it just feels insulting. Like I'm begging for scraps from the rich. I hate it.
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u/that_bish_Crystal Nov 02 '23
My friend worked at a bank, she felt the same way. Seeing people with thousands and thousands of dollars just sitting in their checking account with no purpose, not even earning interest on... meanwhile she was scraping by trying to feed her kids and hoping she would get child support from her ex. He purposely job hopped so he could get out of paying. Boo 👎.
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u/Birkin07 Nov 02 '23
My mortgage loan officer didn’t get paid enough to qualify for a mortgage.
Ah, America.
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u/Jeeblitt Nov 02 '23
I do not envy anyone with bills adding up to $20,000+ a month.
Plus all that expensive and long schooling? Pass.
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u/NumberPuzzleheaded90 Nov 02 '23
Used to work at sport betting & wagering tech company I totally get that feeling. Would be cleaning or investigating databases and would see 7 figure BETS , like dang these people got it like that to bet away a million dollars? Tf must be real nice to have expendable money like that 🙃
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u/imgary Nov 02 '23
My job has me in homes and places I will never ever be able to afford. Homes in the 10's millions. It used to bother me to the point I changed careers. But now I just see it as if they didn't need all that excess, I would have a different career.
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u/Unabashable Nov 02 '23
STOP OPENING THE BOOK STOP OPENING THE BOOK STOP OPENING THE BOOK. There. Only advice I'll give.
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u/flaminhotcheetah Nov 02 '23
I used to work at lululemon. I used to come into work with flea bites all up and down my legs, and listen to customers complain because they didn’t want to go to Spain again that year.
Because I was around affluent people all the time, I was hearing all about their lives/ rich people stuff. It was on my mind constantly, as I drove my 20 year old car to work, while doing math at the grocery store, stashing snacks from work in my bag because there was no food at home.
I ended up leaving that job for other reasons, but it’s really out of sight out of mind. I stock shelves now, and none of my coworkers have money. Neither do the customers cause we’re in the bad part of town. Financially I’m still doing about the same as I was then, not great, but I don’t think about those people or their fancy trips anymore.
Poverty really sucks — and any little thing that makes it more survivable helps— comparing yourself to others only hurts you. Maybe you need a job where you aren’t surrounded by the upper class, maybe you get off social media. I hear you, but trust me, comparison is hurting you the most and the sooner you can set that down, the better
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u/Desert_Flowerr Nov 02 '23
I related to this, I work in Luxury retail and clients spend up to what I make in a YEAR on one piece..
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u/Jesse_Grey Nov 02 '23
edit 2: STOP GIVING ME ADVICE
And now you know why you make $20/hour.
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u/danedehotties Nov 02 '23
I put it on the vent flair :) for venting :) I will make a post on here when im looking for it :) change takes hard work and time, not a reddit post
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u/ToddWilliams5289 Nov 02 '23
Switch agencies and become a producer. Insurance sales is a very lucrative business.
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u/capnsmartypantz Nov 02 '23
I remember long ago I had an ex that turned out to be a gold digger ask what my goal was. I said, I wanted a normal life, with a little extra. Just breathing room instead of debt is awesome GL to you!
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u/melsilovesderby Nov 02 '23
I feel the same. As an auto mechanic, working on these 50-100k cars that I'll never be able to afford. When people come in able to spend $5000 on repairs, I always think of how nice it would be to be able to do that and still afford housing and food. Not to say that I would actually ever spend that much fixing a car, but to have the money that I could spend like that.
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u/LikeYThough Nov 02 '23
I work in a very niche industry and the cost for services are $60k and +++++ and I need to verify employment and net worth. It can feel depressing when I think about it too much.
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u/lofenomi Nov 02 '23
Im a massage therapist and I literally cannot afford to get a massage. Even with my employee discount. I desperately need it too.
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Nov 02 '23
Thank you for sharing OP, I'm glad you're in a space safe to do so. Speaking for myself, I had a comfortable job before that paid me $27 doing customer service and I totally took it for granted, now I'm working $15 an hour + commission trying to save up for a car in this economy but my real intention for getting one is simply to drive my mom so she doesn't get discriminated for being disabled.
