Kroger hiring

Kroger

2011.09.17 04:31 amillikin Kroger

The unofficial subreddit for Kroger Workers. Discord.gg/Kroger Please direct all customer inquiries, complaints, and concerns to https://www.kroger.com/hc/help/contact-us
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2013.08.14 15:08 andreasw Antiwork: Unemployment for all, not just the rich!

A subreddit for those who want to end work, are curious about ending work, want to get the most out of a work-free life, want more information on anti-work ideas and want personal help with their own jobs/work-related struggles.
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2012.10.21 22:41 bhone17 Cincinnati Jobs

Post job openings in the Greater Cincinnati area
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2023.03.20 20:21 Jemolk Minimum cases per hour in Dry Grocery?

Got a job offer today for a grocery night crew position. During the interview I stated I was capable of throwing 70 cases per hour minimum (including facing as I go) once I got to know the shelves; The hiring manager told me she thought the company was looking for 100 cases per hour minimum and that I would need to get a bit faster.
I'm not a stranger to retail. I was foreman at a Kroger store for some time and understand that management often "stretches the truth" (ie lies) about minimum cases per hour to boost productivity, something I couldn't reconcile with my previous dept lead and ended up quitting over. But 100 cases per hour seems like an absurd lie, coming from a Kroger store with a minimum 60 CPH.
Safeway vets, have you ever heard of an official 100 case per hour minimum throwing rate for grocery night crew, or was the hiring manager spouting bull?
submitted by Jemolk to Safeway [link] [comments]


2023.03.18 16:42 PritchettRobert506 [HIRING] 17 Jobs in Columbus Hiring Now!

Company Name Title City
Biolife Plasma Services Center Manager in Training Columbus
Lighthouse Immersive Columbus Assistant Venue Operations Manager City Of Columbus
UpShift Banquet Server - flexible shifts Columbus
Inergroup Insourcing Solutions Warehouse Forklift Driver - Nights Columbus
UpShift Attendant - flexible shifts Columbus
UpShift Busser - flexible shifts Columbus
Insight Global Critical Care Nurse Columbus
Kroger Health Immediate Openings Kroger Health Kroger Health Now Hiring Nurse PractitionerToldeo OH Columbus Columbus
The Skin Center Immediate Openings Nurse Practitioner Columbus Columbus
Rumpke Waste & Recycling Digital Sales Coordinator Columbus
Bess Pages Business and Resources Directory Business Advertising Directory Sales Representative (1099 Only) – 100% Remote Columbus
Cloud Academy Marketing Automation Specialist (Remote, U.S.) Columbus
Motion Recruitment Gobal SaaS based Tech Firm Seeks Campaign Production Specialist-100% Remote Columbus
Altair Global Proposal Manager / Writer (Hybrid or Remote in the US) Columbus
T. Marzetti Company Brand Manager Columbus
Comrise Marketing - SEO Specialist - Remote Columbus
Restaurant Equippers Inc eCommerce Content Specialist Columbus
Hey guys, here are some recent job openings in columbus. Feel free to comment here or send me a private message if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!
submitted by PritchettRobert506 to ColumbusJobsForAll [link] [comments]


2023.03.17 11:56 Noskyofficial [HIRING] 13 Jobs in San Francisco Hiring Now!

Company Name Title City
MorningStar Senior Management Caregiver - Senior Living Community - Pt & Ft San Francisco
BayOne Solutions Merchandise Coordinator San Francisco
Upward Health of Rhode Island PC Care Specialist CHW/PSS San Francisco
My Wireless Retail Wireless Retail Sales Associate San Francisco
American Airlines Customer Service Agent Part Time- American Airlines San Francisco
American Airlines Customer Assistance Representative Full Time- American Airlines San Francisco
Curry Up Now Restaurant Manager San Francisco
California Institute of Integral Studies Executive Administrative Assistant San Francisco
TPC Network Outside Operations Staff San Francisco
Budweiser Warehouse Associate (hiring both PT & FT) South San Francisco
Kroger Warehouse Team Member South San Francisco
G P/Globalization Partners Social Media Director San Francisco
Flying Food Group Production Manager South San Francisco
Hey guys, here are some recent job openings in san francisco. Feel free to comment here or send me a private message if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!
submitted by Noskyofficial to SanFrancisco_Jobs [link] [comments]


2023.03.13 15:48 PerfectJarrett These jobs will never have help if they think $9 is an acceptable salary. Burlington Coat Factory rejected me lol

I got rejected within 20 seconds of the phone interview. I work part-time but I'm still applying for jobs and looking for full time employment. I applied through indeed for a full time cashier position. The salary listed on the Burlington website was like $12.50 but I figured with my 8 years of retail experience that I'm at least worth $14 an hour. I made $14 an hour full time at Kroger.
I have a Business Administration degree and am a certified administrative assistant but I prefer working in retail. Anyway, the manager called and was like they only hire part time and I probably wouldn't want the job because it would only be for $9 an hour with 12-20 hours a week. I barely had time to formally introduce myself lol.
$9.00 is the new $7.25. Even Chick-fil-A, Walmart, and McDonald's are paying at least 12 to 14. Hell, Kroger is starting new employees off at $14.50 now. I know I'm not that unreasonable. 12x9 is $108. Why would I drive to work just for $100 dollars? These companies need to realize that the cost of living goes up every year.
Stop advertising for something you're not hiring for. If I would've known, I never would've even applied for the job.
submitted by PerfectJarrett to retail [link] [comments]


