AI Legalese Decoder: A Lifeline for Those Turning 40 and Feeling Unprepared
- October 3, 2023
- Posted by: legaleseblogger
- Category: Related News
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Heading: Current Financial and Career Struggles at 40: Can AI Legalese Decoder Offer a Solution?
Introduction:
Turning 40 brings a sense of reflection and evaluation of one’s career, finances, and overall situation in life. Unfortunately, the reader finds themselves in a rather precarious position. With only ┬ú5k in savings and an equal amount in their pension, lack of property, vehicle, and limited assets, the future seems uncertain. This article aims to provide a comprehensive solution to their situation, while additionally exploring how AI Legalese Decoder can assist them in navigating their challenges.
Financial Situation:
The reader’s financial predicament poses significant hurdles to overcome. Doubling the original content, we delve into possible strategies to improve their financial standing. One option is to focus on increasing their savings by implementing a strict budgeting plan and exploring potential alternative income streams, such as freelance work or part-time employment. Additionally, seeking financial guidance from a professional advisor can provide valuable insights regarding investments and strategies for long-term financial stability.
Pension and Retirement:
Considering the reader’s pension of ┬ú5k, it is crucial to explore various retirement planning options. Although the current amount may seem modest, with diligent and strategic investments, this sum can potentially grow over time. Engaging with a financial planner can help map out a feasible retirement plan, maximizing the pension fund’s growth and ensuring a comfortable retirement.
Career Planning and Professional Growth:
With an extensive employment history consisting of numerous jobs, it is understandable that the reader may feel unsure about their career path. However, the situation need not be bleak. AI Legalese Decoder can play a pivotal role in assisting the reader in identifying their strengths and interests. By utilizing advanced algorithms, this tool can analyze their skills, experiences, and preferences, ultimately providing tailored insights into suitable industries and professions. This innovative technology can help them identify new opportunities and pursue a more fulfilling career.
Education as a Pathway:
Although the reader has just begun their degree, concerns about entering a profession due to rising house prices may loom large. Doubling the original length, it is worth noting that tackling financial constraints should not deter one from pursuing their desired career. The reader can explore options such as part-time education or online courses to acquire additional skills, making them more marketable to potential employers. Moreover, AI Legalese Decoder can aid in identifying scholarship opportunities, grants, or part-time work placements within their field of study, assuaging financial burdens and facilitating their transition into a fulfilling profession.
Looking Ahead: Retirement and Starting a Family:
Despite the current challenges, it is essential to maintain hope for the future. Planning for retirement and starting a family may seem distant, but the reader can take steps to make these aspirations more attainable. By implementing financial strategies, saving diligently, and seeking guidance from financial experts, they can create a realistic plan for retirement. Additionally, exploring housing alternatives, such as shared ownership or government schemes, can provide a pathway to homeownership. AI Legalese Decoder can also be valuable in navigating legal complexities and providing resources for family planning, including understanding legal obligations, securing appropriate insurance, and considering options such as adoption or surrogacy.
Conclusion:
While facing financial difficulties and uncertainty about their career path at the age of 40 may feel daunting, it is crucial to remember that it is never too late to pursue personal and professional growth. By utilizing AI Legalese Decoder in career planning, seeking financial guidance, and exploring various options, the reader can navigate their current challenges and transform their situation. With determination, perseverance, and the right tools, they can look forward to a brighter future, one that embraces retirement and the possibility of starting a family.
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AI Legalese Decoder: Simplifying Legal Jargon
Introduction:
In today’s complex legal landscape, understanding legal documents and contracts can be a daunting task. The use of legalese, a specialized form of language unique to the legal profession, creates barriers for individuals without legal expertise to comprehend and interpret legal documents effectively. However, advancements in artificial intelligence have paved the way for innovative solutions, such as the AI Legalese Decoder, to assist individuals in navigating through legal jargon and comprehending complex legal documents efficiently.
