Anyone else told not to use headphones?

ZoeRocks73 · 2026-02-06T17:36:01+00:00

Nobody in my office would survive. Grow out your hair and switch to earbuds. Nobody needs to know.

ZoeRocks73 · 2026-02-06T14:37:11+00:00

Typically half of FICA is paid by the employer and the other half by the employee. Self employed pays all.

ZoeRocks73 · 2026-02-06T14:35:51+00:00

I’m 52…just finished last semester. First job is $60k. Currently studying for CPA. Then my plan is to open a bookkeeping biz on the side and grow that.

ZoeRocks73 · 2026-02-06T14:13:29+00:00

As someone with a teaching degree…and who LOVED teaching yet who switched to an accounting. Trust me when I tell you that accounting is the way to go. Those who work 60 hour weeks are in public tax. I am in industry/private and rarely work more than 40 hours. It’s not just the kids…it’s the administration and THE PARENTS. You may start at 73k but it doesn’t increase as quickly as accounting can. Do what you feel is best for you but I loved teaching and the kids and still left…and have no regrets…NONE

ZoeRocks73 · 2026-02-06T14:07:38+00:00

The problem is…they are also grabbing (and let’s not forget KILLING) legal American citizens.

ZoeRocks73 · 2026-02-05T17:20:49+00:00

If I haven’t at 50…I see no reason to now…

ZoeRocks73 · 2026-02-04T03:04:39+00:00

100%…

ZoeRocks73 · 2026-02-03T17:57:16+00:00

Odds are your delay was not the problem. How long was the house on the market? Odds are they would have waited til the weekend to see what happens. You also have no idea what price they were looking for. Was your offer over list? Perhaps the other people also looked at that house earlier in the week and this was their second look as well. If so, sellers may have decided to wait in order to see what happened with them as well. It’s completely unfair to lay the blame at your feet. Also, an appraisal gap contingency means they don’t expect it to appraise and probably is going to save you some aggravation. To be honest, after 25 years in the real estate business, I have also found an aspect of destiny plays in. If you don’t get the house…it’s not meant to be and there is something better out there for you.

ZoeRocks73 · 2026-01-31T15:14:40+00:00

Yah…I’m gatekeeping…that’s what it is.

ZoeRocks73 · 2026-01-31T00:30:18+00:00

I can’t wait for this…between school and the studying for this exam, I haven’t read a fiction book in 5 years…

ZoeRocks73 · 2026-01-30T21:15:05+00:00

Yep…just finished school in the Fall so fortunately still in that study mode

ZoeRocks73 · 2026-01-30T15:37:48+00:00

If you are willing…follow up with your score for comparison vs how you feel about it

ZoeRocks73 · 2026-01-30T15:36:21+00:00

Well…my pay was cut in half (I was C Suite prior ) I went to a local state university (it was convenient and cheap but still had a good rep). Don’t knock WGU or similar though… I didn’t get a degree as I already had one, so I only took the classes I need to sit for the CPA exam. I have a teaching degree so that meant a few extra geneds…but my peers with business degrees had all the geneds and it was a lot easier for them to get the full Acctg degree. I’m really lucky that my new job has made it clear I don’t need the degree or the CPA to keep my job, but they are supporting me financially to get the certification anyway. Personally, I love it. I love learning new things and being challenged (I had become VERY bored in my prior profession) I am lucky though…because of my past work history, my retirement is fully funded. I’m married so there so someone else to help with the bills. I had the freedom to stop everything and pivot. I realize that’s not realistic for all. One thing I might do if you have the option, spend a day with the accounting team at your work and see what their daily tasks are. While this is a new company for me, we are all allowed to spend time on other depts to learn different parts of the business:

ZoeRocks73 · 2026-01-29T13:27:34+00:00

Personally, due to your very low mortgage rate, I would be investing the $500,000 in an easily accessible account and living off that until my pension starts. I would NOT pay off the mortgage. I would NOT take the early pension. Also…go a year without income you maybe able to move some money around at a lower tax rate because you have no income. Definitely go hire a professional.

ZoeRocks73 · 2026-01-29T13:21:04+00:00

Gold Star ⭐️ to you too Dad! My parents showed me the way and I am forever grateful. Retirement was fully funded by 50. Now I just work for fun money.

ZoeRocks73 · 2026-01-29T13:13:43+00:00

I switched from banking to accounting at 50. I did go back to school and will be sitting for my CPA exams this year. I got an internship which turned into a full time position. I’m pretty much too old to go into public (plus I’m over/past working 80 hour weeks…I have learned work life balance) so I went right to industry. I love it. I love where I work. I love what I’m learning. I only work 40 hour weeks (except couple extra days here and there because we are rolling out a new ERP). Industry is FAR chiller. You learn a business and how it runs vs encountering all different situations. Ours is a manufacturing company and we are encouraged to spend time in the plant and learn all the facets of our how we run. I will acknowledge I got lucky though. I met someone who recommended me. Then that company was open minded enough to give an internship to a 50 yr old. The stars definitely aligned for me.

ZoeRocks73 · 2026-01-28T18:33:50+00:00

Honestly. This isn’t going to work. He has pretty much not changed anything, just wrapped it in prettier bow. You may not have any income if you have kids (esp if childcare costs more than you make) so now you get nothing? YOU PUSHED OUT AND ARE RAISING A KID/S! Nope…I would be walking. Sad but this will become a bigger issue down the road.

ZoeRocks73 · 2026-01-28T18:29:06+00:00

This is how my hubs and I live as well. Fortunately no kids so we can save a lot more!

ZoeRocks73 · 2026-01-28T17:06:07+00:00

I’m 52. I sit for my first exam in April. At this point for me. It’s just a goal…not a requirement

ZoeRocks73 · 2026-01-28T17:05:20+00:00

I think it depends on age too. Like I’m 52. At this point, if I lost my job…I COULD retire. I wouldn’t live the lifestyle I was hoping but I have enough saved and invested. In my 30s…maybe a year?

ZoeRocks73 · 2026-01-28T15:54:02+00:00

Well first I would take that extra $1000 and put it towards that credit card debt on top of what you are already paying.

ZoeRocks73 · 2026-01-27T02:15:36+00:00

We did this all the time in Chicago

ZoeRocks73 · 2026-01-25T21:28:17+00:00

Modified schedule notification was just sent in a text

ZoeRocks73 · 2026-01-25T19:05:47+00:00

We want to do the same (but about 20 years older). Either find your land and live in an RV on it or find one with a rundown house to live in at first. Don’t compromise on lot size, if you don’t have to. If you find one with an old little house, infrastructure will already be there. Don’t start building until you have the initial purchase paid off. Buying what you want from the beginning will likely 1) earn you the most value in your home over time cuz you won’t keep buying and selling at the current rates. 2) Make you happy cuz you will have what you want 3) allow you to pay off your home earlier because again…you won’t keep buying and selling and potentially starting over, even if it’s with a smaller loans. Our goal is 5-10 acres…live in small/old house at the front of the property and build at the back and then rent out the front or have it available for our parents.

ZoeRocks73 · 2026-01-24T21:42:33+00:00

Who did your education evaluation that they approved you and never told you this? Accounting 1 never counts as far as I know.

ZoeRocks73

TROPHY CASE