2023.03.12 02:41 Upstairs-Put9146 things i want to tell my dad

so, my dad passed away january 18th, 2022 when i was 15, im 16 now.
so, here are a few things i think my dad would be really proud of me for!! :)
  1. i worked at kroger for 1yr and 3mths
  2. after kroger i got hired at target right after i turned 16 and ive been working there for almost 6 months, i get paid $15hr and it's a nicer environment than kroger ever was. a lot of kind and accepting people
  3. i made these soda tab chains whenever i couldn't sleep and/or was anxious, i would go out to the family room with you, dad. watch a movie and make those necklaces! so i went into a cute shop on a shopping center, and i talked to the owner and asked if i could sell those necklaces there!! and they both said yes! im waiting for the contract, and dad, you know im reading ALL the fine print! im super excited and ive never had this opportunity before :) im gonna be selling them for maybe $25-30 each! and they gave me a bunch of ideas on more stuff i could create!!
  4. dad, you know i like to thrift, it's my favorite thing, it's relaxing and you can find such cool, unique stuff!! that same shop is letting me sell a bunch of clothes there too! and if i upcycle them it's gonna be a huge price difference, like $80-200 and they sell the most! :) im super excited dad and i know you would be so happy for me. i can put my artwork on clothes and sell it for so much. dad, im so excited!!
so dad? what do you think? 16 and ive got so much to do :)
submitted by Upstairs-Put9146 to DadForAMinute [link] [comments]


2023.03.10 20:28 Siaunni Does anyone know where a 14 year old can work?

I’ve tried Publix, Kroger, and Walmart, but all of the ones in my area won’t hire at 14. I’ve called and have gone in person to speak to a manager, but they just won’t. Any advice would be great, thanks!
submitted by Siaunni to Georgia [link] [comments]


2023.03.09 18:25 PritchettRobert506 [HIRING] 20 Jobs in Omaha Hiring Now!

Company Name Title City
Apex Staffing Warehouse Associates (Hiring Immediately) $17+/hour Omaha
UPS Warehouse - Package Handler Omaha
Dollar general Dollar General - Sales Associate/Store Clerk $16-$35/hr Omaha
Subway Sandwich Artist $16-$35/hr Omaha
Chick fil A Chick-fil-A - Culinary Team Member $16-$35/hr Omaha
Target Target General Merchandising / Stocker $16-$35/hr Omaha
Kroger Kroger - Front End Lead/Cashier $16-$35/hr Omaha
Walgreens Walgreens - Customer Service Associate $16-$35/hr Omaha
Starbucks Starbucks - Barista/Customer Service Associate $16-$35/hr Omaha
Walmart Walmart Stocker / Backroom / Receiving Associate $16-$35/hr Omaha
Lowes Lowe's - CashieCustomer Service Associate $16-$35/hr Omaha
Goodwill Goodwill - Store Clerk/Cashier $16-$35/hr Omaha
Home depot Home Depot - CashieCusomter Service Representative $16-$35/hr Omaha
Hobby Lobby Retail Associate/Cashier - Hobby Lobby $16-$35/hr Omaha
Aldi Aldi Store Associate - Customer Service/CashieStocker $16-$35/hr Omaha
McDonalds McDonald's - Crew Team Member $16-$35/hr Omaha
Frito Lay Frito-Lay - WarehouseMaterial Handler $16-$35/hr Omaha
Sam's Club Member Frontline Cashier - Sam's Club $16-$35/hr Omaha
Fedex FedEx - Retail Customer Service Associate $16-$35/hr Omaha
PepsiCo Merchandiser (FT/Days) - PepsiCo $16-$35/hr Omaha
Hey guys, here are some recent job openings in omaha. Feel free to comment here or send me a private message if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!
submitted by PritchettRobert506 to OmahaJobs [link] [comments]


2023.03.08 16:08 Dangerous-Bag-7327 [HIRING] 25 Jobs in Chicago Hiring Now!

Company Name Title City
HelioHire Data Scientist Chicago
HelioHire Sr. DevOps Engineer Chicago
ABF Freight CDL A Driver Chicago Heights
ABF Freight ABF Driver Development Program - Road Chicago Heights
ABF Freight Class A Driver Chicago Heights
ABF Freight Road Driver, Full-time Chicago Ridge
TruGreen Lawn Maintenance West Chicago
TruGreen Landscaping Specialist West Chicago
TruGreen Lawn Specialist West Chicago
E.A. Sween Company CDL B Route Drivers $28hr Chicago
Ryder System, Inc. Class A Driver Home Daily Chicago
FloHawks Plumbing Septic Class A CDL Driver Chicago
Kroger Hot Deli Lead - 507 Chicago
Greyhound CDL Bus Drivers - Chicago, IL ($10,000 Bonus Incentive) Now accepting CDL Permits Chicago
United Rentals, Inc. Driver CDL A Chicago
DriverSource, Inc. Class A Truck Driver Chicago
Knight Transportation Casual Truck Driver Job Chicago, IL Chicago
XPO Logistics, Inc. Truck Driver - Home Daily - CDL A Chicago Heights
Airgas Inc Microbulk Driver - Class B South Chicago Heights
American Institutes For Research Researcher - Math Education Chicago
Rush University Medical Center Registered Nurse 1- Med/Surg (7S) Nights-$5,000 Sign On Bonus Chicago
Ascension Health Graduate Nurse Med/Surg Acute Rehab - Nights Chicago
Department Of Housing And Urban Development Native American Policy Analyst Chicago
Americorps RFU Student Clinic Operations Summer VISTA North Chicago
Thermo Fisher Scientific Inc. Senior Scientist - Biopharm HPLC and GMP North Chicago
Hey guys, here are some recent job openings in chicago. Feel free to comment here or send me a private message if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!
submitted by Dangerous-Bag-7327 to ChicagoJobsForAll [link] [comments]


2023.03.08 15:53 SchlesingerMindy323 [HIRING] 20 Jobs in Denver Hiring Now!

Company Name Title City
Rose Medical Center RN Registered Nurse Labor and Delivery Denver
Rose Medical Center RN Emergency Room- Central Park Denver
Presbyterian/St. Luke's Medical Center Registered Nurse (RN) - Hiring Now! Denver
Colorado Housing And Finance Authority (CHFA) Building Services Administrator Denver
Lakin Tire West Box Truck Driver Denver
White Cap CDL A or B Driver- $2500 SIGN ON BONUS! Denver
Meyer Logistics Truck Driver Denver
The Kroger Company CF Lead Technician - $20.75-$25.25 Denver
Louis & Co Driver I - Denver, CO (Class B) Starting at $28 Local deliveries you are home every night! Denver
H&E Equipment Services Class A CDL Driver -($3,000 Sign on Bonus) Denver, CO Denver
Mental Health Center of Denver Licensed Community-based Bilingual Clinician (LCSW/LPC/LMFT) Denver
The Salvation Army Donor Relations Associate Denver
Elite Body Sculpture Licensed Practical Nurse (LPN) - Luxury Body Contouring Practice Denver
Kaiser Permanente Licensed Practical Nurse Denver
Micro Center Retail Computer Technician Denver
Metropolitan State University of Denver Peer Writing Consultant - Writing Center Denver
UnitedHealth Group Inc. Field LPN Urgent Visits Denver
PwC Emerging Company Solutions - Senior Associate Denver
Spectrum Advanced Video Engineer III - IP Video Operations (Hybrid) Denver
Practitioner HouseCalls Elbert, Arapahoe, Douglas CO VP Sales - Ntrinsec (Cybersecurity) Denver
Hey guys, here are some recent job openings in denver. Feel free to comment here or send me a private message if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!
submitted by SchlesingerMindy323 to DenverJobsForAll [link] [comments]


2023.03.08 07:48 ken_ny00 Worked for a Devilcorp for 10 months !! (oof) Royal Connections - Louisville, KY

I started with Royal Connections April 4, 2022. I had no prior business knowledge or understanding so I was unsure of the job description. All I knew was that it was a marketing position and they helped out non-profits.
During my second round interview the director (or “CEO”) really hammered home the growth and financial freedom. He knew I was in a lot of debt and used that to reel me in. I would be a CEO in maximum 14 months - what dumb 21 year old wouldn’t love that? (I got offered the job the same day)
Orientation still shed little to no light on the actual job, just a lot of paperwork (that I didn’t read but now know was NDA’s and such)
After my orientation I started that following Monday. The day I walked in they had only been open for 2 weeks, so there were four other people in this office. All from Baton Rouge (office previously called Sapphire Connections but now is under a new name) so my first day with my trainer, we went to Walmart neighborhood market set up a table, tablecloth, raising money for this non-profit (unsure if I can say the name). We built a really strong relationship from the start, and nothing really felt “off”.
Within a week and a half I was able to get promoted to a junior account executive which is “leadership”. I was growing extremely quickly which made it even more enticing to me and it made everything seem a lot more real. This is when I experienced the famous “Dallas Conference” AKA “Achievers Summit”. I met with tons of reps across the country. Spoke to the “national consultants” and the “founders” of Universal Events. (Previous Smart Circle people). It was just a lot a lot of talking. It was cringey and I learned nothing, but got to go to Texas for free so.
After Dallas, I came back and I was ready to start interviewing people. I was learning the interview process, and again, I was growing rapidly. About a month after Dallas was a rest and relaxation trip to Cabo, Mexico. Another “networking event” where I was felt up by directors across the country. (awful experience and my director joked about them being my “boyfriends” several times after telling him the situation). I saw a lot of peoples true colors on that trip.
After Cabo, I got an interview and I hired somebody. I had ran an impact meeting already so I was now a senior account executive. (yay - hell starts) I was building a team. I was at this position for maybe three or four months, it took a long time to build a team and get people to stay and coach people into leaders because nobody wanted to stay, the job was not a job that a lot of people wanted to do. During this time I ran a couple of road-trips - the first one to Bowling Green, KY and after 1 day we were ran off by the police (THE POLICE. HELLO RED FLAG)
Finally, I build my team up enough to qualify to be a development executive, at that point my director said he needed to see more from me so he sent me to the Nashville office ran by previous Sapphire Connections director, and I worked with them for a week. I was told to be more mature. I came back and started my qualifications for DE and after three weeks I was promoted.
This is when I had my first questionable thought of “is this is legit” because somebody had mentioned to me that they found an old YouTube video. I brought it up to my director, and he played me. He showed me all the paperwork with the legalities and the signatures. And then manipulated me. He said that I had hurt his feelings for even questioning him, thinking that he would lie to me and that he’s sent me on all these trips and he’s trusted me so much and I was stabbing him in the back so then I stop questioning him because I didn’t want to lose out on my opportunity.
So, as a development executive, that’s when I really started to to waiver. I was now in upper management. I was running morning impact meetings I was counting the money at the end of the day. I was breaking down peoples days again for not much more pay, my compensation was bumped to 32 percent instead of 30 percent (woo hoo!) but I was putting in a lot of hours at the office (unpaid). I was now getting opportunities taken away like interviews or running the meetings because I wasn’t hitting my standards.
Eventually I got an opportunity to run the office. I ran it for three days. This is when my director and I really started to butt heads. We weren’t communicating affectively I felt disrespected a lot of the time evidently he felt disrespected a lot of the time, but after getting all of my privileges taken away that I work so hard for I genuinely stopped caring because I was tired of it. I was tired of being stagnant and not growing for months after being promised so much growth and opportunity.
The thing that pushed me over the edge was the last road trip I ran to Lexington Kentucky and having every single event fall through. They didn’t want us there, a mass email had went out to all of the Kroger‘s in Kentucky and we were not allowed to set up anymore. I was alone in Lexington Kentucky running a team of individuals, two of them being their first road trip ever and we were getting the shit end of the stick. During this time I really really thought about everything in on this road trip. I found the YouTube videos about all of the “founders” and the non-profit.
So, coming back from the road trip I had spoken with my partner (who also worked there lol oops) and we didn’t want to do it anymore. It was too sus and it wasn’t worth it.
After the road trip things didn’t get better we lost more events, more privileges were taken away because we weren’t hitting a standard, but we were sent to events that weren’t possible. We were made to feel guilty if we didn’t stay out until 9 PM and hit our standards or at least try. We were made to feel guilty if we weren’t positive or if we were thinking emotionally (that’s what I got in trouble, for a LOT)
That Monday I told my partner that that’s our last day. I didn’t wanna be there anymore. Upon getting back to the office from our event we put both of her lanyards on the desk and said “I’ll be right back”, and then we left. Never returned.
These people have been getting away with this for a long time, since the car wax days, since before that.
So, we started sending the YouTube video to other people who still worked there, people we cared about because it’s just wrong. You can’t make people work like that for nothing. We couldn’t watch people we cared about keep doing it so we sent it out.
The director (this is how I found out about the NDA) called us the next day and said that we had signed an NDA and he was going to sue us for slander if we kept contacting individuals and persuading them, which it was in the paperwork I overlooked it (I was 21 and naive).
So now I am trying to spread light on the information. I was in the business for 10 months and it hurts my soul to say that.
submitted by ken_ny00 to Devilcorp [link] [comments]


2023.03.07 04:57 HuckleberryPinn Could I possibly transfer from a Kroger division to Murray’s Cheese in NYC?

I was thinking about moving back to NYC, but there are no Krogers there and I’ll be reaching my year of employment soon, so benefits! There is Murray’s Cheese, owned by Kroger, and I’m just wondering if it’d be possible to transfer from a Kroger supermarket to Murray’s Cheese in NYC. I’m a cashier, and there is at least one Murray’s Cheese location in NY hiring cashiers at the moment. I’ve spoken a lot about transfers to my upper management, because my husband won’t make up his mind where he’d like to move, so I’d brought up transferring to a few different states now, and I don’t want to bug them or bring it up again. It may not even be possible, so yeah… If it happens to be possible, I’ll eventually bring it up obviously. So… is it possible?
submitted by HuckleberryPinn to kroger [link] [comments]


2023.03.05 01:00 Wrong_Temperature_15 DOUGH: 401K Deep Dive, Part 3 — Abrahams Wallet

https://opentheo.com/i/7250795400066721241/dough-401k-deep-dive-part-3
DOUGH: 401K Deep Dive, Part 3
*Abrahams Wallet — Abrahams Wallet *
Mark Parrett and Steven Manuel finish their seres on 401Ks (17:00) and give detailed information about “rolling over” 401Ks into various products. We also hear about Steven’s daughter, Joy’s experience running a flea market stall (11:00), Mark’s new ski house, and more annoying pickleball talk (4:30).

Transcript:

Do you have any social justice messages you'd like to share or ‑‑? You know what? I want to dedicate this win to all of the ducks that died during the Exxon Valdez spill. I'll never forget their pain. So I want everyone who didn't win this award to feel guilty.
Thank you. What's up, boss? This is Abrahams Wallet. We span the gap between the austerity of obedience to God and the prosperity rising from faithfulness.
Run your home and your doe like a biblical boss. [Music] So what's happening in your world? I think last time I talked about an asset we were speculating on, we closed on that deal today. Oh, man! That's pretty exciting.
That's fantastic. So give me three dream uses of this property in your mind. Well, we're going to do what we, I'd say, is our number one dream use tonight.
The number one night that we have keys, we're just going to bring some ‑‑ You don't have to go into great detail on what would be your dream use of your property that you're going to go to with your wife tonight on the night that you closed. No, no. Stop that.
We're not staying the night, Steven. Oh, you're not staying the night. Well, there's no furniture.
It's getting painted and carpeted. Oh, exciting. We are going to Shabbat there tonight, which I think that was one of our thoughts of having a place near the house that's within about an hour and a half, is that we can go up on a Friday night and come back if we need to for kids event or something like that on a Saturday.
So that's number one. I think we'll use it as a family for Shabbat. It's right next to our favorite ski resort.
So we'll ski there in the winter, on the weekends, stuff like that. Number two is it's just going to be delightful to us to share it with folks. We did a podcast a few weeks ago where you were in someone's vacation lake property.
That's true. And I have always thought, man, I think I'll get as much joy out of sharing something like this as I will out of living in something like this. So looking forward to that.
And number three, I don't know if I'm allowed to say this because I don't, I haven't cleared it with you, but I have a dream that someday clients of ours would use this space as an option if they're going to do a vision and goals retreat, which is something, something that we walk all our clients through. I've thought, you know, we asked them to DIY some pieces of that, but how cool would it be if we got, you know, an old crusty patriarch and his son and his son all in the same room and we're able to plan through. Now, what does this family vision look like for the next 300 years, not just for the next 20? And is there a little mother-in-law suite tucked away above the garage where a podcast host can stay to facilitate these important conversations that people are having? There's plenty of room for that type of thing.
Oh, okay. Excellent. Well, that sounds wonderful.
So it's a mountain. It's skiing during the winter and it's what during the summer? It's lake during the summer. Oh, man.
So we don't own a boat, but we have a paddleboard now. I wouldn't be surprised if the boat is in your future somewhere. Yeah, we were talking about that today.
I have friends that have been very generous with their boats for us and the recommendation I've gotten is by the beaterist oldest junker, you can find that runs and learn how to properly operate a boat before you go spend any sort of serious money on a boat. So that's my plan. It's just something that I'm sure I'll drop it off the trailer or something a few times.
It'd be nice to have that be a small mistake instead of a life altering one. Yeah, I'd like to talk about pickleball. Okay.
Now, pickleball is the fastest growing sport in these United States. Very popular with the fastest diminishing group in the United States, which is the elderly. Now that's a ready joke for you.
I understand that, but it's also true that in the last, I'm going to get this stat right in the last five years, they say, I don't know how they track such things, that the average age player age has decreased 10 or 12 years in the last five years. Because the way the sport is growing is not with the geriatric, it's with the young. So I was with...
So there's 60 year olds playing pickleball now. This is what you're saying. I get it.
I understand what you're saying. I was with my hair stylist friend in a former life. I owned a hair salon and hired this sharp girl to be a stylist.
She is now on her own. She owns a place and she's my hair stylist now. I was with her just hours ago.
And she brought up the fact that her husband, so this is... He's going to be 35 at most. No, he's probably not 35.
It's probably 32. And she's just like, this guy is devoted to pickleball. She's like...
He was given a pickleball shirt for his birthday. Please don't ask me what a pickleball shirt is. I don't know.
I don't know. But what I have found, I have a little group of buddies who once a week we go out. One of them has a country club membership.
And so the rest of us glom on as guests to his country club membership. And we played pickleball at the country club weekly. We enjoy this, but it's limited.
I'll confess that when I am in a sporty groove, I don't like to stop. I was always disappointed to me when the pickup basketball games would end and everyone would go their separate ways. I'd be like, "I'm warmed up.
Let's keep going. This is how I feel about pickleball these days." But I have found nearby me a pickleball, what I'm referring to as the pickleball honeypot. I have found a place where every day from 7.30 in the morning until noon, there are six courts packed with people.
Are they older in general? Yeah, they're older. Are they bad at pickleball? No, they're not. They're good at it.
And it's fun and I'm loving it. And the sport is growing. And if I could invest in pickleball, if there was an pickleball fund, I would invest.
It's a rising tide. I'm excited about it. Well, you need to, I'll put you in contact with my father who put a deal in front of me the other week where he was considering investing in a pickleball empire that is an indoor pickleball place.
It's franchising. He had the opportunity. Maybe you could also invest in that.
There is an outfit in Oklahoma called Chicken and Pickles. And they basically sell, if you think of a big local brewery where they have a big play area and it's supposed to be a big family kind of a scene, that's chicken and pickles, but it's pickleball courts and chicken sandwiches and picnic tables. And I'm sure there's a lot of astroturf if it's the kind of Oklahoma that I know of.
Anyhow, pickleball. I'm glad you enjoy it. Yeah.
I also, you and I played pickleball for the first time of my life. Yes. Playing pickleball.
And I put it in the category of foosball and ping pong of things that I actually think are really fun. I would definitely do it. Is ball.
I don't, I don't have any ill will towards it. I just feel like, well, this isn't tennis. You know, so you're right.
It's superior to tennis and just about every way. Wow. Okay.
I was going to say we had a delightful family experience last weekend and it involved finances. It was that my 11 year old daughter participated in something that happens downtown once a year and it's called the city flea. So it's a flea market where people can bring their own stuff, bring your own craft, get a booth, whatever, sell cookies.
And once a year, they have the kid city flea. And so my daughter found out about this last year and for a full year, she has been dreaming of when she would participate in the kid city flea. And for the last three months, I'd say she has been sewing, sewing, sewing her scrunchies.