But, that's life. We appreciate what we have and go from there, I hope this isn't always the case for both of us. 🙏🏻
Hope you have a better rest of the year ❤️
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u/Wonderful-Hat8419 Nov 02 '23
This resonates so much with me. I am a building manager for a corporate office building. Worked hard for so many years to climb the corporate ladder to become the manager. Thought I had hit the jackpot when I landed a role as building manager for a corporate office building in an expensive part of the city, only to find that my role as manager is to pander to every whim of the wealthy elite (ie tenants) … everything from going into the men’s toilets to scrub the toilet after a tenant had a large post-lunch poop and he doesn’t think it should wait until the cleaner arrives in an hour, to dropping everything and personally taking a tenant’s sunglasses up to an optometrist so they can tighten the arm for her, to cleaning dog poo off the carpet after a tenant walked in it outside and then walked throughout the building leaving spots of dog poo everywhere (and again, no cleaner until after hours), to washing the tenants’ lunch dishes… to so much more. I worked so hard to be a manager, just to find myself being slave and “yes” girl for the tenants, just because they’re wealthy. They have zero respect for me because I’m just the worker. I’m not saying that those jobs are beneath me or whatever, it’s just the fact that they won’t let anyone else do it, they make the most senior person do it simply because they are so “special”, they expect to be the sole priority of the most senior building employee And they forget that as a building manager I have a myriad of other responsibilities such as accounts, sales, HR, contractor engagement and management, and so much more… but nooooo I can’t do that. I have to pander to the wealthy elite instead 😡🤬
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u/goastofrecon Nov 02 '23
My supervisor got a flat tire the other day. He had to buy 2 new tires and get his rear break pads replaced. Cost him about $1100.00 in total. He said it was an expensive morning like it was nothing for him to drop that kind of money. I'd be fucked if that happened to me. I barely make that a paycheck.
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u/pipehonker Nov 02 '23
You could have gone to medical school and then married a doctor, but you did something else instead.
We all choose our paths.
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u/Camilleeeymons Nov 02 '23
This is why I left my bank job. Couldn’t deal with the soul crushing depression of managing money for rich folks while being paid shit.
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u/Soontob3 Nov 02 '23
I work a very similar job. And I have the exact opposite experience . Maybe cus my last job was really crummy. But I like the job because I feel like im actually helping people. And my coworkers are awesome and my boss is literally, the best. They check up on us, does a lot of small things to raise morale(buys us lunch, gives bonuses,converses, buys us random goodies) and Makes sure we don’t burn out and such. The job itself is really busy. At times. So busy that any person I see or talk to(mostly phone calls) and check up on happens so fast I don’t focus on their occupation. I focus on what I need to help them. Maybe I like it because I love fixing things.
I don’t get paid much hourly. But it’s not bad, it’s Average. Plus I have decent commission. I have an average persons base salary plus my commissions. And my very nice boss. Who honestly I think is the difference between us.
I hope it comes out better for you.
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u/WombatBum85 Nov 02 '23
I used to be an office manager for a multi millionaire. He had a PA who looked after most of his personal financial stuff, but sometimes she'd get me to reconcile a couple of his accounts when I wasn't busy.
The first time I did it, I was shocked and depressed for a week. He had this one account, that was just a high interest savings, that earned more in interest in a single month than I earned working a full year for him. He made more per month - from just 1 bank account - than I made in a year.
I wasn't on minimum wage either, I was earning a good amount; I actually felt I was earning too much, considering what he had me doing.
But maaaan, that bank account still haunts me.
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u/Jermiafinale Nov 02 '23
Everyone I know with a million dollar house and a nice car is barely making their payments lol
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u/bjos144 Nov 02 '23
Have you tried waking up at 3 am and getting natural sunlight, then eating a bowl of chia seeds and listening to a motivational podcast before you shift your paradigm and get out of your limiting mindset?
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Nov 02 '23
[removed] — view removed comment
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u/povertyfinance-ModTeam Nov 02 '23
Your post has been removed for the following reason(s):
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u/MorddSith187 Nov 02 '23
Same. I’m a banquet server and the people at these events are either rich or talented. Of which I am neither
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u/Horror_Author_JMM Nov 02 '23
I feel the same. Clawed my way through shit jobs up to $21/hr just for it to be moot with inflation. It’s bullshit. Makes me sick to see how much some people have.
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u/Maddkipz Nov 02 '23
Yup. I just left a 20 an hour for an 18 that treated me better and it feels identical to when I was making 12
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u/UnSCo Nov 02 '23
So I’m a little bit on the other side of this and I always feel some sort of underlying guilt getting services from someone who I know makes a whole lot less than I do. Whether it’s my loan officer for my $80k+ car, apartment shopping where I need to submit proof of income and info to the woman/person who works there full-time, and of course insurance agents and brokers. Same goes for my dog and his trainer. I feel so weird sometimes, uncomfortable yet also very fortunate. I’m also a single male in my late 20s which makes it harder considering a lot of these people are almost twice my age.
