@eladar said
Oh, you mean a person who makes much more money than it takes to survive.
Talk to me about planning and saving when you support a wife, two kids, a dog and cat bringing home 1700 dollars a month.
To replace a hip on a dog is $4000.00 It really is. So you elected to own a dog, vet bills, etc. You CHOSE to be in a tight situation, and to have a family a bit larger than your budget to can handle? To answer your question, THIS was your plan. I truly feel for you in a tight spot, and it appears that the middle class is about to get hit by the negative impact of the raising of corporate tax, the inflation, etc etc.
So, try to plan again, and of course 2 jobs is a good idea, I did that in my early days and found it invigorating and rewarding. And all the while you are working, keep your eyes peeled for new opportunities. My BEST secretary was a sharp girl at the local bank who sneaked into my office to ask for a job and I knew how talented she was. She was with me 25 years. So, as you bump into movers and shakers,, get to know them and make the same inroads, do what she did. Join the local Kiwanis or Rotary and meet these people. If you see advancement, jump on a mediocre job just tp get in the door. The point of all this....be proactive. think I am talking too much, but the economy is booming now, believe it or not, and this is your moment. Luckily, the free money is now being shut off so many people will be off the couch.....you need to get ahead of them with employers looking, who have high paying jobs. Sorry to talk so much, I deal with similar situations and have seen many a young fellow excel by just simply 'going for it'.