She's been making bracelets. She makes earrings and something else that I can't recall at this moment. And she put up a booth and we looked at the finances for it and how much she would have to sell and what her stuff should be priced at and where her profit margins would be.
And we put on, we put on a little family, I don't know, it was like a family business workshop at the city flea. That's awesome. And sorry, that was that was leading somewhere.
So I thought it might be interesting to interview her as the day went so that we could hear what was her experience being a little entrepreneur kid for the first time and any sort of real way where the stakes were higher than mom and dad buys lemon aid stand stuff for you and then you get to keep the change that you earned off. So all right, I'm gonna roll a couple of clips so we can hear Joy talking about her experience as an 11 year old selling crafts. Sweet.
What are those bells mean? Eight o'clock. Eight o'clock in the morning. Right.
You were up before sunrise. Yes. What are you doing today? Setting up and doing the city flea.
What do you mean doing the city flea? I'm selling scrunchies, earrings and bracelets at the city flea in Washington Park downtown. Oh wow. Cincinnati.
And have you, did you just like wake up this morning and look all this stuff is done? No, I've been working on it for a long time. How long? Like well I've mostly been working on it for like a month but I've been working a lot on it for the past couple of days. And kind of a year are you kind of starting things out? Yeah.
Why did you get interested in selling stuff? Well because I have an Etsy shop and I love making stuff like this and you can like sell it and I love doing crafts and so I can sell them. And Lenora and Charlotte did the city flea last year. Oh, your buddies? Yes.
And so it's fun and so I can do it this year now too. What if you do the math, what does it say that you might could earn today? Like with paying mom? Let's say that you pay back all of your material costs. You pay for the stall, rental, you know, you need to buy a place to sell your stuff, all of your costs.
What might you clear today? Like two hundred and thirty dollars. Whoa. You ever made two hundred dollars in a day before? No.
Kind of exciting. Yeah. Why do you think that, why do you think that you can just do something like this? Just make a little business and make your own stuff and sell it.
What makes you think you can pull that off? Well, I just like to do it and my parents do it. Oh, your mom, your mom has a business, right? Your dad has a business? Yeah. So you think I could do one too? Mm-hmm.
Well, awesome. We'll check in on you later today and see how it's going. Okay.
So Joy, your stand has been open for two hours right now and what just happened? What did you just sell? I just sold another bracelet and then your mom told you, your mom's keeping books for you back here and she said that was very significant sale. Why? Because I just broke even with my debt of all the supplies that cost me to make it. So all the other stuff I get is um, keep money.
Oh man. So you're in the black from here. It's all profits from here on.
That's right. Well, I'm really proud of you. How does that feel? Very good.
I'm excited. Have you learned anything about your products based on what's selling? Have you learned what's a winner? Well, as we know bracelets are definitely a winner and then scrunchies too because yeah, lots of people are getting the scrunchies as well. Yep.
Excellent. Well, congratulations on that. We'll check back in with you later.
Okay, thank you. Good job. Thank you.
Okay, Joy, we're at the end of your booth. We just tore down. There's a lot going on.
There's a fountain behind us. There's a DJ playing some kind of jazzy Latin fusion over there. Tell me how did it go today? It went really great.
And how do you feel about yourself? Um, really good. I made um, like, over like a hundred dollars, like two hundred something. Well, I'm pretty sure.
I want you to know that your mother and I have decided we're going to pay your entry fee. So you get to keep that money too. Thank you, daddy.
Thank you. Does it feel like your weeks and weeks of sewing and crafting paid off? Yes, it does and it feels very good. And now everything you got left over is just profit.
So, you could sell that wherever and it's just profit, isn't that good? Yeah. Yes, very. And sister, what do you think of what happened here today? Awesome.
Were you proud of Sissy? Yes. And was it fun to like work with her as a family? Yeah. Team Manuel.
Great job, darling. Thank you. So there it is.
What do you think? I think the next step for you is is going to be to approach her with the funding deal where you offer to take 30% of the business in exchange for, you know, a series, a series A round. Yes. See if we can really get this thing growing.
Yes. Well, her next to her move immediately was, well, I have to open a netsy shop. So she now has the Etsy shop going and who knows where that will lead.
As some people might know, I have relatives, I have a niece who has created an empire out of selling soap. And it's started in much the same way, very, very home grown. I don't know that my daughter will be selling bracelets when she's 40.
But hey, it's great experience. That was my, that was my bottom line was what a great, fun, safe, good experience for her and taking a little financial risk and getting a payoff for it. So that was, that was, I don't know, dad corner for the day.
Thank you for indulging that. I hope it inspired you now then. Let's talk about what we're here for today, Stephen.
We, I came for the cookies, but I don't see any cookies anywhere. Oh, I got your cookies. Okay.
Ready. Okay. You've got, you've got idea cookies for me.
You got brain cookies. I got 401k cookies. Oh man, the tastiest kind there is.
Yep, they have some IRA chips in them. That's just, you might have to edit that out. I don't even know if I can stand by the pun.
So the last few weeks, we've been talking about what to do with your employer sponsored plans. 401ks, 403b's, 401a's, all sorts of things. But we talked about, kind of what are they, what are they, how do they work? And then last week, we gave you four rules.
And just to quickly, quickly recap those rule number one was always get the match. So if your employer matches funds, make sure you contribute to get that number two is pay attention to the fees. We talked about how to do that.
Number three was pick a reasonable asset allocation. And that article, if you are wondering is still up at Abrahams wallet.com should be one of the first two articles when you go to the site. And you can learn what we mean by asset allocation.
You can even learn what the heck are the assets I'm allocating between? What are my choices? So I'd encourage you to check that out. Maybe we'll podcast that someday. And number four was coordinate with your other investments.
So a lot of times, all of your money won't be in your 401k. You'll have some 401k and some other accounts and how do you make them all work together? So that was what we reviewed. And I said, there's going to be one more step here, which is one that a lot of people, this is the first time after they go through their HR onboarding.
The first time they really think about their 401k again is when it's time to change jobs. So what do I do with all this money, whether it's a lot or a little, but I do with this thing that I've been saving in. And now I'm leaving the company that was sponsoring this plan for me.
