Elpha’s Post

✅🥰✅ Work SMARTER so that your kids would work HIGHER… ❌Not HARDER 😎 #FinancialLiteracyForWomenNurses💖 Remember, If you didnt come from a Million Dollar Family, make sure a Million Dollar Family comes out of you!💕 ✅ Be a Student of Life & be open minded ✅ Make a CHOICE to explore quality opportunities ✅It’s OK to have a J. O. B but make sure it leaves you QUALITY time for YOUR Life’s Dreams💝 Being a Nurse for almost 2 Decades😳and those double shifts & multiple jobs can take a toll on your body & taxes$🤦🏽♀️$ So work SMARTER😎 ✅Allow your JOB to help you explore other opportunities to create both Residual & Passive Income ❌NO You DONT need to get a 2nd JOB🤯🤦🏽♀️ ✅You need to create systems and structures that afford you BOTH Time & Financial Freedom ✅ I’ll teach you how to do the same ✅💞 ✅All you need is 3 things: 💞1. Phone 💞2. Internet/Wifi 💞3. 2-4hrs of focused time For a FREE Guide & more financial tips💞🥰 Comment “NURSE” or better yet…Go to ✅https://lnkd.in/dYUuq_8A #FinancialLiteracyForWomenNurses #DigitalMarketingForWomenNurses

Students and their families often don't anticipate how the cost to them will increase every year. Whatever pressure they feel about their net price in year one is going to get worse. I have a spreadsheet I use when I'm advising the young people in my extended family that shows this, and here's an example of what I mean. Let's say the rack rate at the college a high school senior is considering is $70,000 and that, after the financial aid package comes in (including loans), the gap the student has to cover is $20,000/year. Ouch! This student and their parents look under the couch cushions and decide they can make it work. The parents want to make it happen for their kid, so they send in the deposit and start planning on the extra shifts and where they can cut expenses. What people often overlook at that moment -- which is already full of complicated details that are hard to interpret and impossible to compare to another school's information -- is that, while the financial aid package will not increase each year, the rack rate will. 𝗧𝗵𝗲𝗶𝗿 $𝟮𝟬,𝟬𝟬𝟬 𝗴𝗮𝗽 𝗶𝘀 𝗴𝗼𝗶𝗻𝗴 𝘁𝗼 𝗴𝗿𝗼𝘄 𝗲𝗮𝗰𝗵 𝘆𝗲𝗮𝗿. My spreadsheet assumes a 3% increase in the expenses, but who knows? At +3% in the rack rate, the gap will grow by: • $2,100 in year two • $4,200 in year three • $6,300 in year four And for God's sake, don't let their be a year five, because you actually start losing financial aid and will have to pay enormous sums to get across the finish line. So, instead of $80k net over four years, this family needs to be estimating a net more like: • $80,000 plus $12,600 = $92,600. ___ Now, let's suppose this student qualifies for more financial aid so their net price in year one is more like $5,000. And suppose they don't have a lot of family support. They're doing this mostly on their own. They take on more shifts at the restaurant job and start saving. This student still has the same surprise coming. Their financial aid will stagnate while their costs go up so they have same absolute increase in the gap each year. • $2,100 in year two • $4,200 in year three • $6,300 in year four Every year this student has a $2k surprise bigger than the one last year. 𝗧𝗵𝗶𝘀 is why students take on more jobs while they're in college. It's not just that college is expensive. It's surprisingly expensive in ways that are 𝗮𝗹𝗺𝗼𝘀𝘁 𝗶𝗺𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲 𝘁𝗼 𝗮𝗻𝘁𝗶𝗰𝗶𝗽𝗮𝘁𝗲 𝗮𝘁 𝘁𝗵𝗲 𝘀𝘁𝗮𝗿𝘁 𝗼𝗳 𝘁𝗵𝗲 𝗽𝗿𝗼𝗰𝗲𝘀𝘀. Assuming they can clear $15/hour at a good job with tips, they need 17 more full shifts in their sophomore year than they were already working, and it compounds every year. That's why they don't show up in office hours . . . assuming they don't stop out entirely. It's expensive. It's complicated. And it's unpredictable. Which is stressful. https://lnkd.in/gF4Xey9Z

Something I would like to get off my chest. As an educator for the last 14 years, my generation has been taught to "go to university and get a good paying job." Here is the reality. So many of us left university with debt. We took many years to find that "perfect job." That perfect job pays, but barely meets the requirements for living so you are continuously trying to figure out what more to do to get more pay. And what do they tell you in education? More credits. So ... you pay for more credits to move up the pay scale. To earn how much more? In the corporate world, you might be attached to your phone when you leave the office because of the new found expectation that we all work 24/7 because of our devices. The emails, the phone calls, the overflow of work that cannot get done in your 8 hour work day. I am here to say that THIS IS NOT NORMAL. Nor should it be acceptable. I have taken a lot of pride in being a teacher during the time I have been, but I have begun to sacrifice too much for the job I am doing. The individuals that have begun to suffer are my family, and myself. I am not asking for a complete shift in the corporate world, but what I believe will happen is individuals recognizing that the corporate world is no longer for them. It is no longer servicing them. I started an online business that is SERVICING MYSELF AND MY FAMILY. I don't need you to jump on board, but what I am saying is, you don't need to wait for someone else to accept you. You don't need to wait months to chuck your resumes to people to not get a response. Months of job searching to get no reply. This simply adds to the depletion of what is happening in the workforce and why we need to start independently thinking about ourselves. My hope for any of you reading this, is you find your place. Some of you I have seen searching for months and while your drive is complimentary, you could be earning at this point, yet you are putting your skills on a piece of paper waiting for someone to answer. USE THEM NOW. Stop wasting time. We all only have one life to live and it matters. You deserve to be happy, you deserve to be abundant.