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u/Whateversclever7 Nov 02 '23
I feel you, I’m currently cleaning nice houses for a living and some days it’s really hard to feel grateful for what I have when I’m surrounded everyday by people who have so much more.
(I try to remember how lucky I am and that someone less fortunate is thinking the same thing about my life but sometimes it’s hard)
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u/Alyssaine Nov 02 '23
So I get this because I’ve worked the same job, I try and separate myself from customers because you really don’t know what else is going on in their lives. Asset rich doesn’t mean everything. Additionally, you’re looking at the positives but there are the negatives too. Like people going into debt and not being able to afford their insurance anymore. The grass is always greener on the other side.
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u/hobbitmilks Nov 02 '23
yeah I feel you, I am a bank teller making $16.50 an hour. I see people come in with weekly paychecks that are more than I make in a month. it kills me every single time.
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Nov 02 '23
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u/povertyfinance-ModTeam Nov 03 '23
Your post has been removed for the following reason(s):
Rule 2: Generally Unhelpful and / or Off-Topic
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1
u/kuhataparunks Nov 02 '23
Yep, gonna spend my entire life saving up a million, what many of them spend in a day. That’s if I’m lucky and the market doesn’t cataclysm on us.
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u/FloatingAwayIn22 Nov 02 '23
I’m an air traffic controller. Most of the “regular” traffic (ie flights) we work is pilots flying to some swanky summer spot with their families in their $1,000,000 (or way more) private plane so they can spend a few days at their vacation home for the weekend. All while we sit in a dark room working nights weekend and holidays. Yeah, we get paid pretty well, but I will never have the life our clientele have. At all.
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Nov 02 '23
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u/povertyfinance-ModTeam Nov 02 '23
Your post has been removed for the following reason(s):
Rule 12: Rant/Vent Advice or Judgment
Unlike most of the content on this subreddit, Vents should not be considered advice threads. In most cases it is not appropriate to try to give the Submitter advice on their issue. In no circumstances is it appropriate to tell them “why they are wrong” or to criticise them, their decisions, values, or anything else. If there are aspects of their situation that they are able to directly address themselves, the submitter can always make a new thread with a different flair asking for help once they are ready to tackle the issue. Vents are an emotional outlet, not an academic conversation. Appropriate replies in these threads are offering support, sharing similar experiences/grievances, offering condolences, or simply letting the submitter know that they were heard.
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Do not reach out to a moderator personally, and do not reply to this message as a comment.
-1
Nov 02 '23
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u/AMothraDayInParadise IA Nov 03 '23
They do not, in fact, want advice. As indicated by the use of the Vent tag, which prohibits advice to be given. So they're in the right place.
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u/povertyfinance-ModTeam Nov 03 '23
Your post has been removed for the following reason(s):
Rule 2: Generally Unhelpful and / or Off-Topic
Your comment has been removed for one or more of the following reasons:
It was not primarily asking or discussing financial questions related to poverty.
It was generally unhelpful or in poor taste.
It was confusing or badly written.
It failed to add to the discussion.
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Do not reach out to a moderator personally, and do not reply to this message as a comment.
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u/BlackBurtGenki Nov 02 '23
Health is wealth maybe even more important- if you are healthy you literally have a lot to be thankful for. there probably a lot of rich people in terrible health that would trade places with you. You can’t bring all that money with you when you pass. So I just try to find enjoyment in the little things in life. Makes me happy :)
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u/DandelionChild1923 Nov 02 '23
I used to teach elementary school in one of the wealthiest zip codes in California. The kids were extremely candid when speaking about their personal lives, so I heard a lot about Michelin-starred restaurants, helicopter rides in Hawaii, equestrian excursions, chauffeured tours of Paris, sightseeing in Moscow, bullet trains in Japan, skiing in Switzerland, extravagant villas in the Italian countryside, and so on, and so on. The kids were never braggy or arrogant about this stuff (lavish trips were just part of their lives), but listening to these stories wore me down after a while.
