• About Me
  • Courses
  • Contact
    • Ads
  • Press & Media
  • Free eBook
  • Free Facebook Group
  • Disclosures
    • Privacy
Yes, I Am Cheap
ADVERTISEMENT
  • Home
  • News
    • All
    • Politics
    stimulus

    Why You Might Not Get A Stimulus Payment

    Credit card security, equifax data breach

    How to Claim $125+ from the Equifax Data Breach Settlement

    foreclosure homes - When Does It Make Sense to Refinance?

    When Does It Make Sense to Refinance?

    no apple

    Get A New iPhone? Heck No!

    poor definition

    Mom Fired For Working At McDonald’s While Kid Plays In Park…Was She Wrong?

    What’s Keeping You From Finding A Job

    U.S. Students Fall Behind: Seemingly Get Dumber By The Minute

    Trending Tags

    • Trump Inauguration
    • United Stated
    • White House
    • Market Stories
    • Election Results
  • Lifestyle
    • All
    • Food
    • Health
    mask insert

    Wearing A Mask? This Can Help You Breathe Easier

    high deductible health plan

    What Is A High Deductible Health Plan?

    free thanksgiving dinner

    How to Get Your Thanksgiving Meal for Free

    using hand sanitizer, your own

    How to Make Your Own Hand Sanitizer

    Yoga pose

    5 Ways to Practice Yoga on a Budget

    Traveling, new cultures, Start a Saving Challenge, Spend Smart on Food

    3 Simple Ways to Save for A Vacation

    Trending Tags

    • Golden Globes
    • Game of Thrones
    • MotoGP 2017
    • eSports
    • Fashion Week
  • Investing
  • Make Money
  • Learn Something
  • News
  • Reduce Debt
  • Rental Property
No Result
View All Result
  • Home
  • News
    • All
    • Politics
    stimulus

    Why You Might Not Get A Stimulus Payment

    Credit card security, equifax data breach

    How to Claim $125+ from the Equifax Data Breach Settlement

    foreclosure homes - When Does It Make Sense to Refinance?

    When Does It Make Sense to Refinance?

    no apple

    Get A New iPhone? Heck No!

    poor definition

    Mom Fired For Working At McDonald’s While Kid Plays In Park…Was She Wrong?

    What’s Keeping You From Finding A Job

    U.S. Students Fall Behind: Seemingly Get Dumber By The Minute

    Trending Tags

    • Trump Inauguration
    • United Stated
    • White House
    • Market Stories
    • Election Results
  • Lifestyle
    • All
    • Food
    • Health
    mask insert

    Wearing A Mask? This Can Help You Breathe Easier

    high deductible health plan

    What Is A High Deductible Health Plan?

    free thanksgiving dinner

    How to Get Your Thanksgiving Meal for Free

    using hand sanitizer, your own

    How to Make Your Own Hand Sanitizer

    Yoga pose

    5 Ways to Practice Yoga on a Budget

    Traveling, new cultures, Start a Saving Challenge, Spend Smart on Food

    3 Simple Ways to Save for A Vacation

    Trending Tags

    • Golden Globes
    • Game of Thrones
    • MotoGP 2017
    • eSports
    • Fashion Week
  • Investing
  • Make Money
  • Learn Something
  • News
  • Reduce Debt
  • Rental Property
No Result
View All Result
Yes, I Am Cheap
No Result
View All Result

It’s Your Fault That You’re Still Unemployed

Sandy Smith by Sandy Smith
February 6, 2021
in Work
0
Share on FacebookShare on Twitter

This post may contain affiliate links which may compensate us based on your interaction. Please read the disclosures for more information.


Welcome back! Have you checked out the free webinar on how to establish credit for your small business?


There, I said it. It’s what everyone else is thinking but are too afraid to actually say to you.  You’re my friend, and I love  you, but really, it’s your own fault that you’re still unemployed.

That’s what I’ve wanted to say to my friend that has been out of work for over  2 years.  She was laid off from her job at a top 5 investment bank after working there for 8 years.  Prior to being laid off she has been unhappy, – no, no, she was miserable – with her job and had actually been contemplating quitting to start a new career.  Recognizing the signs that they were probably about to start laying people off (I had been part of a layoff wave at the same company years before), I told her to stick it out until they were laying people off and if she was not part of the layoffs, asked to be packaged out.  That way she would receive a decent package (usually months worth of salary) and some other job finding assistance.  My advice was that until then she should brush off and update her resume, line up prospective people to be her references, figure out what she wanted to do, and generally get her ducks in a row.

Lo and behold, she was a part of the individuals that were laid off.  Somehow she was surprised.  I don’t know why, but I wasn’t and was she was sad.  Now, please understand my frustration because I was treated to her daily complaint for months before what I believed was a blessed occurrence.  The severance package was very generous.  She received 8 months’ salary and would be on the company’s paid health insurance plan for another 6 months.  After that she could purchase COBRA.  They also fully vested her in the 401K program which was worth tens of thousands of dollars.  They would also pay for her to complete any certificate program of her choosing and they lined her up with a job placement company whose services they had paid for.  All-in-all, I thought that it was great.