𝐋𝐢𝐯𝐢𝐧𝐠 𝐏𝐚𝐲𝐜𝐡𝐞𝐜𝐤 𝐭𝐨 𝐏𝐚𝐲𝐜𝐡𝐞𝐜𝐤: "Paycheck to paycheck" is an expression that describes an individual who would be unable to meet their financial obligations if they were unemployed. •"Paycheck to paycheck" is an informal expression describing someone's inability to pay for living expenses if they lost their income. •People living paycheck to paycheck are sometimes referred to as the working poor. •Living paycheck to paycheck can occur at all different income levels. •The working poor are often low-wage earners with limited skills but can include those with advanced degrees and skills. 𝐇𝐨𝐰 𝐭𝐨 𝐒𝐭𝐨𝐩 𝐋𝐢𝐯𝐢𝐧𝐠 𝐏𝐚𝐲𝐜𝐡𝐞𝐜𝐤 𝐭𝐨 𝐏𝐚𝐲𝐜𝐡𝐞𝐜𝐤? •Personal accountability can play a role in balancing one's budget to avoid living paycheck to paycheck, and it may allow for the possibility of savings. •Examine your regular expenses to see if there are items that you can forgo that are not necessities. •You may need to rein in your personal spending habits until inflationary prices come down in order to break the paycheck-to-paycheck cycle. 𝑨𝒅𝒅 𝒚𝒐𝒖𝒓 𝒕𝒉𝒐𝒖𝒈𝒉𝒕𝒔 𝒊𝒏 𝒄𝒐𝒎𝒎𝒆𝒏𝒕𝒔 Follow me if you like my posts & hit 🔔 on my profile 𝑳𝒊𝒏𝒌𝒆𝒅𝑰𝒏: Sachin Sharma 𝑰𝒏𝒔𝒕𝒂𝒈𝒓𝒂𝒎: @gowithsachin https://lnkd.in/djnHH-wy Follow my hashtag: #gowithsachin #gowithsachin #sachinsharma #sachininfluencer #like #recruitment #hr #community #content #recruiters #people #networking #network #networkingtips #staffing #experience #layoffs #layoff #layoffsandjobreductions #recession #energy #job #productivity #planning #leaders #economy #business #talent #contentstrategy #share #marketing #success #art #power #memeoftheday #mememarketing #memesdaily #meme #linkedin #linkedinlearning #Disclaimer: PC goes to original creators, no copyright intended. DM For Credit/Removal.

The truth is, most people are struggling. A 2023 study reveals a stark reality: wages simply aren’t keeping pace with inflation. While the cost of living continues to soar—grocery bills, housing prices, and everyday essentials—our paychecks remain stagnant. For many, the allure of high-end Apple products is a distant dream; the only “Apple” they can afford is the juice from the grocery store. Exotic vacations? Those are fantasies reserved for social media feeds, while the closest they’ll get to an escape is wandering through the fruit aisle. This situation can feel disheartening, but here’s the hard truth: sitting back and hoping for a change won’t bring about the transformation we need. Waiting for a raise or for our employers to recognize our worth is a gamble that often doesn’t pay off. Instead, we must take proactive steps to improve our financial circumstances. Starting a side hustle can be a game-changer. Whether it’s freelancing, selling handmade crafts, or offering consulting services, a side gig can provide an additional income stream that eases financial pressure. It not only helps to supplement your income but also allows you to explore your passions and develop new skills. Investing in skills that matter is another crucial strategy. In a rapidly changing job market, staying relevant is key. Consider taking courses, attending workshops, or seeking certifications that align with your career goals. This not only enhances your employability but also empowers you to negotiate for better pay or transition into a more fulfilling role. Above all, prioritize yourself and your own growth, not just the company’s bottom line. It’s easy to become consumed by workplace demands and expectations, but your well-being and future should take precedence. By focusing on your personal development and financial independence, you can create a more secure and satisfying life. In a world where many are feeling the pinch, taking control of your financial future is more important than ever. Don’t wait for circumstances to change—be the change. Empower yourself, explore new opportunities, and carve out a path that leads to both financial stability and personal fulfillment.

