I listen to old rich people bitch and yell about everything being too expensive these days, while they live in a $3 million dollar home they bought for $110,000 in the 1990's. I rent a one-bedroom apartment and live with my wife and we both work full-time and are in our early 30's. I've been having to pull out of my savings recently and there is no way we can ever save enough for 20% down payment on a home. Even 3.5% on a home is a bit of a pipedream. We do not live in an extravagant area nor have extravagant expenses.
I just hope the housing markets crashes soon, and homeowners have to liquidate all of the income properties they accrued in the early days of the pandemic so we can start a family and not have to all live inside of a tiny one bedroom apartment.
Came back to elaborate.
I'm an insurance agent in California, I've been in insurance for about 5 years now. Never thought I would end up in this field, but after working at a restaurant for 7 years or so, I decided it was time to get a "real job". It's a Monday - Friday 8-5 type deal, fully in the office.
Having a desk job is very brutal the first couple of years. You kind of feel like you're dying on the inside. At my last job working for a certain Australian (or British?) green lizard, there would be days where I pulled up to work and just sat in my car crying, dreading entering the building and starting my shift. It was a call center, I was in customer service. That job was very micromanaged, and left almost no time to skate working a 1p.m - 9:45pm schedule, with Thursdays and Sundays off. I had an hour and a half commute to and from work, so was pretty much unavailable from 11:30 am to 11:15 pm 5 days a week. There was a great skatepark down the street from that office, but the lights shut off at 9:30, further adding to my disdain.
I switched over to an independent agency after about a year, and it was multitudes better. Really liked my new boss, and there was absolutely no oversight, as long as the work gets done. I show up late to work everyday, take longer lunches than I'm supposed to (I'll go skate and just say "fuck it I'm going back late"), but will also stay later at the office if needed. A lot of my older coworkers retired, so I absorbed their duties. I'm doing the work of about 6 people, and doing it well enough to not get any heat for being late so often. In my mind, being late justifies the somewhat shit pay. I technically make more per hour, since I work fewer hours?
I have tried to be optimistic about the benefits of working a set schedule and having weekends off. I can still skate daily on my lunch breaks, or after work. We are living paycheck-to-paycheck, but we are living. I have health insurance, but honestly I'm still scared to use it.
I would switch industries in a heartbeat if a better opportunity presented itself. It's dangerous to be successful at something you hate doing. I don't want to get stuck here, but I also try to rationalize it wouldn't be the worst life ever.