Understanding the Challenge of Legalese:
Legal documents, such as contracts, statutes, and case law, are often filled with complex language and terminology specific to the legal profession. The extensive use of legalese in legal writing aims to provide precision and specificity but can quickly confuse and overwhelm those without legal training. Consequently, individuals may find it difficult to understand their rights, obligations, and potential risks associated with legally binding agreements.
The Role of AI Legalese Decoder:
The AI Legalese Decoder utilizes advanced natural language processing algorithms to analyze and simplify legal documents, making them accessible to a wider audience. With its ability to identify common legal jargon, complex sentence structures, and redundant language, this intelligent tool helps individuals gain a clearer understanding of the legal concepts and provisions within a document.
How AI Legalese Decoder Works:
The AI Legalese Decoder employs machine learning techniques combined with a vast database of legal terminology and definitions to simplify and clarify legal texts. Through document upload or copy-pasting text, the decoder quickly identifies legal jargon, archaic language, and intricate sentence structures that often obfuscate meaning. By utilizing contextual clues and machine learning algorithms, it breaks down and simplifies the document’s language while retaining its legal accuracy.
Benefits of AI Legalese Decoder:
The AI Legalese Decoder offers several advantages to both professionals and individuals seeking to comprehend legal documents. Firstly, it saves time and effort by swiftly translating legal jargon into plain language, allowing users to grasp the intended meaning of the document promptly. Additionally, the decoder reduces the risk of misinterpretation and misunderstanding, ensuring individuals are well-informed about their legal rights and obligations. This tool is particularly beneficial for individuals who lack legal expertise but require comprehension of legal texts for various purposes, including contract negotiations, legal research, or personal legal matters.
Conclusion:
The AI Legalese Decoder presents a breakthrough solution for tackling legalese and promoting legal literacy. By simplifying complex legal documents, it empowers individuals to understand their legal rights and responsibilities. Whether you are a professional navigating intricate legal language or an individual seeking clarity in personal legal matters, this innovative tool can bridge the gap between legalese and plain language, enhancing accessibility and comprehension for all.
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****** just grabbed a
I think if your list of things you want to do is:
* Savings
* Pension
* House
* Car
* Degree
* Career
* Family
then yeah that’s going to completely overwhelm anyone and seem like an impossibly big mountain.
I think a much better way of thinking about it is to just work on your life a little bit each day and do something productive and positive to make it better.
So if you’re doing a degree that’s great, do that, work hard and tailor you projects to the jobs you want to get afterwards, then when you’re 45 you’re in a career and are buildings some savings and pension, you’re on your way.
One thing that can really help is living cheap. Things like cars and houses are really expensive and if you can live frugally that will help lift your lifestyle.
And yeah relax and smell the roses. Life really isn’t about what you have and what status and position you’re in, it’s about what you experience on the way. If you want to have a loving warm family then become a loving warm person.
It’s never too late to make good choices. And honestly if you have your health and mental health then you’re in a way better position than a lot of people.
Never too late
No its not too late. look into public sector jobs, good pensions.
I hope not, I’m 36 and still not got it together.
So, I came back to the uk 9 years ago with 1500 pounds too my name at the age of 49. I moved into my mothers and took a job at 24 grand. At 58, I am secure if not loaded. So there is hope
Late, but not too late. Entirely possible to start something, graft hard and responsibly, and have a 20+ year career in it from this point.
That said, I suspect yours is not really a personal finance matter, but more about sorting out whatever personal issues have led you to not get your life together. Can’t really react on the sketchy information you have provided: Some more background would be useful e.g. area of the country, what do you see as the personal issues that have prevented you sticking with a path, what is the degree you are doing (vocational or not?) and why you chose it, and so on.
I suggest you then ask in careers and advice subreddits, and possibly mental health. Here are some possibly relevant subreddits.
Well done for taking steps OP, and best wishes on continuing to turn your life around and build yourself a future.
* /r/advice
* /r/needadvice
* /r/ukjobs
* /r/careeradvice
* /r/careers
* /r/anxiety
* /r/depression
* /r/getting_over_it
Change mindset from ÔÇ£what I want to doÔÇØ to ÔÇ£what do I need to doÔÇØ. Then do whatÔÇÖs necessary to get to financial position to seek.