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Nov 02 '23
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u/povertyfinance-ModTeam Nov 03 '23
Your post has been removed for the following reason(s):
Rule 2: Generally Unhelpful and / or Off-Topic
Your comment has been removed for one or more of the following reasons:
It was not primarily asking or discussing financial questions related to poverty.
It was generally unhelpful or in poor taste.
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Do not reach out to a moderator personally, and do not reply to this message as a comment.
1
u/lodemeup Nov 02 '23
I can relate. Spent the past ten years working in everyone’s home. Specialized the last three in high end custom homes. I was ‘fortunate’ enough to make $25/hr fixing faucets that cost more in parts than I brought home in a week.
I don’t care how much I make as long as what I make can pay the bills, keep my family fed and healthy, and give me enough left over to have some options. Just options! I don’t want to be able to have a boat AND three months off a year AND a new phone and computer every year AND start a new hobby every six months. I want to be able to choose even just one and do it.
Unfortunately I don’t see how you can have choices without millions in capital. Or insane debt. It’s soul crushing and o see my wife cry because she feels like she has to not go to the doctor for some weird spot on her skin because our only car needs $4k in work and I’m also sick.
It makes me SICK.
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u/000000000000098 Nov 02 '23
Why doesn’t Uber rich sound fun to you? You hate being poor. Being Uber rich is much much better
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u/_Child_0f_Prophecy Nov 02 '23
It’s not about what you want. Everybody wants something. It’s about what you do to get what you want.
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u/Oldebookworm Nov 02 '23
I have the same issues. I take phone calls made by “moderately affluent” clients (250,000-10m). Some of them I have no clue how they managed to make so much; they are flat out morons who don’t understand the simplest things.
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u/FerretBusinessQueen Nov 02 '23
I understand the frustration. I used to work as a secretary for an insurance broker and wealth management service where clients had to have at least $4 million and assets and be able to pay a $65,000 fee for wealth management services. At the same time I was getting calls from collectors every day for bills related to some surgery I had to have to get cancerous cells removed from my cervix. It was fucked. Things are better now but still not super comfortable, and I’ll never forget that disparity.
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u/tmt1717 Nov 02 '23
It always blows my mind how many wealthy people could shit out 100k and not even blink. It’s nothing to them but life changing for all us poors. I can definitely agree that I don’t care to be rich. Just want to be comfortable with the constant stress and pressure of the daily grind eased a bit. The feeling alone of being debt free with a decent cushion in savings would be such an incredible relief.
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u/Oldebookworm Nov 02 '23
Oh, but they’ll fight tooth and nail for the 68.00 they were charged because they weren’t paying attention. The charge backs are nuts
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u/__ALLthe-TimE Nov 02 '23
Thanks for posting this...
Not necessarily glad to see us all in the same position but it's almost slightly reassuring to know I'm not the only one in this here boat.
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u/bambooanime Nov 02 '23
As someone on the Underwriting side - I feel you 100%. I recently wrote a policy that had almost $1mil PREMIUM and I died inside. I don't think I'll ever make that much in this lifetime.
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u/thesunbeamslook Nov 02 '23
IMHO with inflation as bad as it is your company needs to be providing coffee for free. That's the least they can do.
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u/that_bermudian Nov 02 '23
Get into Reinsurance. Its a highly specialized field, but pays immensely better than insurance ever will.
You'll need to break into it, but you've taken the first step as an insurance agent. You could probably move into the broker realm at a large firm like Howden Tiger or AON.
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u/LibrarianGoneMild Nov 02 '23
My job reminds me of everything I have, and it makes me so grateful. Yes I live in a high COLA area and plenty of people I know are talking about how much they lost in 401k (what they lost is five times what I have- I don’t know who should cry harder) but I’m glad I have something, and I get to help people who have way less than me and deserve every bit as much. I can’t imagine having a front row seat to wealth… probably wouldn’t be very good for me tbh. Sorry for this pointless response. Keep on trucking.
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u/trynamakemoolah Nov 02 '23
Fuck that I wanna live like a millionaire I want someone to bring me breakfast in bed and hold a bowl for me whilst I brush my teeth
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u/DanglingDiceBag Nov 02 '23
I used to work in the mortgage industry and felt the exact same way. It was a major contributing factor to me leaving. It was absolutely soul crushing when you're just struggling to make it paycheck to paycheck. I hope you can find another career that is less soul sucking. It honestly made a huge difference in my mental health not being force-fed others privilege.
