Is your 9-5 Job Costing You Money?

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Hello Hello my F22 Crew!

Having a job is a mandatory part of being an adult. Some people knew what they wanted to do as a profession from the time they were in diapers, others are still figuring it out. But what if I told you that your job may actually be costing you money in the long run? I know it sounds crazy, but for a lot of people it’s true!





Many people weigh the cost of their job when faced with getting a new job. Meaning at Job A I may have a 30 minute commute, and Job B I have a 45 minute commute but it pays $1.25 more. But how often are you doing this for the job you have right now?

Some people forge that going in to a 9-5 actually costs you money. Just like a normal business, existing in this world has an overhead expense. Which feels horrible typing that out but it’s true!

These are just some of the things to take into consideration when you think about your 9-5.

  • Childcare
  • Transportation-Car payment, bus fares, even upkeep on a bike.
  • Transportation Insurance
  • Clothing-Clothing that adheres to company dress codes.
  • Food-Meals for you, your significant other and your children. You may be buying it anyway but prep materials and buying different food often raises this price tag.
  • Scheduling/Time Wasted-Money is time people. I love to listen to podcasts or YouTube while I’m driving, but that’s really not being productive or even truly relaxing! Add in having children or medical issues and you’re bound to have a mess on your hands and possibly having to take vacation time to handle things?


But there’s no other way right? Wrong! So many people are moving towards a freelance, or just remote lifestyle that these expenses are starting to seem optional for a lot of people.

The average cost of childcare in the US is roughly $1,200 per month. 

That’s a lot of money! Say you started to work remotely, still at a 9-5, how would that change your child care bill? Well even if you still sent your kids to childcare for 1/2 the time you’d be SAVING $600 a month. And that doesn’t count the food, transportation and time wasted costs associated with putting them in child care. For a lot of people that’s a large payment on a car or a way to pay off debt. This is also largely why people still follow the idea that one parent should stay at home…simply because it’s cheaper.


What would you do with an extra $600 a month? 


Have you ever tallied up exactly how much money it takes you to work your job? Is it cutting a major hole in your overhead? (Probably!) Now how about your spirit? Honestly this is a first world, privileged problem, but how you feel at the end of the day is very important.

I hate feeling drab or torn down after a day, and then having to drive home and do other responsibilities. Sure, freelancers and remote workers have bad days at work, but there is something so soothing about being able to take 5 minutes to yourself (in your own home!). On top of that I’m able to mix in freelance tasks and home tasks. AKA when I need a break from doing a website I can go do dishes! And to that, it’s my weight in gold.

Idea; take what you make each year and take your ‘overhead’ costs from that to see what your “true” income is. Would you be willing to do your job for this amount? Don’t forge that your job probably also gives you benefits, but you have to weigh everything according to your life!

Here’s an example!

Income: $100,000

Childcare: $14,000 (using the average of $1,200 for one child)

Transportation: $6,500 Using $50/week for gas and $350 car payment

Insurance: $1,980 Using $165/month because that’s what I pay!

Food: $1,200 Using $5/day for 5 days a week.


Time: $11,000. Someone who makes $100k roughly makes $48/hour. So if we round down $45/hour at 1 hour commute a day for 5 days a week at 52 weeks equals roughly $11k.

Total Expenses: $34,880

End Total Income (Before Taxes): $65, 120…..and that’s before taxes are taken out. Which if we use 25% means you’re left with approximately $50,000. Yikes!


So…that’s some pretty impressive numbers right? Yes we used general numbers and averages, so your number may be lower or higher, but it’s still impressive to see laid out. I know when I speak to recruiters it comes up that I’ll be paid less than my in-person counter parts…but in the end I make more because my overhead is much much less.


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