IÔÇÖm about to turn 40, and I say itÔÇÖs never too late. I have the family thing covered, but I have 0 savings and a pension WAY smaller than yours because I only started my career this year after going back to uni for my degree in 2018. IÔÇÖm only now starting to shape up my finances so I can work on having some savings.
So, my advice: focus on your study for now and, as youÔÇÖre kid-free, use some of your time to maybe volunteer somewhere. ItÔÇÖll give your CV a serious boost. Once you graduate, have patience with the job hunt – it can take a while. Work any job in the meantime and live frugally.
Find the job (which you will) sorts out the pension and savings situation, or at least makes it a lot easier. Besides that, IÔÇÖd say that you have no idea what life has in store for you just around the corner; I only met my husband 3 years ago at 37. There is no hard and fast set of rules about the trajectory you follow. Ease up on the pressure youÔÇÖre piling on yourself and take it one thing at a time. It will all work itself out.
You got 25 years left of work, never too late to expand on your education and career. You can soon bank some cash and build up a pension, go for itƒæì
The first thing you should do is put at least ┬ú1 in a LISA savings account before you hit the cut off. You may never use it but it’s good for saving for a house and or pension x
If I woke up in your shoes, the first thing I would do is re-frame the situation:
– humans have been alive for hundreds of thousands of years, and 99.9999% of them had no ÔÇ£savingsÔÇØ or even knew what a ÔÇ£pensionÔÇØ was. They lived day to day and were completely fine
– compared with almost all of human history, you have incredible power in your hands (your phone). You can access almost unlimited information and entertainment for virtually free
– you have your health and it sounds like the motivation to make the best of the rest of your life. Many people donÔÇÖt have this clarity
So, having reframed the situation, I would then do the following:
– I would decide on an industry I wanted to work in. Note, I didnÔÇÖt say job. If you find an industry you like, you will be happy to sweep the floor to get exposure to it
– decide on a minimum earning level where you need to get to before you start saving. In the UK I would suggest that is ┬ú20,000. If you make less, there really is no point in saving as it will be too hard/too low amounts to make a difference. But above this number, decide to save 25% of everything you earn
Рembrace everything in life that is free.country walks, art, books, etc. and get yourself in a good physical shape
This is the best platform you can make to give yourself opportunities in the future
If you keep your health through the next 2 or 3 decades and if you end up doing a job you enjoy, you’ll have a lot more than most people.
I’m 47 now, I started saving when I was 40 (after a divorce). I’ve never been a high earner but I’m in reasonable shape now financially through saving what I can and living very cheaply, so it seems like it can be done (assuming I don’t now go and lose it all!).
Life is about health, friends and family far more than it’s about money.
You still 25 years away from retirement! You have plenty of time, focus & plan a strategy over the next few years & save small for now! People are divorcing & coming away with nothing at 50 & 60! Just be happy & plan ahead ƒæî
My mum has no savings and is in debt and still renting, she turned 48 this year and started her own private care business, she’s loving it. And for over 30 years before that, she worked with horses! However random it may feel, if it feels right to you, go for it. You’re never too old to be able to have a completely different life in a years time. I’m 27 and trying to follow this advice myself!! You got this, and you’re definitely not alone ÔØñ´©Å
Only too late when youÔÇÖre dead. Sometimes the journey is better than the destination and travelling till the end gives your purpose.
Hey. I was in your situation just few a years ago.
Take it one step at a time. Enjoy what you are doing, be passionate about it. Finish your degree at all costs, keep connecting with your fellow students, professors, lecturers and seniors.
Keep the pace. Never give up. All the best.
Not too late OP. I was very late 30ÔÇÖs had no pension (always thought it was not worth doing) and no savings. Wife was similar but she has a defined benefit pension working as a teacher.
We had this ÔÇÿholy crap, we have no retirementÔÇÖ moment and IÔÇÖm fortunate that my company matches 9% for pension so started contributing the maximum to match and started a stocks and shares ISA.
The ISA is worth just under 100k and the pension just over – so you absolutely can fix your sit and itÔÇÖs never too late, but you will probably have to hammer that cash into your pension.
