Planing for the future

This state is a very high cost of living, in a very high cost town. Those numbers are from the social services site.

I understand I maybe hypomanic. I can't keep my medicine down going on 2 weeks and my sleep is ****. But this is a plan we've been researching and planning for almost 2 years. We have to have income for mobility housing and a PCA. And with our disabilities the best chance we have is education. I can't work at a call center. It has to be remote, it has to be part time. It's going to take us time to get there. I'm not saying we're going to go from nothing to 100k tomorrow but we are looking to the future because I have to take care of myself. The government does a ****** job at it.

So my parents support 3 house holds currently. Both with 5 members. One with no income and one with $800/month income. Plus they help me and their adult grandchildren when we need it. I will not ask them for more. Plus that area throws me into psychosis due to trauma. I can't function there I won't even open the fridge or talk there.

This just came up for me so I've been wondering....the social security prove-you-are-still-disabled form asks if you have been taking classes as one of their determiners. What happens if you lose your SSI before you are done? I think speaking to someone at social security would also be a good idea so that you know what to do to avoid that.

Okay, this is my last comment. There are tons of remote, part time, call center jobs. I just googled it. Honestly, its like mini project management. You are presented with a problem, and you use your resources to solve it. Just like i did there.

To get a consultant gig you have to have lots of experience in the field. First you work in the field. You know your job well. Then you can do consulting. No one will hire consultants right after college and pay them $38 a hour without them having lots of experience first.

Yes, that's one of my fears. I'm taking classes at 3rd party sites so hopefully it doesn't count until I'm in a program. I'm hesitant to talk to anyone until at least step 3.

Why do you want me with a low income position when I can not afford a low income position? Getting education is never bad. If I work in the future then that's great. If I don't that's fine too. Like I said this isn't my get rich quick scheme.

As for consulting at $38 hour I got that covered.

This is not trivial. They outright say, if you can go to school, you can work.

Do they still have the Ticket To Work program?

Can any of your family members get paid thru social security to become your PCA? That could kill 2 birds with one stone.

Otherwise, again, goodbye and good luck. You dont really need an education to make money on the internet.

I really think it's messed up that I posted how I'm trying to better myself and my situation particularly because I'm not getting the help I need from the government and some of your answers are don't try or you won't succeed.

No no one in my family can move to be a CPA. Insurance won't cover a CPA for me even though I need one. I've been waiting over two years for an accessible unit with no end in sight. I have to rely on myself for my needs.

We are just asking, where are you getting your information from, because it sounds suss.

We have been on this site supporting you for over ten years, and you are treating us like we are an enemy, an unknown.

Why dont you share with us where i can just walk into one of those 38 $/hr jobs?

Not insurance, Social Security. Google "social security caregiver"

I'm getting my information from the state University site for the degree.

The bare entry level amounts in my area. Remember poor here is still 115k. 100% AMI is $130,600 for 2 people here. When I say with masters together we can make an AMI of less than 50% that's not overestimating. Many jobs here start at $35 hr for associates degrees especially in tech. He'll the internship I was thinking about applying to pays $32.

I don't qualify for a caregiver through SSI. It has to be a relative. I have no relatives to depend on.

I think what people are trying to say here is you need to be cautious and realistic about your plans. Not everyone gets hired right out of school either. You can apply and apply and still not get work even with a degree. I don't know what the job market is like in IT consulting but I do know H's last job search took him over a year to find a good paying job (and this is with 20 yr work experience & a Ph.D). He must have submitted over 500 detailed job resumes, you have to be prepared to do that. Maybe you get hired within the first 50 resumes you submit, but you have to be prepared to just keep submitting.

I'm taking it one step at a time. My husband already have job offers but we want our degrees first.

I think setting out on a slow but steady course towards a degree is a positive step to take as long as you don't put yourself into debt you cannot pay off on your current income. That way you don't get ahead of yourself. And don't take out any loans you don't absolutely NEED to take out. Remember, loans have to be paid back wiith interest and that interest can be a real killer.

I can't go in debt. That's why I have to do it this way. I can't afford $60k in tuition. I can't do 4 years on campus classes, I can't do tests, I can't split my attention between 5 classes and have to wait weeks for grading, I can't be available everyday, I have days I can't communicate,

I'm just wondering if you have days where you can't communicate, how realistic is this plan? Don't you need to be able to communicate to work a job, even part-time?

@Victoria'smom

My husband got his associate's degree in business management and his bachelor's degree in business administration and couldn't find any jobs in that field that paid enough. He makes more as a kitchen manager, which is a job he could have gotten without his degrees, and now we're stuck paying $358 a month in student loan debt, which is really annoying.

I think everyone who commented on this thread, and your therapist and psychiatrist, just want you to be realistic.

You haven't been doing well. At least, from what I've been reading from you on here. Maybe it IS best for you to just focus on getting better right now and rest/relax your brain and not stress yourself out, and you definitely DO NOT want to lose your SSI! $1550 for a single person is good for SSI.

Anyway, so no one is saying you shouldn't want to better yourself. We all just want you to make sure you're realizing your limitations. Can you work?

I don’t believe anyone says you shouldn’t try to better yourself. It’s a wonderful thing.

But we are trying to understand how your current plans are going to work. They aren’t sound reasonable so we try to give you other ideas. You state that school is very hard for you. Yet you don’t think that a job that pays 120k from the start will be too hard. Or consulting? If you cannot take tests or maintain attention, this kind of high level job isn’t reasonable. Doesn’t mean you can’t work. There are jobs.

You absolutely should try but within reason. You don’t need to go into 60k debt to get education. I don’t know about your state (but I can find out if you tell me where you are at) if you are on SSI and have no income vocational disability service will pay for all or a large chunk of your education. It’s state organization that’s free of charge.

I'm hoping I can "get by" on those days or take the day off. My husband says on days I can't communicate most people would not realize. I just come off as an air head. I tend to triple check when I'm not understanding so it takes me a lot longer. I understand me working even part time is not ideal but I need to get into a situation that I can care both physically and financially for myself. I don't have options.

I haven't been great. I've been going through some things but my living situation makes things worse and there's no help. I'm going to slowly get more physically disabled, Sza gets worse with age.

I need to do a sprint to get situated. At some point it would be nice to have teeth but that's $15k, mobility condo is $275k, CPA is $26k/ yr, and a new SDit will cost $10k. No one is going to just hand me $325k. I'd also would like a car again at some point.

I do not want to loose SSI. It's scary, but I'm backed in a corner.

Please talk to social security about this before you start. I am really worried that losing SSI is just what will happen From what I just filled out I think the classes you are taking now absolutely would have to be filled out on a review paper. I THINK (and may be totally wrong) that have voc. rehab involved will help you maintain your benefits while in school. Plus, as someone has said above they will help pay for school and reasonable accommodations. When I used voc rehab I was working and that's what they did for me, provided support and recommended accommodations in my workplace.


Please know that nobody is trying to be negative. We just all want you to be ok and this seems like a big risk. I understand that it feels you have to do this but it's asking a lot of yourself.

Voc rehab has been brought up a number of times, any reason you don’t respond to that. If the two of you really want to work they can help you.

My daughter is doing VR and they suck here.