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>>One that stand out to me is that your a computer programmer making about $65K a year if I
remember right. Have you ever considered adjusting your income in all this? By that I mean perhaps
looking for a new job with an nice be signing bonus that is typical in your field. Perhaps even going
as a job shopper/contractor (little or no benefits) but you income goes from the $32.50/hr (est)
your at now possibly as high as 45-50/hr or more as a contractor. >>

Actually, I have my own business I started two years ago contracting. I write specialized software and internet system for the sports industry. That is my second job. My day job is a mainframe VM/VSE systems programmer. Between both, I work 15 hours a day, 7 days a week.

My second job's income is seasonal. I make most of my profit in the second and third quarters the year. I've considered part time contracting during the off season, but there aren't many mainframe shops on the central Calif. coast. I would have to commute over 200 miles a day to LA. Besides, my first job is keeping me far too busy to even consider taking on more.

I've considered going independant, but as you can tell, I have no liquid cash reserves. Until I get my financial life on order, and build up a cash reserve, I think I should stick to the job I have. Besides.. they like me.

Some one else asked why I felt I might have to switch jobs. The reason is that if I loose my lease on my home, I could not afford to stay in the area. Small run down houses (2bd/1ba, no yard or garage) are getting almost $2500 a month in rents. Small one bedroom apartments rent for $1100, if you can even find one. I rent a nice house for $1000 a month, way below market value. It functions both as my home, office, and storage area. I never want to miss a rent payment to my landlord!

My wife can not work.... long story. I'll explain it later.

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