Have you ever been in that situation? It's funny that you would ask because yes, Mark, I have been in a situation where one leaves one's job and then one has to make a decision. Do I leave the 401k as it is? Or do I get my hands into it like a delicious dough? And do I start working it and making something more wonderful out of it? Yes, I've been in that situation, yay, barely this year. And I'm noticing that my microphone sound has changed.
So I'm just acknowledging that if other people can hear that as well. Yeah, it sounds the same to me, but I'm also listening to you through the Zoom. Okay.
Yeah, that's right. So I would say that my goal today is just to give you a basic rundown of your options when you have a workplace retirement plan and you're changing jobs or even maybe some of you are retiring. Oh, we have some retiring age listeners these days.
That's exciting. Very thankful that somebody would listen to us talk. Listen, I will interject here.
Gray beards always welcome. There is a flashing light in front of my life that says gray beards welcome. I like hanging around older people.
I want them speaking up. I was in a board meeting today when one of my gray beard buddies, Larry, was popping off and opining. And then at some point he mysteriously and ridiculously said, Hey, if you ever want me to shut up, just tell me to which I said, Larry, the whole reason you're in my life is to speak up.
So say everything that you think we are very pro gray beard. We want older folks around. And we think we think we can we have some help to offer.
You certainly have some expertise. I have some expertise. But man, they have wisdom and expertise that we love.
And whoever walks with the wise grows wise. So if you're 23 listening to this, I have a little word of advice to you. Go collect gray beards in your life.
Get them around you. Get them around you and walk with the wise and grow wise. Okay, sorry.
No, I just have to interject that because I don't think people understand that. All they want, they want to be around the hot skinny gene. Whoever's got the influencer, a lot of followers on Insta.
I understand the allure of that. That's not how you grow into maturity and wisdom. Yeah, there's a guy I follow on Twitter who's kind of his thing is helping men dress well.
And he did a he did a post today. He did a post today on the embarrassment. And I think he used the word shame of men who don't dress their age either young men who dress like old men or old men who dress in the skinny jeans and the hipster boots.
So it was actually kind of awesome. But that's what that made me think of. So collect gray beards, avoid the ones that are dressing like 22 year olds.
Yes. Awesome. Okay, so what are your options when you're switching jobs and you have, let's just say you have a 401k.
If you have a 403b or one of those other accounts I mentioned, it's the same general. Same rules. You have four options.
And Steven, you can go ahead and tell me which one you think's the right one to do after I say this. Okay, I like this game. It keeps you engaged.
There's a prize in the end. Yeah, you can roll the assets into an individual retirement account. So you can take the assets out of the plan and without any penalties or fees, you can move them into an individual retirement account.
Door number two, you can just leave it there. So you go to a new company, even if you start a new 401k plan at the new company, you just leave the money at the old plan. I'm going to put an asterisk by that because there are plans that actually will kick you out if you don't work for the company anymore.
But a lot of them will let you leave it in place. So that's an option. Number three, you can roll the assets into a new 401k plan.
So if you're just switching from a company that you've been at to a new company and the new company has a 401k, usually the new 401k is happy to have your money and charge you fees on it. So they'll say, go ahead and roll those assets into our 401k. And then all your money will be in one place at the new companies 401k.
And option number four is you can just say, I would like all that money right now in cash. Okay. So can we eliminate any options? Okay, yeah, let's so let's review.
You can leave it Pat where it is. You could roll it sideways into your new companies 401k. You could roll it into an IRA or you could get it out in cash.
So yeah, those are options. Okay, so I would like to, I'll take the last question first, Alex, and I would like to say, we don't pull the cash lever and get a dump truck worth of cash out of the end of it. That's the worst thing that you could do.
That's right. Because if you are under 59 and a half, you're going to get a penalty of 10% of whatever the value is. So just a penalty, it goes to the government.
And you're going to get taxed on all that money as if it was income to you. So we don't want that. Don't do that.
That's the worst option. Now we're left with three options. And do you think there's a right answer between these three? I mean, I'm interested to hear what you're going to say.
I would say that two of these options leave me cold, which is leaving it to stand pat or putting it in another 401k program. That's a shoulder shrug for me. I'm the most interested in moving it into the IRA.
Okay. So the answer is all three of those options are the right answer in certain situations. And I'm just going to try to explain to you what the considerations are that would tell you which of those three options are.
Okay. If all three of them are the right answer, then by having chosen one of those three, I could say I got the right answer. Yes.
And you actually, because you got the right answer, are this weeks featured answer winner? Thank you so much. I knew there was a reason that I came today. Oh, this feels good.
Do you have any social justice messages you'd like to share or you know what? I want to dedicate this win to all of the ducks that died during the Exxon Valdez spill 30 years ago or whenever that was. I because nobody remembers them. No, but I'm holding a torch out for those petroleum stained ducks.
And I I'll never forget their pain. So this award, I want everyone who didn't win this award to feel guilty about what happened with the Exxon Valdez. Thank you.
Yeah. There were there were ducks and there were lunes that were oils. Lunes.
Okay. That's what a lune sounds like. Okay.
So let's talk through some of the considerations that would help you figure figure this out. You know, in terms of rolling it into an IRA, an IRA is an individual retirement account. It has a lot of the same rules as a 401k.
You also can't touch that money until you are 59 and a half without paying a penalty. And once you turn 72, just like a 401k, we talked about this in episode one of our little 401k series, the government's going to start saying you have to take money out now because they want taxes on that money and they're going to charge you income tax. So, you know, we talked about Roth versus traditional.
If you have a Roth 401k, you will have to roll the Roth part of it into a Roth IRA. And that will be tax-free forever. If you have a traditional 401k, which is still more common for most people, then you'd just roll it into a traditional IRA.
Why would you do that? Well, an IRA, you can invest in just about anything. There was this great story. I don't know if I mentioned it in a previous episode, but famous venture capitalist Peter Thiel, he had built up a Roth IRA, meaning it's never going to be taxed again with $5 billion in it, which is pretty crazy because you can only put $6,000 a year into one of those suckers.
But that's just a fun little factoid. Do you know how he did it? Nope. He used his Roth IRA to buy extremely cheap shares and companies that he was considering investing in.