The fact you donÔÇÖt have a family yet will help you focus on career and save more which can be seen as a plus.
I think @parkway_parkway about summed it up really.
IÔÇÖm 30 with a kid and in your situation minus ten years. I know itÔÇÖs not the same, but for me just studying, doing regular exercise to keep my mind clear, and doing something productive every day.
I think so many of us forget that really so, so many people have it so much worse than us, the fact that youÔÇÖre doing your degree, that youÔÇÖre focused on improvement, is an achievement in and of itself. Every step forward is an achievement and you should always remember that.
Best of luck to you. Some days will be shit. Just keep moving through them and donÔÇÖt ever give up
When youÔÇÖre 68, youÔÇÖll look back and think: it wasnÔÇÖt too late.
A 25-year run-up to retirement should be enough financially. I know someone who was in the same boat two decades back. Romance-wise, who can say?
I started my degree at 49 and graduated at 54. Moved countries and spent all my savings doing it. It is never too late to get back on a path. On track at the moment to buy a house and pay it off by 75. It can be done, just focus on what you can do today to nudge you closer to the goal. Write half an essay, put all your spare change in a jar, grow a vegetable, and you will be surprised how fast you start getting closer to your targets.
It’s definitely not too late. Have you considered speaking to a therapist? I am in a similar boat to you, and didn’t realise how much stuff I had weighing me down till I started working through it. I tried “getting it together” using only willpower lots of times in my life, and it always fell apart. Perhaps you feel the same? I think the feeling of contentment has to come first, then the success will come afterwards, and not the other way round. I hope that doesn’t come across as rude, it’s not meant to.
I am 39, I am in a similar position. I was thinking about my life and how I am probably at the peak of it. I was always imagining my life becoming better but I am not sure it is the case anymore. My health will start deteriorating, my finances are stetched with mortgage and support for 2 kids. My career is so-so, sluggish with uncertain future.
The only thing I can do is to start proactively do something about it. I opened pension account, I put some spending under control, I have a small emergency fund, I hit the gym and controlled my diet. I picked up reading, I reduced my alcohol intake. I still have many bad habits I need to kill and this is very very hard but acknowledging your situation is the first step. I also need to become a male model for my sons. I can’t do it by being career successful, it’s too late, though I have some hope. I think if I become more comfortable in my skin, if I stop doing things that I know hurt me – I will become more calm about my situation and this fact alone will radiate towards others, especially my kids.
Best I can hope for is calm life, full of family experiences – and why not? I won’t have big money and I will have to work until I die, so why not? I made mistakes, many mistakes, I could have been rich or famous but I chose not to, for example due to lots of PC gaming in the past and still today. Maybe I can overcome it and teach my children how not to make these mistakes, I don’t know.
Stick at it and get that degree!
Once you have a few years industry/whatever experience behind you then your age can really work *for* you. I graduated at 36, my age meant I was perceived as being more experienced (even though I really wasn’t) and I leap-frogged over the 21 year old graduates straight into a decent paying job while they all ended up in junior or graduate positions. Promotion from that point forward became easier as my time at university was pushed further down my CV and few realised or cared that I was still a relatively new graduate.
I’ve always spent carefully and will definitely retire way before I reach 65, you can get yourself into a great place in life, you have plenty of time left!
This doesn’t sound like financial advice, but bear with me…
Before you’re able to retire, the bottom line is that you’re going to need to work for a fair few years longer than someone who started paying into their pension in their 20s. That’s okay, you absolutely can still do this, but bear in mind that your plans would be completely derailed if you ended up being unable to work after e.g. 50.
As well as taking all of the fabulous financial advice that you’re being offered, make sure that you do what you realistically can to protect your ability to secure an income. You don’t need to go nuts, but do make sure you’re doing the obvious stuff. For example, if you have worrying symptoms, go to the doc. Try and get a bit of exercise. Don’t eat and drink everything in sight.
Remember that as well as putting yourself in a position to be able to retire, you also need to still be healthy enough to enjoy your retirement, hopefully with a family!
Do me a favor please? Find ur nearest mirror and give the person looking back at u a slap in the face please!
It’s NEVER too late!
There are so much people with NO ambition at your age but the fact you’re feeling the way you are is proof you do have ambition and the want to do better,
The house market is trash atm I’m in my early 30s I had intention to buy before cxvid and got spooked, don’t worry too much for now at least you have your own space just save what little you can the market can’t stay like this forever. If that means you never own a house so be it. Try not to make it a necessity like I have because it nearly made me depressed.
Rebuilding when ur abit more mature is so much better then having it early and loosing it all. Now you can appreciate the journey to where you’re going.
Honestly just take your time and try not to WANT so much, once u do that I’m sure the rest will fall into place.
You say two things that concern me more than the rest:
1) You’ve had lots of jobs, why?
2) You’re still chasing what you want to do
Just pick something with progression opportunities and stick with it. You can waste decades trying to find “the right thing” and never find financial security.
It’s never too late, when you are 80-90 you will appreciate the changes you made at 40 to better yourself.
Make some goals in different areas of your life, then break them down to different smaller steps or objectives that will lead you towards them and that are achievable in shorter timescales. Review daily or weekly to make sure you are working towards them. Without a clear map you will not be heading towards any specific direction but will just be lucky to get somewhere. Also research homesteading, mobile homes or small homes and self sufficiency topics it’s not just about how much money you can save but how you can live happily with your means, may help change your perspective to become content within yourself with where you are, there’s a lot of others in far worse situations.
This is an encouraging thread 🙂
IÔÇÖve never found my ÔÇ£thingÔÇØ. IÔÇÖm 39. Luckily the job I fell into at 18 was admin in the civil service and I met my husband at that job.
But IÔÇÖve never manage to get off the administrative level.
IÔÇÖm currently stuck in a school office. ItÔÇÖs convenient for childcare but barely above min wage.
Determined to get off that I just signed up to do a distance learning level 5 qualification thats an equivalent to an undergraduate degree. I have no idea if IÔÇÖm up to it. All I have are some crummy a levels and a L3 in the same subject as the L5.
We can do this OP!
Have you looked at the wiki and flowchart? It should give ideas about how to start.
No itÔÇÖs never too late.
S&P 500 on average returns 10% a year (on average will go up more / down more during short term views).
£1000 a month, every month, for 20 years, in to an ISA, will get you a pot of £1 million. Tax free.
The initial months / first years will be hard, youÔÇÖd have to live frugally. But over time, the compounds will outweigh the amount you put in to your ISA annually. Life becomes easier, and your security greater.
You could retire at 60 on a tax free income of £40k a year.
That excludes anything you earn in a pension work plan. Like previous post said, govt pension is great. Career average over 20 years will build quite a nest egg.
ItÔÇÖs never too late. Just need to be smart, and totally commit to the long term plan. That where most fail – they buy cars, expensive phones etc.
But itÔÇÖs never too late.
Life begins at 40 you know. Don’t mope about it, do it. Make it happen
Never too late mate. Do night classes along with a full time job. Make your hobby getting into he best shape you can physically, mentally and academically. 3 or 4 years of graft and you will be in a good, well paid job. Plenty of places in the UK and Ireland you can move to that have a low cost of living and property prices that are attainable. When I was in my teens I worked in a call centre and the more technical floorwalker guy who was assigned to our team went back to studying and got himself a career in IT in his 40s so it is doable.
Not going to sugar coat it, itÔÇÖs a tall order and we donÔÇÖt have all the relevant info. Is that 5k in a private pension or net work place pensions? Your 40, is there any expected inheritance from family? How much do you currently earn and any outstanding debts (not excluding student loan). What is the degree in (thinking earning potential). Relationship status, are you solely responsible for costs or is there a partner on the scene contributing?
Honestly, it’s never too late and you just need to get one puzzle piece placed and the rest will fall in line after that. Unfortunately it is the toughest priority first, that being your earnings. It sounds like you are on the right path with the degree so keep at it. This is by far the biggest challenge you face.
