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re: Tough career decision
Posted on 1/14/22 at 10:53 pm to SidewalkTiger
Posted on 1/14/22 at 10:53 pm to SidewalkTiger
quote:
The reviews I've read have been good as far as folks even having cancer and that type of thing. I've always just had conventional health insurance through my employer though.
This sounds just like Medishare.
1
Posted on 1/14/22 at 10:58 pm to SidewalkTiger
quote:
The cons are no benefits, newish company, a lot of uncertainty.
That’s a big no.
Posted on 1/14/22 at 10:58 pm to SidewalkTiger
If the newish company doesn’t offer benefits then the pay is not close to the same. Your current job is pay, plus what they pay for insurance, plus what your coverage pays for medical bills.
Posted on 1/14/22 at 11:11 pm to JOHNN
quote:
This sounds just like Medishare.
Same concept but different company from what I can tell
Posted on 1/14/22 at 11:16 pm to SidewalkTiger
I haven't read any other comments. The experience of leading ops in a small business, from handling HR issues to making varied decisions, can be invaluable. You can always return to sales, with good business/leadership experience under your belt.
You're young and capable...take a risk, but I suggest negotiating for at least health insurance or a reasonable cost-sharing or allowance for it...and have a strategy for continuing to save money.
You're young and capable...take a risk, but I suggest negotiating for at least health insurance or a reasonable cost-sharing or allowance for it...and have a strategy for continuing to save money.
This post was edited on 1/14/22 at 11:28 pm
Posted on 1/14/22 at 11:19 pm to SidewalkTiger
Nope.
Posted on 1/15/22 at 12:13 am to SidewalkTiger
28 year old with no kids that doesn’t work, wtf
Posted on 1/15/22 at 12:49 am to SidewalkTiger
quote:
She was raised in a super conservative Christian home and they believe a woman's place is at home unless it's absolutely necessary.
We do fine on just my income so it hasn't been a problem.
It will be with kids and no true health insurance.
If you’re dead set on keeping her in slippers in the kitchen you better stay with your stable employer who offers benefits rather than jump ship to the startup.
This post was edited on 1/15/22 at 12:52 am
Posted on 1/15/22 at 12:56 am to SidewalkTiger
Without reading responses, this is literally the easiest of these bullshite posits. No. No do not do that. There is no pecuniary gain and you gave no reason to believe that you could earn or make more with this no benefit startup.
Posted on 1/15/22 at 12:58 am to LSUandAU
quote:
The experience of leading ops in a small business, from handling HR issues to making varied decisions, can be invaluable.
It can be a huge pain in the arse. He will end up doing 2 or 3 jobs for the cost of one with the hope that it will pay off one day when the business grows and the owner somehow magically decides to pay him what he’s actually worth (prediction: will probably never happen).
Posted on 1/15/22 at 1:11 am to boosiebadazz
quote:
If you’re dead set on keeping her in slippers in the kitchen you better stay with your stable employer who offers benefits rather than jump ship to the startup.
This. Otherwise tell her she can get a stay at home job. There is a shite ton of them. Holy hell this thread gave me anxiety
Posted on 1/15/22 at 1:22 am to Mr Sausage
quote:
Will your new job decrease the massive amounts of time you are on this website?
We’ll that’s just downright mean and uncalled for, can’t we all just get along?
Posted on 1/15/22 at 1:23 am to SidewalkTiger
Managing well paid professionals is hard enough at times, I couldn't imagine managing people who are okay with no benefits.
Posted on 1/15/22 at 6:05 am to SidewalkTiger
quote:
No, she doesn't work
quote:
She's been basically lightly remodeling our house
So what’s her OnlyFans?
Posted on 1/15/22 at 7:02 am to SidewalkTiger
Go for door #3. It sounds like you want to change, but switching to a small company with no benefits doesn't sound like a good move. I would personally turn this down but continue to look for something else. Find the best of both worlds instead of settling for something that could end up costing you big time. This is not an either/or situation.
Also, unless you are making baller money, your wife needs to get a job at least until you have children (which you need insurance for!). She needs to make sure she has worked enough to qualify for social security benefits in the future and she also needs to think about the three Ds (death, divorce, disability). I was a stay at home mom for a few years, but we had planned for it financially and there was a planned end date. I don't oppose staying at home with kids, but you are being forced to work a job you obviously don't like while she is staying at home. That is not an equal burden and may eventually lead to resentment on your end.
Also, unless you are making baller money, your wife needs to get a job at least until you have children (which you need insurance for!). She needs to make sure she has worked enough to qualify for social security benefits in the future and she also needs to think about the three Ds (death, divorce, disability). I was a stay at home mom for a few years, but we had planned for it financially and there was a planned end date. I don't oppose staying at home with kids, but you are being forced to work a job you obviously don't like while she is staying at home. That is not an equal burden and may eventually lead to resentment on your end.
This post was edited on 1/15/22 at 7:06 am
Posted on 1/15/22 at 7:27 am to SidewalkTiger
quote:
We've only been married about six months. We lived separately until then and she worked previously.
quote:
She was raised in a super conservative Christian home and they believe a woman's place is at home unless it's absolutely necessary.
Funny how that Christianity kicked in, huh? Both of you need to be stacking money right now before kids. There is no chance you will look back in 5 years and regret that she was earning money instead of at home spending it.
Posted on 1/15/22 at 8:36 am to onelochevy
Got on the political board had to buy his own insurance on the healthcare exchange and for he, his wife, and kid payed $2,000 a month.
Posted on 1/15/22 at 8:48 am to SidewalkTiger
quote:
it's way better/cheaper than insurance
I am a small business owner and we use one and it is absolutely better than insurance. $550 a month or so and we're 100% covered for anything that costs over $300. 100%. No copays. Also, we pay a little extraso we have no upper limit to what they'll pay out per incident. If I get hit by a dumptruck and it takes $5 million to put me back together, I'm out $300. We've had multiple accidents and never had an issue getting it covered.
As for the wife thing, don't listen to these poors. A wife that doesn't work is way more fun. If you can afford it, it's worth it.
The new job sounds sounds like a mistake, at least the deal you're looking at. I'm starting another business, and to pull key people I'm having to offer a percentage of ownership. Unless the experience is super valuable to you, I wouldn't move without a % of the company so that if it works out for them, it works out for you. We plan to do _______ in the future is worthless. The only thing worth anything is what you get in writing.
Posted on 1/15/22 at 9:11 am to SidewalkTiger
quote:
The cons are no benefits,
Deal breaker. With everything going on in the world right now I’d be very cautious before going into a situation with no benefits.
Posted on 1/15/22 at 9:16 am to SidewalkTiger
quote:
No, she doesn't work
Ye, if she did and she got the benefits (however shitty they may be), I'd say go for it. Otherwise, it's taking a risk but not too much of one. It's 50/50. What does your gut say? If it says yes, then frick it, go for it.
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