My advice to her was to hit the ground running.  This whole financial crash thing was starting so I told her to start looking for a job, and if she could take a few night classes to supplement her education (Associates degree which isn’t enough) then she should.  What did she do?  She decided that she needed “some time off”.  I didn’t think that it was the smartest thing to do, but by time off I assumed she meant a week.  I would have said two weeks at the maximum.  Two weeks turned into something like 6 months.  That’s right, it was six months of vacations, sitting on her ass, talking on the phone, shopping and doing nothing but being self-indulged.  At about the 6 monthIt's Your Fault That You're Still Unemployed mark she received the notification that she would have to pay for her own health insurance.  That is what made her realize that she had been sitting around for 6 months doing not a damned thing.

At that point, she decided that what she needed was to change her career. Perfect, I thought.  The company will pay for her to take course leading to a certificate, but the course had to end within 1.5 years.  Great!  She wanted to go into the health care industry and there were plenty of either certificate or degree programs that could be completed within that time if she went full time.  What I was treated to was a long tirade about how “impossible” it was to complete 2 years of school within 1.5 years.  I pointed out that I completed grad school in that much time AND I was working full-time at the same time.  I also pointed out that she didn’t need to take summers or winter breaks off and that would allow her to finish in the allotted time.  She thought that I was nuts.  Instead she enrolled in a slow and steady wins the race program part-time, night program with the luxury of summers off. Great, ’cause you know, that whole not having or looking for a job thing is really hard to do when you have school.

Fast forward to more than 2 full years after she has been laid off.  She is now on unemployment which is in the extension period signed by President Obama.  She is still working on a certificate and she in miserable.  I get phone calls from her daily that there are “no jobs” to be had and the jobs that are available are beneath her because of either 1)the low starting salary or 2) the hours or 3) what they want her to do.  I’ve reminded her that as a career changer she will start at the bottom.  I’ve told her that instead of changing careers (since that is making her so unhappy) perhaps she should go back to the banking industry where – believe it or not – there are now job opening since I get daily alerts about openings.  I’ve offered to sign her up to the mailing list and she has declined.  She’s gone on a few interviews, but I am sure that her attitude about the work being beneath her is clearly evident on the interviews.  In short, she now feels like -her words, not mine – a bum, and I can’t disagree.

You know why I don’t disagree? Because it’s your own damn fault that you’re unemployed you idiot. Now stop calling me.

Did this post make you think?  Read the follow-up post, What’s Keeping You From Finding A Job.

Related

Previous Post

Time To Be The Hardnosed Landlord?

Next Post

Cheapskate Video: Save Money On An LCD TV

Sandy Smith

Sandy Smith

I started this blog years ago as a way of keeping myself accountable to my own debt reduction plans. Now I'm using this site to help others get out of debt, and learn about personal finance so that they can live their best lives.

Next Post
Cheapskate Video: Save Money On An LCD TV

Cheapskate Video: Save Money On An LCD TV

Stay Connected

  • 5.6k Fans
  • 10.1k Followers
  • 4.7k Followers
ADVERTISEMENT
  • Trending
  • Comments
  • Latest
Tax Refund - Don't Have Kids If You Can't Afford Them

Don’t Have Kids If You Can’t Afford Them

February 5, 2021
stimulus

Why You Might Not Get A Stimulus Payment

January 29, 2021
Home Depot and Lowes Adds Thousands of Jobs

Home Depot and Lowes Adds Thousands of Jobs

February 6, 2021
using hand sanitizer, your own

How to Make Your Own Hand Sanitizer

February 4, 2021
Federal Student Loan Debt Relief

Why Some People Should Wait Before Applying for Student Loan Forgiveness

October 18, 2022
AirBnb Experiences

Why Airbnb Experiences Are The Best Side Hustle

July 10, 2021
mask insert

Wearing A Mask? This Can Help You Breathe Easier

February 21, 2021
Scams

What’s The Deal With All The Scammers Lately?

February 18, 2021

Recent News

Federal Student Loan Debt Relief

Why Some People Should Wait Before Applying for Student Loan Forgiveness

October 18, 2022
AirBnb Experiences

Why Airbnb Experiences Are The Best Side Hustle

July 10, 2021
mask insert

Wearing A Mask? This Can Help You Breathe Easier

February 21, 2021
Scams

What’s The Deal With All The Scammers Lately?

February 18, 2021

Helping you live your best financial life through personal finance news and education

Follow Us Everywhere

Browse by Category

  • About Me
  • Auto
  • Credit
  • Credit Cards
  • Finance 101
  • Food
  • Get Out of Debt Course
  • Health
  • Investing
  • Learn Something
  • Lifestyle
  • Make Money
  • News
  • Off The Reservation
  • Partner Posts
  • Politics
  • Rants
  • Reader Advice
  • Recipes
  • Reduce Debt
  • Rental Property
  • Save Money
  • Scams
  • Special Offers
  • Spend Money
  • Sponsored Posts
  • Video Pick
  • Weekly Roundup
  • Work

Recent News

Federal Student Loan Debt Relief

Why Some People Should Wait Before Applying for Student Loan Forgiveness

October 18, 2022
AirBnb Experiences

Why Airbnb Experiences Are The Best Side Hustle

July 10, 2021
  • About
  • Advertise
  • Privacy & Policy
  • Contact

© 2021 Say Yes Services LLC. All rights reserved.

No Result
View All Result
  • About Me
  • Courses
  • Contact
    • Ads
  • Press & Media
  • Free eBook
  • Free Facebook Group
  • Disclosures
    • Privacy

© 2021 Say Yes Services LLC. All rights reserved.

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Cookie settingsACCEPT
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are as essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT