. Patient Saver has been patiently waiting for the right job to come along.
I saw an online ad this morning that sounded like it could be a good fit, writing case studies and thought leadership interviews for an educational publisher of 2 magazines about 35 minutes from home.
Literally 5 minutes after sending my resume and writing samples I got a reply from the hiring manager. Which is SO nice when I stop to consider how many jobs I've applied for and never heard a word from. We scheduled a phone interview for this Friday morning.
The job doesn't pay much....mid $40s, which is less than half what I made at the bank. Gosh. It's amazing how much pay for the same writer could vary, depending on the employer. After taxes, it would probably JUST cover my annual expenses (usually around $40K), NOT including any further retirement savings. However, it comes with full benefits and the all-important health insurance.
I have to keep reminding myself that with the mortgage paid off and a very nice retirement nest egg, that I can afford to take a lower paying job..as long as I get the health insurance coverage. Even with no further contributions to my retirement savings, I think it would grow over the next few years to where I want it to be.
Right now health insurance thru my former employer is $525/mth. It's a huge expense, and COBRA expires early next year, so I knew I'd have to leapfrog to another employer-sponsored plan some time in 2017 or face who knows what costs under the Trump administration.
My health is great, but the MS meds I take daily would not be affordable if I had no health insurance. Something like $3,000/mth. So employment, for the sake of health insurance (not a paycheck) is really the biggest thing for me.
Back in 2004-2007 I worked at a job right in town starting at $50K. I worried at the time whether that salary was high enough (it was), and that was when I still had the mortgage. So I should be able to swing it making $5k less than that, without the mortgage and not worrying about further contributions to retirement. I can still easily max out my annual IRA contributions by simply doing a transfer from taxable savings into a Roth account. No fuss, no muss.
Anyway, it's just a phone interview at this point, but I hope it works out. I've been trying to ramp up my freelance writing for the educational website I've mentioned before, but I would be hard-pressed to gross more than $900 monthly with them due to their pay scale, and that's just not going to cut it long term.
Hooray, a Phone Interview
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