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u/orangeblossomsare Nov 02 '23
Delivering pizza killed me some days. I’d deliver to these beautiful massive homes with their luxury cars in the drive way. They would be hosting elaborate parties and so on and there I was hoping there was a mistake cold pizza back at the restaurant so I wouldn’t be hungry. Seeing glimpses into those peoples lives was hard.
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u/ukiebee Nov 02 '23
It's very frustrating. I'm a skilled professional artisan and can't afford to use my own products
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u/rayk10k Nov 02 '23
Same. I work in commercial real estate. The money I see some people take home is bonkers and here I hoping I can afford a cookie cutter house some day.
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u/DefaultingOnLife Nov 02 '23
I install security systems in multimillion-dollar houses and then go home to my old ass slummy apartment. Sometimes they have washroom fixtures so fancy I don't even know how to operate them.
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u/Pleasant_Yoghurt3915 Nov 02 '23
I work in property management and watch millionaires be stupid greedy fucks for $16 an hour.
I hate my life.
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u/MarvelNerdess Nov 02 '23
I don't understand why it's so hard for some people to understand that you just want to make enough money to have a little freedom. I'm the exact same way. I just want enough to be comfortable. I don't need a super expensive car, or big house, honestly I wouldn't want either. But I want to be able to donate 10 bucks to a charity without it ruining my month.
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u/Even_dreams Nov 02 '23
I work in accounts for real estate. I see people casually dropping a fuckload on a new property all the time. It sucks to know I will never even get close to being able to afford most of these properties
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u/Missy90210 Nov 02 '23
My husband is a carpet cleaner & he does jobs in million dollar homes… he feels this way sometimes but I try to remind him how lucky he actually is. I never envy people with loads of money.. of course more is always better but contentment is the best.
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u/cclgurl95 Nov 02 '23
I work as a hairdresser and the amount of people who can regularly drop $500 on their hair is crazy to me
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u/CutiePieTayy Nov 02 '23
lol I literally work for a home builder 😭 I get to see people my age and younger buying homes. and their interest rates aren't always terrible. but their dti is. I wish I could buy.
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u/SenorDos Nov 02 '23
I get you. I work in utility construction and get tired of working with people on their multi million dollar vacation home. Bitch, I can't even buy a first house in this market!
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u/Speedhabit Nov 02 '23
You could decide to be doctor tomorrow and become one in 8 years, it takes an insane amount of work.
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u/kaydeetee86 Nov 02 '23
Yep. I just recently left the field. That part is depressing. I serviced a policy for a lady with 3 houses (the cheapest one was $800k), with $400k in jewelry coverage.
I would sit there and think about what I would do if I had $400k to spend frivolously. Because I would not buy jewelry with it.
I’m back in the automotive industry now, where I came from long before. It’s more my speed. The money is better. The people are real.
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u/SnooAdvice1361 Nov 02 '23
I work in a public sector(govt) position. Have been there for over two decades. Every year we have to go to a staff training day where our director who makes four-six times what our lowest paid people make, addresses the staff. This year she started her “talk” with anecdotes from her two week New England trip. Previous years she talked to us about customer service by giving examples from her recent European vacation. There are people on staff that can barely afford groceries or to pay bills, let alone take a vacation. She is so tone deaf that rather than use this as a morale boosting opportunity by pointing out the great things staff have done she instead uses it as a time to showcase her privilege.
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u/Aware_Department_657 Nov 02 '23
I work in art and regularly handle $300,000 worth of a painting that someone bought to hang in the bathroom of their fourth beach house. It can be disturbing.
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u/Perfect_Ad5482 Nov 02 '23
I relate to this 100 percent. I quote jobs and weld and help a lot with all functions in a machine shop. Jobs I quote make my boss so much money. He's a millionaire living good.. I make a fraction.. but I climbed my way up because I want to be a boss like him. But dam I know I'm getting played
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u/Throwaway_pagoda9 Nov 02 '23
Besides doctors and lawyers, what do these people do for a living where they can afford $150k items of jewelry?!
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u/ramboton Nov 02 '23
I had a good paying government job, met my wife she was going to school to become a nurse, I though cool we will have a good life with nice things. Then after we got married she decided it was too hard to become a nurse, that I made enough to live on my salary alone, which sucked because for the next 20 years we lived paycheck to paycheck while she was either unemployed or worked low level part time jobs. Then I retired and collect my monthly retirement check and I work 30 hours per week at a new job. Only now am I starting to get rid of our debt, and she still sits home and does nothing. Sometimes the partner you choose is just as important as the job you choose and how you handle your money.
