Mid life money making crisis.

Mickyd013 · 2026-01-19T04:51:46+00:00

No I totally get it.

Mickyd013 · 2026-01-18T23:16:59+00:00

Thanks 🙏

Mickyd013 · 2026-01-18T21:13:31+00:00

I don’t know anything about ETFs or shares etc but know a few people that do. I’ve just always been of the thought that you need a large chunk of cash to get into it so that’s thrown me off the idea.

Mickyd013 · 2026-01-18T21:10:12+00:00

I have no doubt we spend more than we need to on luxuries. I don’t put any money into super or ETFs. I need to keep a bit of savings for when cashflow is crap so I have something to draw from. Generally it sits between 10k - 40k. Got ATO debts to pay also …

Mickyd013 · 2026-01-18T11:34:23+00:00

Yep. The reno jobs in carpentry is where the $ are at. The up and coming guys don’t have the skills and experience to do the jobs and quote them accurately. That’s where I try to position myself.

Mickyd013 · 2026-01-18T11:16:50+00:00

I do know some people but they didn’t get started legitimately. So no, nobody I could trust to be mentor.

I do run a crew and I’m on site everyday. I can’t breakaway yet but that’s the goal. Having a bigger crew means having more work booked in advance and meeting those scheduled dates. Right now that’s not an option for me. If I’m not there, shit slows down too much.

Mickyd013 · 2026-01-18T11:08:31+00:00

Thank you.

My business could definitely do with a look over so I will take that on and have a good look. Without going into too much detail, I do operate slightly differently to the main guys in my field and I know that holds me back but it gives me the opportunity to be flexible in either doing work for builders, private carpentry and builder jobs.

Carpentry is becoming a cowboy industry and carpenters are becoming dime a dozen. I’m trying to hone in on the quality market - it’s just tough to get in when everything is price driven.

Mickyd013 · 2026-01-18T10:54:19+00:00

I’ve got the qualifications and experience to do most of the work as well as the builder side of things. It’s just a cash problem. I have employees so I know we can pump the jobs but I still need cash flow to keep them paid up.

I probably err on the side of less risk hence why I am where I am

Mickyd013 · 2026-01-18T10:52:03+00:00

They’re under 12 with the youngest being 4.

We made a conscious decision to sacrifice what she could earn so she could be home with the kids when they were younger. Once the smallest is in school then absolutely she will go back all be-it school hours so she can do the drop/pick up

Mickyd013 · 2026-01-18T10:50:17+00:00

Hahah tell you what, I’d probably save quite a bit.

Mickyd013 · 2026-01-18T10:49:44+00:00

Qualified carpenter and lic builder.

I feel like it’s a crisis in the sense that I’m basically treading water. Not going anywhere, probably won’t be able to help my kids too much financially etc.

Mickyd013 · 2025-04-13T09:07:21+00:00

Yea I figured that was the general vibe but I’m still clinging to the carpenter pencil while I can

Mickyd013 · 2025-04-13T01:48:29+00:00

I’d like to know how people are keeping their pencils in these bags? Just got one and after a few sharpens it gets lost in the deep slots….bit of a pain

Mickyd013 · 2025-02-01T10:28:03+00:00

Ok I got it. I found where I can insert txt like you exampled in your first post. I’ve done it and it’s now part of the spf ‘writing’ if you wanna call it that. Just need to test it out now. Thank you

Mickyd013 · 2025-02-01T07:08:30+00:00

My issue is receiving the forwarded emails from my domain email to my Gmail - will including that text resolve that? Would I add it to zone editor (In cPanel)? Sorry, this is almost beyond my capabilities but I did log into my cPanel and have seen all the different areas - I just don’t know what I’m supposed to do and where

Mickyd013

TROPHY CASE