Planing for the future

Do you not qualify for section 8?

Both my husband and I make decent money. We absolutely cannot pay 4k a month for the house. There are a lot of other expense. No way. I understand it’s different in expensive states. Mine does not have a very high cost of living.

I am all in support of people working, certainly at the very least part time. But this plan sounds confusing to me.

I’d not rely on what internet says about starting salaries. But if you truly plan on making that much it will have other issues tied to that. If you work part time you won’t have health insurance from work and you’ll make too much for state insurance. How will you pay for meds and doctors? If you plan on getting off disability, you must work full time because of health insurance

Well, i think you are putting the cart before the horse. I worked in Information Technology for 30 years and never made it to Project Manager. And i was the fastest and most accurate computer programmer every place i worked at. No brag, just fact. I always got the most difficult assignments, and did in one day what took others a week.

And usually PM's work 12 hours a day, not 4. They have a large team of people working for them, and they have to interface with other departments. They probably spend 4 hours a day just in meetings.

When it says entry level pay for a position, it doesnt mean no experience. It means that is starting pay for an experienced project manager and it can go up.

You are arguing with me and Divine about these things, and believe it or not, we are being very kind. You dont know the cut-throat politics that occur in the business world. And yes it applies to technology.

I know its a cliché, but have you tried call center work? I would echo divines advice to work with vocational rehab.

Is there any chance your parents can provide you an ADU on their property? What do they think about these plans?

I can still get state insurance at $81k in my state.
Of course there will be costs. Even if just my husband worked and made $19,200 I wouldn't get SSI. Which is less than part time minimum wage here.

My plan:
Stage 1: free ( up to 9 months)
Stage 2: $75/month ( up to 5 months)
Stage 3: free (4 months)
Ux IT project management degree
Stage 4: MBA + MS in project management (12-24 months)
Start consulting part time at $38+ an hour or $18 over minimum wage.

So it's best I try so that I can have a home I can move around in and a PCA.

Just be careful when you make these decisions and jumpstart things that you are not doing so in a hypomanic state. I realize I don't know you, but I have to say if I had an overly ambitious plan like yours, I would have to seriously question is this a plan I'm coming up with while I'm in a place of rock steady stability or could I be manic?

And definitely do NOT rely on internet sources as to income, insurance, qualification for state disability and aid, etc. $81K seems like a lot to be able to make and get state insurance especially in a state with a low cost of living. My husband taught high school at one point, and I didn't work, and teachers' salaries in Texas are CRAP and even then, my household income was too much to apply for state health insurance.

My parents can not and will not provide an ADU. No space, I can't go outside in winters there, and no services available. Plus they pay both my sisters bills as they can only work part-time min wage which is $12 there. They are also retired and have huge debts. They are willing to put a down payment on a mobility condo for us. I'm the successful one in my family.

They feel I should go for it. If I don't work it's okay their even willing to pay the $75 a month if I can't for the classes. If I get a useless degree that's okay too but at least I'm moving forward.

If I can get myself situated with everything I need with a surplus after paying the condo down I can help our family out of there situation. Letting my parents rest easy. It'll take me about 10 years to get there before helping but at least my sister's won't be homeless after my parents pass. Currently their 75.

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.