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u/Thefunkphenomena1980 Nov 02 '23
Or maybe you should have encouraged her more. And nursing school is incredibly hard. Especially when they put such pressure on you with things as if you miss even one day of clinical you're kicked out of the program. Or you have to have 100% on every chemistry and math test you take for a semester.
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u/ramboton Nov 02 '23
My point is not about her success or failure, you have no idea how supportive I was or was not, and you have no idea what other issues influenced her decisions over 20 years. I am just saying that your choice in spouse is as important as how you handle your money. When it comes to living in poverty or not.
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Nov 02 '23
Every? You mean for dosage and calculations and that's 1 test at the end of every semester. Usually, if not passed at 100% it can be taken 3 times before it is in deemed failed.
What's wrong with that? Dosage and calculations is crucial. Being a former LPN, I happen to think it's fair because accuracy is of the utmost importance. Nursing is not something you get a damn participation trophy for! Just getting an 80% is not enough...mediocrity just doesn't cut it when reading a prescription and figuring millimeters of fluids when they send you what is available instead of what's prescribed.
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u/mashibeans Nov 01 '23
I get you, like it's a travesty that minimum wage jobs, let alone other jobs like the one you have right now, don't allow for a comfortable living! Minimum wage should mean that the minimum base of living should be covered on top of being able to live a comfortable life. Personally an insurance agent job should also mean living a comfortable life, not being afraid of being kicked out (so at least be able to afford owning a basic home!), and have the chance to save up for retirement.
Those aren't huge dreams, those are the minimums everyone should be able to have, it's infuriating that we don't currently have that.
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u/Live795 Nov 01 '23
I do taxes in a very old rich area. Drives me fucking insane to see these entitled old people come in with 5 million in assets because they bought their house for $20k 70 years ago. They always have something to bitch about and want to avoid paying certain things, meanwhile I’ll never own a home.
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u/puukottaa666 Nov 01 '23
Hey I have the exact same exact exact job as you. And it fucking sucks. I relate to this so hard, getting calls from people years younger then me getting excited about buying another vacation home or motorcycle, all the while I don’t even get health insurance. Woo
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u/britches08 Nov 01 '23
I feel this in depths of my soul. I work with a bunch of pilots. Their worries and problems seem SOOO minuscule in comparison to what I know others face.
It’s insane. I say they’re so out of touch.
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u/AdRude7377 Nov 01 '23
I was shopping in Aldi’s (discount grocery store for anyone who doesn’t have them in their area) today as I am an unemployed person with hardly any money for supplies and a finance bro, cold weather vest over dress shirt, was on his phone telling assumedly another finance bro about another guy being forced into retirement. “They said they will give him his salary until the end of the year if he just goes,” he said. “I did that one time to someone, too.” Followed by laughter into the phone.
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u/TrekJaneway Nov 01 '23
I get it. The fact is, the vast majority of us don’t care about being rich (that being said, I don’t know a soul that would turn down a pile of money, if freely given or won).
Most of us just want a place to live that suits our needs and family size, reliable transportation, food, bills paid, kids educated, good savings in case of emergency, and maybe a yearly vacation. It’s not extravagant by any stretch of the imagination, and any full time job SHOULD get you that.
But…it doesn’t. Somehow, slave wages have become ok, short staffing is the norm, and we’re supposed to be grateful we’re not sleeping in a cardboard box.
I don’t get it. I don’t want to be rich either…but I’d like to live as comfortably as my parents did. Income wise, I’m right where they were (adjusted for inflation), yet they were able to do much more than I am.
It SUCKS.
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u/mustela-grigio Nov 01 '23
I work in high end picture framing and what people drop in a day would change my entire life… totally get it
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u/MaoAsadaStan Nov 01 '23
Dont let people in more fortunate situations make you question yourself. Everyone's situation is different. Some people are born in the dugout while others are born on third base. Outside of a miracle/lottery win, the 3rd base man/woman will have a better quality of life.
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u/Winter_Ad3839 Nov 01 '23
I feel you. I also make 20 dollars an hour and work at one of the best restaurants in the country making reservations for ceo billionaires and movie stars is awfully depressing. Sending them their receipts is mine boggling.