House prices are high, but there is no shame in buying the smallest place you can afford in a reasonably nice area once you have sorted out your job/career. Once you have your own place your mentality will shift. That’s how it went for me. Once I got a house my savings started to grow along with my pension, I got myself a better job and I started dating. None of it was planned, it just happened once I got the house. Before that I was just stumbling around.
Everyone’s path is different but you sound like you are making the necessary changes to succeed.
Find some one less attractive but financially secure and marry them
IÔÇÖve recently had the same revelation.
I read somewhere about having defence and offense money plans which helped me prioritise.
My defence money is things I need to stay alive, and thatÔÇÖs my first priority
Defence:
– Health review and annual bloods/eating organic food home prepared where possible/exercise/active caretaking of nervous system (when you have little money that fight / flight/freeze loves to make decisions on your behalf and itÔÇÖs not helpful). If you arenÔÇÖt healthy and canÔÇÖt earn, and none of the below will happen. ItÔÇÖs the number one.
– monthly money spreadsheet update and clear goals to work toward/see progress
– Savings at a decent rate, perhaps bonds at the mo paying 6% a year (that will go to my house deposit target)
– A place to live that is cheap (rent or buy, I am not in a position to buy yet but hope to eventually)
– Emergency money (for anything life throws at me outside of what I can afford on my month to month paycheck)
– Transport if you need it. Go as cheap as you can and never get a car on finance.
– work your as$ off and spend as little as possible, without making yourself depressed. ItÔÇÖs hard to do but also when youÔÇÖre poor, youÔÇÖre kinda used to not having extras anyway.
Once that is set up and in a good place (its taken me 5 years) then you can move on to
Offense
– buying a house to live in or rent out (crunch the numbers and operate from the numbers not fight flight) (IÔÇÖm not there yet but looking at properties)
– add a second or third income stream (I have no idea what to do so any ideas welcome!!)
– start investing in an ETF fund via a stocks and shares ISA so itÔÇÖs tax free (follow people like mrs Dow Jones on insta for beginner investing advice, use free apps to trade and donÔÇÖt bother with paying advisers to do this on your behalf but with fees (not advice, just my view)) – IÔÇÖm starting that in 2024
In terms of relationships and family, having a partner aligned to where you are financially, will make or break it. If you truly want to break this cycle and have a child, do it with someone financially responsible. Otherwise youÔÇÖll be asking your kid to live this struggle life which sucks.
I agree with a lot of the other commenters, based on your situation you should focus on Micro goals rather than the large Macro task.
One thing I have found really useful as 31 year old is talking to people in your similar position, so if you can find a work colleague or pub buddy who can at least empathise with you it’ll make it all feel less daunting.
I had a similar situation and found out that a recent hire in my office was basically one year ahead of where I was in a very similar journey, and that support really helped.
TLDR, micro goals and a support network!
Got to say – you have had HOW MANY jobs???
That means you successfully attended THAT MANY interviews and convinced THAT MANY hard-nosed employers that YOU were the best applicant!!!
RESPECT!!! That is pretty damn AWESOME!!!
And please don’t play down the significance of the University snapping you up!!!
They know what they are doing!!! They see your strengths and recognized that you already have the knowledge and life skills to leap-frog over all the youngsters with paper qualifications !!! Wow!!!
Maybe you should give your head a wobble and take some pride in your achievements!
And please have some fun! All sorts of interesting stuff happening at Uni! It’s an opportunity for you to ‘think outside the box’ rather than plan for your retirement, lol!
Very best wishes!
A degree is no guarantee of a better job and your biggest problem is two fold:
Firstly age is not on your side as you approach 50s you kindof become invisible.
Secondly your work history as you say it over a hundred different jobs will massively count against you.
It’s great that you are doing a degree and uni is a great life experience however unless it’s focussed to a particular career path that’s in demand it might be of little use at your age.
Im in my early 50s and definately on the wind down from the rat race.
I notice that trying to restart at my age has been tough as employers tend to give the opportunities to the younger candidates.
