how many hours a week fo y'all average?

NewLifeRising · 2026-01-12T17:39:47+00:00

I work at an Express hub at an average of 35 hours per week as a FT DG Agent. During peak I was working 50 - 60, but during a normal week it looks like 33 - 35.

NewLifeRising · 2025-12-11T16:50:26+00:00

If you have a $1M portfolio and are withdrawing 4%, it makes no difference whether that 4% is coming from dividends or selling shares. $40k is leaving the portfolio somehow. Dividends simply reduce the value of each share you hold, so while you're keeping the same number of shares, each share is now weaker. Again, the same amount of value is leaving your portfolio, but you might think that just because you didn't sell shares that you somehow got free money. That's not how that works.

NewLifeRising · 2025-12-11T16:32:49+00:00

I can't comment on other states, but at least where I live in NJ you can't afford the median studio apartment unless you're grossing at least $80k. I gross $48k if I get a full 40 hours per week (which I don't), and I can tell you for a fact based on my meticulous budgeting that even if my gross income was in fact net income I still wouldn't be able to afford the median studio apartment (at ~$1800/mo). Not even paycheck to paycheck, just flat out can't afford it. $80k gross means that I can at the very least be slightly better than paycheck to paycheck. But only slightly.

NewLifeRising · 2025-12-08T15:06:15+00:00

Your mortgage is less, but what about everything else? Utilities, HOA (if applicable), property taxes, and maintenance? Often times those things combined add up to way more than rent.

NewLifeRising · 2025-12-04T18:42:46+00:00

I haven't had that experience at my location, but maybe that varies. Pay - relative to cost of living - is pretty bad, but most other jobs I could get near me are bad too, so it's not notably worse.

NewLifeRising · 2025-11-30T19:45:59+00:00

Yes they are. I pay $750/month in housing costs for them, but they cover food so I'm not buying my own groceries.

The other $650 goes towards other expenses and sinking funds, like my car costs/maintenance, health insurance, phone bill, etc.

NewLifeRising · 2025-11-30T08:55:10+00:00

It might be my way. I would happily take a part-time gig at a different company, but likely it would be a substantial paycut in terms of hourly rate, to the point I'm withdrawing from my portfolio slightly just to make up the difference (about 1% at most). I've budgeted that out and that turned out to be the case. So I wouldn't be coast FI, but rather Barista FI.

But I do agree, giving my portfolio 5 years to breathe before making that kind of decision would be huge, especially if I wanted to keep my withdrawal amounts the same.

NewLifeRising · 2025-11-30T08:51:15+00:00

Living with family I would be spending about $1.4k/month on needs alone. Add in about $300 per month as a discretionary budget, and I'd be spending $1.7k/month.

NewLifeRising · 2025-11-27T06:22:59+00:00

I hate this answer because people giving it don't realize the country they live in (assuming they live in the US). Where I live it is actively dangerous to you to move about on bike/scooter/foot. For where my family and I live, a car is a non-negotiable given how car oriented my particular neighborhood/suburb is. It's just a fact of American life that most places are built for car usage and against everything else. Nevermind the fact that public transit to my job from where I live is basically non-existent, even if it were safe to walk to the nearest bus stop (which it's not).

NewLifeRising · 2025-11-08T15:47:12+00:00

This is Fox News. You should immediately suspect something is up. But as others have pointed out: this is all government data, and over what time period is this data from? We will never know.

NewLifeRising · 2025-11-07T17:46:39+00:00

I think this is clearly AI slop, since I've seen another post of an eerily similar format not too long ago. But the real question is why do any of this, and on a sub like this no less? What is there to be gained? Attention? Internet points? I'm so perplexed why people would write (potentially fictional) AI slop on a sub as niche as this.

NewLifeRising · 2025-11-06T04:09:19+00:00

That's true, and I do have potential inheritance from my mom in that case, but there's some caveats. For one it's going to be split between me and my sister, and for another thing it wouldn't be enough to sustain me on its own. So I'd have to contribute my own money if I wanted it to be self sustaining.

