In Today’s Economy

by Ryan Yates

“In today’s economy”, “the economy today”, and “in this economy” are the phrases recently that I disliked the most. If I hear another person using them, I’m just going to SCREAM. (rant alert)

“Today’s economy” is just an excuse that people use to feel sorry for themselves. 

  •  In today’s economy I’m lucky to have a job. 
  • In today’s economy I can’t afford to take a vacation. 
  • With the economy today I can’t afford to save for retirement.
  • In today’s economy I can’t do what I want to do.

New Flash — Today’s economy isn’t much different from many other points in our past. Your choices are what enable you to handle economic changes.  If you want to take a vacation, SAVE for it then take it.  If you hate your job, quit and get another one (yes there are jobs out there).  Don’t use “this economy” as a crutch.  You can do anything you want to do, just do it. 

Pizza Anyone?

Starting Friday I will be back behind the wheel delivering pizza again.  It was very difficult to get my 2nd job back.  I wrote a text message to the owner and within 20 minutes, I had the job again.  Delivering pizza might not be everyone’s dream job, but in today’s economy I was able to get a 2nd job without any trouble.

Why am I telling you this?  Because if you are in debt, there is not time better to find a second job. Over 3 million jobs are left unfiled because most of the middle class are too spoiled to get their hands dirty anymore. I’m here to tell you, get off your butt and get to work. Pay your debt down. Save more for retirement. Earn some money for a vacation. The choice is yours, and yours alone. Just please stop blaming the economy for your trouble — the problem is the person looking back at you from the mirror.

(rant complete — enjoy your day).


Money Beagle January 5, 2011 at

I never thought of those words as being the ones I never want to hear. My least favorite these days is the part you referenced about ‘happy to have a job’. That seems to be the mantra that everyone chanted and employers latched onto as a way to justify pay cuts, benefit cuts, and the like. Having been gouged repeatedly over the past couple of years, I’m ready to poke anyone in the eye that tells me I should be ‘happy to have a job’.

Jeffrey Kosola January 5, 2011 at

I agree Beagle, I hate that phrase too. I think we live in the same state, and boy do they toss that phrase around a lot in these parts.

Jenny January 5, 2011 at

I agree, that phrase is annoying! Somehow “In Today’s Economy”, we managed to pay off all of our debt last year, have a nice debt free Christmas and buy a few big items we’ve been waiting for.

It can be done, you just have to plan for it!

Jeffrey Kosola January 6, 2011 at

@Jenny – AWESOME job on paying down all the debt. I’m happy that even “In Today’s Economy” you were able to do it 🙂 How was the debt free christmas? Mine was great, it’s such a good feeling to have xmas paid for before Dec 25th.

PatriciaH January 5, 2011 at

I agree with you – we are accountable for our actions and life – no oner else is!! Congrats on your pizza job and many happy deliveries and tips!!!! You are making it happen!

Jeffrey Kosola January 6, 2011 at

@PatriciaH If everyone just worried about taking care of their own business and now worrying about what other people think or say we’d be better off. Thanks on the congrats, I’m looking forward to slinging pie (as the other Jeff puts it). I will be updating the pizza delivery page and stiffy tracker again. Can’t wait to see what funny stuff happens in 2011 during delivery nights.

John Hunter January 5, 2011 at

I agree, it is silly to think of the economy today dictating many actions. Almost always what was smart 10 years ago, 5 years ago is smart personal financial planning today. What you need to worry about is just doing what is always wise – avoid debt, build up an emergency fund…

Jeffrey Kosola January 6, 2011 at

@John, your are so right. Sound finanical planning is sound financial planning no matter what year it is. Just like Grandma use to say 🙂

Jeff @ Sustainable Life Blog January 5, 2011 at

Awesome! You’re back to slinging pies. That must be exciting – I’m guessing your overtime was going to go away (Or you just got tired of it).
I must agree, that “In todays Economy” is a bunch of $hit. In todays economy, we need to pay off debt, but in tomorrows (supposedly better) economy, we wont need to pay off debt, because the economy has come back and we can transfer jobs at will and our income sources wont be under fire like they are now.
In todays economy, we need to be frugal, and in tomorrows (supposedly better) economy, we wont, and frugality will (again) become a thing of the past.
In todays economy, we are shying away from buying homes larger than we need for more money than we can afford, but in tomorrows economy, we will go ahead and buy them.
buncha crap – finance is simple, always has been, always will be. Spend less than you earn, end of story.

Jeffrey Kosola January 6, 2011 at

@Jeff Yep, just like you I’m working two jobs again. Job number one’s OT has dried up for the time being so I’ll have plenty of time to sling da pies. In today’s economy and tomorrow’s economy I’m going to continue to spend within my means.

retireby40 January 5, 2011 at

Back to your root eh! Congratulation! You’ll keep hitting the debt and it’ll be gone in no time.
Wow, 20 minutes? Why is unemployment so high? Those spoiled middle class people needs to take a look in the mirror.

Jeffrey Kosola January 6, 2011 at

@Retire – Yep back to my blogging roots. Delivering is just too much fun to stay away from.

Invest It Wisely January 5, 2011 at

Depends on the job, too. It was always very easy for me to get jobs doing some type of manual labour or another when I was studying full time; it doesn’t pay that well, but if looking for extra income, it’s a very easy and quick way. You can call up the agency and sometimes find work the same day.

krantcents January 5, 2011 at

Good for you, the second job is your way of adding to your income. I do extra things all the time to earn more (even as a teacher). You can only reduces your expenses so far, without requiring additional income.

Jeffrey Kosola January 6, 2011 at

@Krantcents, “You can ony reduce your expenses so far” I think we are twins seperatated at birth 🙂

twentysomethingmoney January 6, 2011 at

In today’s economy…. I’m going to have to agree, its overused 😀 But I think its the reality… we haven’t seen whats happened in the past couple years, in a very long time. It may have replaced the “in a post 9/11 world” phrase.

Evan January 6, 2011 at

Today is JUST not as bad as people want to make it! I completely agree buddy…so ridiculous. I am POSITIVE that you will LOVE my latest post.

Financial Samurai January 7, 2011 at

Awesome man!

I have a post up wondering why the KFC help wanted sign has been up for the past 3 months. Seems like the people don’t NEED to work actually, otherwise, they would.

JoeTaxpayer January 7, 2011 at

Looking forward to the late night tweets on the TIPs you’re getting. Good luck, I wish you well.

eric January 12, 2011 at

I was lucky to being educated about money since when I was little, that means you live in low standard and save what ever you can, if life style is something people value so high, then why they want something they can never have? Hell I have so much fun to just watch how many iphone user can’t even afford data plan, or drive way better car then me (I got old camry) and can’t afford the gas.

that is all about America we loved, if you work hard and you WILL get what you want, no short cut to reach the top of food chain without fighting.

“If your only goal is to become rich, you will never achieve it.”
by John D. Rockefeller

Little House January 12, 2011 at

Excellent rant. People use excuses all the time for why they can’t accomplish something that they have control over. And that comment about people getting their hands dirty is so true. There are “help wanted” signs in quite a few store fronts in my area, like Walgreens, but I bet many people think the job is “below” them and would rather continue to go jobless.

Suzanne January 27, 2011 at

Great post! I agree that I now despise the phrase “in today’s economy”! I just wanted to let you know that I linked you on my blog.

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