The internet will destroy formal education. $200,000 of debt for what? A graduate job where you’ll become a forgotten number in a massive organization that will work you to the bone for an average salary to help ‘build up your CV’. For that ‘dream day' you can retire at 65 when you’re old and useless... How is that a good exchange of value? Let me be clear: It’s not. Yes, for a few key areas such as medicine, there is a need. But for the 99%, formal education isn’t the best option. Look, I got not 1 but 2 degrees. Then joined a huge construction consultancy. I would have had to wait in line at least 7 years to get a promotion and decent salary. Regardless of how much effort I put in. So to the dismay of my parents 2 years in I quit. Instead, I bought online courses and started taking action. Learning skillsets such as sales, leadership, and persuasion. In the next 5 years, I built 3 remote marketing agencies, the last of which I scaled to $1.2M a year and was CEO on a 6 figure salary. Earning more than the director of that consultancies entire office who was in his late 40’s. And had equity in a growing asset. That’s what’s possible with the internet. So you can either fight it or join the movement. But the transition is happening regardless. Whilst universities cling to their ‘prestige’ and schools try to convince the next generation it's the only path… Millions and millions are skipping the queue, getting practical advice online from industry experts, and implementing. The choice is yours. And remember: It’s never too late to start.

Five tips about staying positive while unemployed: 1. Maintain a structured schedule. One of the subjects in the book continued waking up at 5 a.m. even after he lost his job. Others had an end-of-day ritual to step away from their job search, like going for a walk or making dinner with a partner. 2. Stay engaged in meaningful activities. Clark interviewed a woman who described rediscovering her love of art during unemployment, while others started volunteering, or creating an income stream from a hobby, like dog training. 3. Build mental strength. By reframing negative thoughts, people worked through fear and anxiety brought on during unemployment to avoid paralysis. “To allow negativity to enter my process, or to get angry or upset, only makes the situation more difficult,” said a man named John in the book, who had been unemployed for 24 months. 4. Conserve resources. Clark said people prioritized saving money after losing a source of steady income. For some, that meant reassessing their living situation, like turning a house over to family members to reduce expenditures. 5. Access social support. Without the social interaction provided by work, these individuals found other sources of help and encouragement, including from family, friends, and religious communities. https://lnkd.in/es7GszbC

𝐌𝐨𝐫𝐞 𝐩𝐞𝐨𝐩𝐥𝐞 𝐚𝐫𝐞 𝐭𝐚𝐤𝐢𝐧𝐠 𝐨𝐧 𝐬𝐞𝐜𝐨𝐧𝐝 𝐣𝐨𝐛𝐬 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐭𝐡𝐞𝐲 𝐥𝐢𝐭𝐞𝐫𝐚𝐥𝐥𝐲 𝐜𝐚𝐧’𝐭 𝐚𝐟𝐟𝐨𝐫𝐝 𝐧𝐨𝐭 𝐭𝐨 54% of Americans Got a Side Gig Last Year - Here's Why Talk about a wake-up call! A recent MarketWatch Guides study revealed that over half of Americans picked up a side job in the past year. The reality? They simply couldn't afford not to. Wages aren't keeping pace with the rising cost of living. So much so that 66% of Americans report living paycheck-to-paycheck. With 57% of those folks have added side jobs to boost their income. But here's what you can do about it: 1. Identify your skills: What are you good at? Can you turn it into an income stream? 2. Look for flexible opportunities: Online tutoring, content creation, virtual assistance - the digital space is ripe with possibilities. 3. Negotiate your worth: Don't settle for less. Know your worth and negotiate your wages accordingly. So, are you one of the 54% who picked up a side gig or are you still banking on a single income? https://lnkd.in/e_jNrfUJ

How many times have you changed #jobs? I don't mean changing #career fields, I mean changing #employers. Most people have taken a new #job at least a couple times in their lives. What happens to the #retirementaccounts with those previous jobs? If you've done nothing, they sit there still doing whatever they were doing but you're no longer #contributing #money to it to help it #grow. Take a #401kplan as an example. If you leave it, you risk dealing with potentially significant #fees & limited options for your #investments. For most #people, it makes the most sense to move that money to an option that gives them more #control as well as the ability to #contribute to the #account again to further help #growth. What about you? Have you looked into moving your money from past jobs? I can help you! Allow me the #opportunity to sit down with you & your #spouse to share #information & put together a #suitable #plan for you! If you aren't in my area, we can do a #zoommeeting! Schedule your #appointment with at calendly.com/irriffutable

Hardly post on LinkedIn, but here goes: The Basic Income Grant should not be positioned in value in any shape or form as an alternate to permanent job creation. Job Creation must remain a priority, not the facade of job opportunities where young people get spat out of a 6 month opportunity program that pays a menial stipend but has no real meaningful path to doors of permanent employment that pays a living wage in the least, but much more in its majority focus and result, and ultimately increases local economic complexity. I am disappointed and angered by how quickly our country's so called leadership went from saying we will create 3 million jobs, to then saying we will create 1 million jobs, to then saying 300000 jobs and then changing to saying we will create job "opportunities" This is so embarassing. EPWP which is different was pre-CR. This leadership gave massive funding for management pat on the back networks, gave positions to people who have academic credentials but have never had the experience in actually creating a single job before, and to people who can spend other people's money, but have never had the experience in making or raising money from fulfilling a need or a want.