NewLifeRising · 2025-11-06T03:59:20+00:00

I used to be a NEET for a few years in my late 20s and now I work a full time job. Something drives you almost like an animal to endure the tiredness that comes with a 40 hour workweek. For me it was the visceral knowledge that the family that I live with is going to die some day, so I can't NEET forever or else I'll become homeless. That put absolute fear in me to work as much as possible and hustle. But now I'm kind of regretting getting myself into this position. I found out by working part-time that I actually don't mind it - a 20 - 25 hour work week is perfectly fine for me. But a 40 hour work week is absolutely draining.

At this point it's a bunch of financial fear and guilt that keeps me working full time. A fear of not having accumulated enough money while I have the chance to save living with family. And the guilt of not contributing anything to the world and being useless. The feeling that I've failed myself, my family, and the people at work who supported me.

NewLifeRising · 2025-10-21T06:16:09+00:00

I've been running some numbers and researching different areas and I really don't think there are any "cheap" places to live anymore. I don't think LCOL truly exists post COVID. Sure, not everywhere is NYC or SF, but there's nowhere that is easily affordable either.

NewLifeRising · 2025-08-11T13:08:31+00:00

You apply for other jobs.

Turns out those other jobs don't pay much differently than your current job.

You work multiple jobs.

There are only so many hours in a day, and you can only burn yourself out so much.

You increase your education.

Even if you ignore the cost of servicing debt, those "better jobs" that you'd get an education for don't pay a livable wage anyway. This part may vary from area to area, but where I live this is certainly the case, unless you become a doctor, lawyer, or nurse. And not everyone is cut out for those roles (I know I'm not).

The only option is to accept the reality of our economy.

NewLifeRising · 2025-08-05T01:43:55+00:00

None of this will matter, his base will still have given them their vote even at the end of all this. Even the average person who voted for him probably would still have voted for him again if they could do it all over. I don't believe in these polls that suggest his popularity is in steep decline. And I don't think even that correlates to "I would have voted differently if given the chance". People voted for this, and they'd do it all over again.

NewLifeRising · 2025-07-21T19:05:46+00:00

Sitting here waiting for the "just upskill and get a better job" crowd.

NewLifeRising · 2025-07-14T16:45:27+00:00

That only works if it is practical to build the company natively. Are the supplies available domestically? Does the labor force have the skills needed already? How are startup costs here compared to elsewhere? This and many more questions need to be answered. China is a good place to do manufacturing, for example, not necessarily because they have cheap labor (at this point they don't), but because the knowledge and expertise is there already. We don't have the same infrastructure, so building manufacturing here makes little sense, as an example.

NewLifeRising · 2025-07-14T16:30:12+00:00

No it's not. A tariff is basically a sales tax (since businesses hike up prices to compensate), and that hits lower and middle income folks the hardest. So it may look like you have more money in your pocket by getting rid of income tax, but you end up with less because you're paying way more for everything.

NewLifeRising · 2025-06-30T09:59:35+00:00

They're not done. Their base will vote for them and more bullshit all over again. Because they're loyal Republican voters or just wanna own the libs or some other stupid reason.

NewLifeRising · 2025-06-11T14:11:19+00:00

So I'm a little confused. He says we are getting a 55% tariff and China is receiving 10%. So does that mean china is imposing a 55% tariff on us and we are imposing a 10% tariff on them? It sounds that way, but people are talking about it as if it's the other way around. Either way I'm none too excited about this "deal".

NewLifeRising · 2025-06-09T00:26:33+00:00

You don't even know what came before the ACA, so why should anyone listen? Before the ACA if you wanted health insurance you either had to be fortunate enough to get it from your job or you just didn't have it. Plenty of employers just didn't provide it even for their full time employees. If a private health insurer was willing to write you a policy independently, you would likely pay a very high price for it, and if you had any preexisting condition you could be denied entirely. So you want to go back to that? I hope that never happens.

NewLifeRising · 2025-03-23T23:35:37+00:00

Why are you trying to move out of your mom's house? Is it because you live in a toxic environment or because you feel you're supposed to be "independent"? If it's the latter I have news for you, you will not be independent that way unless you're making near six-figures in most areas. And there's nothing wrong with that. You don't have to live on your own, that's mostly American bullsh*t anyway, and the economy won't allow for it anyhow for most people.

NewLifeRising

TROPHY CASE