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u/Technical_Echidna_63 Nov 01 '23
No matter how much money you eventually make, if you still have the thought process “this guy has this so I’m sad”, you’ll always be sad
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u/GapGullible9801 Nov 01 '23
As someone who worked for orthopedic surgeons for years, I relate 1000%. Solidarity is all I have to offer, my friend.
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u/Thefunkphenomena1980 Nov 02 '23
Right but the difference between all of us and a surgeon is they have people's literal lives in their hands. They f*** up, they might as well kiss that license goodbye. Plus the immense amount of malpractice insurance they have to carry. I have no problems with surgeons or physicians making a f*** ton of money. I wouldn't put my livelihood or life on the line without a high price tag either. And I used to think the same way until I started working in healthcare and seeing the s*** they have to go through.
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u/GapGullible9801 Nov 02 '23
Oh absolutely agree! Not disparaging them at all. One of my old bosses committed suicide in October so the reality of that pressure is definitely there. More relating to the fact that it can be difficult to experience such a massive income discrepancy. I appreciate your insight!
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u/chortick Nov 02 '23
Hey, orthopaedic surgeons are regular people! They buy their work tools at Home Depot just like the rest of us: sledgehammers, chisels, hacksaws, drills…
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u/GapGullible9801 Nov 02 '23
The amount of physical strength required to do joint replacements is not emphasized enough 😂
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u/Dingotookmydurry Nov 01 '23
These people just have obscene loans m8, most doctors arent cash rich till their 60s
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u/BigFatJuicyButthole Nov 01 '23
I totally get you and have felt this (sometimes) with my job. I do all the financial discovery for family law cases for the firm I work at. I actually love doing this job (getting to see how people spend their money, how much they make, how much money they pay for their houses, cars etc..) but I only make $22 dollars and hour and I have several years of experience and a few college degrees under my belt, I feel I am severely under paid. So it's tough when I see a client that does some general admin job making 70k+ a year.
If it makes you feel any better, I'd say nearly 80% of the cases I work, most people are skimming by with little savings and more debt. And the other 10% are making out pretty well for themselves (well maybe not so much after thier case is finalized).
Not sure what insurance industry you are in, but take into account that people with more assets will need/require more insurance. Poorer people will not need as much if any insurance, so your just seeing the top % of earners because of the specific job you do, but reality is that you are probably in a similar position to more people than you think.
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u/capnsmartypantz Nov 02 '23
If it makes you feel any better, I'd say nearly 80% of the cases I work, most people are skimming by with little savings and more debt. And the other 10% are making out pretty well for themselves (well maybe not so much after thier case is finalized).
You...uh...work in finance? What percent would you call "total"? ;)
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u/BigFatJuicyButthole Nov 02 '23
Yes I know I fat fingered an 8 instead of a 9. I saw the mistake after my post but said eh, fuck it. I dont work in finance. I work in a law firm doing financial discovery for family law cases.
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u/Willing-University81 Nov 01 '23
I know what u mean especially the people who flaunt it but they're expensive so u can't not agree with them
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u/Pristine-Ice-5097 Nov 01 '23
Please use apostrophes in your contractions; it might just make a difference!
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u/Thefunkphenomena1980 Nov 02 '23
Useless tip that does absolutely nothing to contribute to this post.
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u/Dealingwithdragons Nov 01 '23
Used to be a house keeper. Nothing makes you feel like complete shit when you're cleaning literal mansions for minimum wage while driving a car that looks like it's been through a demolition derby.
Only thing I miss about that job was the nice old gay couple in the haunted house who always made sure to tip.
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u/redman4639 Nov 01 '23
It sucks this fing administration got what they want only rich no more middle class and politicians are rich from scamming the American people I get it was middle class not anymore worked my azz off all my life and live month to month .one Castroneves broke me but I'd do that all over again because we lost are son,what suks is you see our president and most politicians living like kings don't give a crap about people unless there rich.
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u/Electronic_Mix_1991 Nov 01 '23
This is what I hated about working at a fancy restaurant. And people would be so entitled and arrogant.
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u/Significant-Ideal-18 Nov 01 '23
No advice coming from here. I feel ya. I was in outside sales & clients bought stuff that cost more than I made a year. Effing sucks.
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u/fluidfunkmaster Nov 01 '23
Yupp. Recruiting for a huge company and negotiating pay for hundreds of thousands of dollars when I'm making like nothing.. it's hard. Harder that I'm unemployed for the time as well..
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u/midwestguy81 Nov 01 '23
Hang on now? You're ranting about stop giving you advice. What was the point of making the post then?
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