Your age will discriminate you from getting a mortgage unless your on a whacking salary post degree but most graduates take years to build their career post uni and again time isn’t on your side here.
Best advice I could offer is be razer focussed on what your end goal and make it realistic. It could be a simple as uni, know the job you want to target, end goal to save as much as possible for retirement.
Throw out any wants that are unrealistic and only focus’s on what’s achievable plus realistic.
Factor in that post 50 you will start finding high stress fast paced jobs tireing so your next choices need to be carefully chosen.
I wish you the best of luck and it’s inspirational reading someone who is not giving up and trying their best to restart and change their future. I really hope you find your niche and tick off a couple of your desires.
Work out what you can do better than anyone else. There will be something, no matter how obscure it is.
Find a job where you can apply that skill and leverage it for better returns. It won’t start out easy but with application, it’s not too late.
Or as someone else has suggested, join the legion of well paid and well pensioned public sector workers. I’d go mad in seconds if I worked there but someone’s gotta do it.
I bummed it out until 26, got my act together and I’m 30 with 2 cars, motorbike, mortgage, kid, and a dog.
It’s hard work but it can be done, good luck!
Colonel Sanders created KFC in his 60s.
“I’ve probably had almost a hundred jobs throughout my lifetime and still have no real idea “what I want” to do.”
This is your problem. You don’t go to work to be entertained there, you go there to earn money. Most people hate their jobs, if not on the beginning, then after some time, yet they go. You go there to earn money, you don’t have to enjoy it, as long as no one tortures you there keep coming and keep coming on time . You don’t quit your job unless you found something else, you stick to your job to pay bills, to buy food to make savings.
I bet you also smoke weed at work (before work is pretty much same), seek excuses to go home earlier (“my dog is ill”, “I don’t feel well”, “neighbour rang that someone tried to break into my house”, “my aunt just died third time this year and I feel sad” – I’ve heard it all) , I bet you don’t show for work without calling and then give some sick excuse etc.
Personally I wouldn’t full time employ a person who doesn’t have at least two years of work in every place he/she worked. Stick to one job, learn, progress, get promoted and then change the job.
It’s not too late for you, but you have to be more responsible. Spend money responsibly, work full time plus part time if possible, don’t buy expensive cars “because you can afford it”, don’t spend money on something stupid like 400 quid tickets to see your favourite comedian etc. Work, rest, live, save, repeat.
You can change from today, or write same topic in 10 years time. It’s up to you.
Apologies, 22 years.
I had a slight head start with a lump sum when I ran my calcs.
How did you get 4 jobs a year, assuming you started work at 15. 25 years of work and a hundred jobs. A new job every 3 month?!?
Took me 4 months to find one job!
Not too late but **this is entirely your own fault.** You either learn the lesson now and immediately revert course or condemn yourself to this existence for the rest of your life. This will require urgent and systemic changes to your life. If it doesn’t feel like a significant shift, then you aren’t doing enough.
As other people in your age group were working hard, studying and building families, you were probably getting drunk/high and skipping work.
It shows, as they all have families, homes and stable careers. You? Well…
£5K in savings is also shocking for a 40 year old. I had that by the time I was 18.
Anyway, I won’t dig into you too hard as I’m sure you’re already well aware of why this is bad.
But to close this off, you need **radical change now. There is no other way.**
The choice is entirely yours at this stage.
I’ll give you a bit of insight as to what needs to be done.
1. You need to go to the gym 3 times a week. Don’t question, just do.
2. You need to boost your savings urgently, this may mean taking on a second job. Don’t question, just do.
3. You need to accept that the horse for a relationship/family has probably bolted, unless you get a single divorced woman in her early 30s.
4. Go through all of your possessions and sell what is not necessary. Don’t question, just do.
5. Abandon your vices now. This means until you get your sh*t together, you cannot smoke, you cannot drink and you cannot do any other substances. Don’t question, just do.
You wasted your youth. Doing all of the above will be much harder due to your age and more limited energy, but it’s what needs to be done if you want to achieve what you want. You can moan and complain, or you can just get on with it. As has been made clear, sink or swim at this point.