I am 25 years old. I've only been able to find temp jobs or part-time work since I entered the job market when I was 18.
In 2010, I obtained an associate's degree in computer information systems from a community college -- but it only landed me a 20-hour-a-week job for a small business. I spent a year unemployed in 2012 looking for a full-time career. I was unsuccessful and went back to temping.
Temp positions are very demoralizing and offer no benefits. I don't feel like a valued employee. I am simply a disposable resource. I have no way to save for retirement at these wages, no way to advance into a career, and my benefits are very limited. The thought of obtaining a position that will carry me into retirement seems like a vision only older generations believe in.
No company will offer me full-time employment by the time my assignment ends. I do data entry for a lot of Fortune 500 companies. Full-time workers are over-worked and under-paid. They are doing the jobs that should be filled by 2-3 other workers. However, the employees refuse to quit and opt into working 60+ hours a week because they're afraid of being unemployed in this job market.
I enrolled at a public university and am researching bachelor's degrees that offer relatively stable employment. This is a huge risk for me -- all the time and money invested into the degree could land me in the same job roles but with student loan debt on top of it.
Today's Americans work fewer hours, and have more free time than ever.
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|30 yr fixed||4.35%||4.32%|
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|15 yr refi||3.37%||3.35%|
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