That would have been my only guess. He would have had to keep the money in the funds and in the program, in the IRA program, and inside the program, he would have had to make incredibly volatile, cookie, shrewd investments that went wild. Yeah, so he knew they were going to go wild because he knew he was investing in them, but he was able to carve off a certain type of share and use his IRA to buy them for nothing and then have them be worth hundreds of millions of dollars.
So if you have access to that type of option, we recommend it because it's great to build up $5 billion of tax-free money. Yeah, that is one of our strong recommendations that if you can build up $5 billion, you should do it. Even if you have to pay taxes on it, it's usually still a good choice.
That's right. That's right. So the benefit though of an IRA, I tell that story because you can invest in a whole bunch of different things.
Just about everything out there in the stock and bond world is investable for you versus in a 401k, there's a very set group of things that you're allowed to invest in. So a lot of times that is the number one impetus for people to go from 401k to IRA is you can now invest in whatever the heck you want. There's not just 10 fund choices for you.
Depending on the 401k and the IRA, you might pay substantially less fees in an IRA, but not always. So that one, you have to kind of go back to episode two where we talk about fees. It's important to know what the fees are.
I would say this is the most popular choice to roll into an IRA. Now, why would you not want to roll it into an IRA? There's a few things you might want to consider. 401k plans have slightly higher shields around them from bankruptcy and creditors.
So if you are facing impending bankruptcy or you have got some bad gambling debts or something, then you might want to leave your money in the 401k. It does not have higher shields around it for things like liability suits. This is specifically if you were going to file bankruptcy.
Then 401ks are a little bit more protected than IRAs. I hope that if you're in that situation, you are frying bigger fish than worrying about where to roll over your retirement account. But it's worth noting.
One of the big ones, we've talked about doing Roth contributions. Well, if you're doing that $6,000 a year into a Roth IRA and you're just starting to build up a pile of tax-free money for the long run, you can only do that if you make $208,000 a year or less if you're married. So if you make more than that, you can't contribute directly to a Roth IRA.
And this is a crazy rule. I think we've probably talked about it before. What you can do is contribute that same amount to a traditional IRA, which is not going to give you any tax break, an after-tax contribution, and then 10 seconds later, you can turn it into a Roth IRA contribution.
So does it make sense? Thank you to our genius political regulators. But that's the rule. Now, if you have other IRAs outstanding, it screws that up.
So if you're making more than $208,000 and you want to keep doing these back, they call them backdoor Roth contributions, you are going to have issues. So again, sometimes that means don't do it. If you're trying to get around that, then you could either leave the money in place.
And that would be one circumstance where somebody, Stephen, might want to leave it in an old plan. Let's say you're going to a new employer that has a cruddy plan. So you don't want to roll it into the new plan, but you really want to make these backdoor Roth IRA contributions, then you might leave it in place so that you have no other IRAs that will mess up your backdoor contribution.
It is worth noting that if you, this is for each spouse, so I had an old 401k that had grown pretty big. And when I left a company, I decided to roll that into an IRA where I could invest in whatever I wanted. And so now I don't do backdoor Roths.
However, my wife is still able to do them because she doesn't have an IRA in her name that messes it up. So we still can do half of the amount in Roth contributions each year. So the last reason you might want to do to not do an IRA contribution that I've run into is with a 401k plan, if you separate from service from a company, so you're no longer working there, you're allowed to take penalty-free distributions starting not at age 59 and a half, but at age 55.
So if somebody is doing an early retirement, but they're going to need the 401k money that they've saved up, then sometimes we'll say, hey, you're 55. If you take this money and roll it into an IRA, then you're not going to be able to touch it for four and a half more years. But if you leave it in the 401k, you will be able to get to it with no penalties right now.
So we might leave it in the 401k plan for four and a half years until they turn 59 and a half. And then we're indifferent and we roll it out into an IRA and invest it however they want at that time. Or buy a mountain vacation home.
Yeah, if it's big enough, then they could consider that. But let's cover the primary basis first. Yeah, okay, okay.
So that's an IRA. Now, with when you're looking at a 401k plan, I think a lot of plans, we talked a lot about fees and I kind of harped about that a couple episodes ago. A lot of plans have very low fees while you're working for the plan sponsor.
That's the company that you work for that set up the plan for you. And a lot of times the company you work for will cover those fees if there are higher fees while you're working there. But once you leave, they say you can leave your money in the old plan, but we're not covering your fees anymore because you don't work for us.
Gotcha. And so it's really important to make sure it's very common for me as a financial planner that I will run into people who have just left money in an old plan. Yes.
And they didn't realize that, wow, when I left, they're now draining. They're now draining. Jacked through the roof.
Yeah. So the way to figure out if that's you is to go back to that document we talked about the plan document, which you can request from the HR people at your old company. And it will tell you all the rules of if you leave and how the fees work within service and out of service.
So check on that if you're even considering leaving it in place. If you have to pay one and a half percent, two percent fees on money, and you're only doing that. So you can stick six grand a year into a Roth IRA.
Yeah, that might be not worth it. So something to consider. Okay.
Now, okay, are you going to tell us how this quote rolling process actually works? That's what we're going to cover. And then we're going to bring this one home. And then we're going to roll.
We're going to talk about rolling over. And then we're going to roll out. Okay.
I talked about if you roll, if you roll these over into an IRA, you can't touch it until you turn 59 and a half. You must start taking it out. By the time you turn 72, that's when these required distributions start.
The same is true of a 401k, although if you're still working at 72 and you don't own any of the company, then you don't necessarily have to take the same distributions. But this is nerdy details stuff that if you're really dealing with still working at 72 and trying to minimize your distributions, then you should just call us because you're dealing with some more complex stuff than we're covering here. Yes.
But we talked about kind of the idea of leaving it in place if you're hard to get a job at age 72. For whatever reason, life circumstances that happened. And you have to get a job.
Maybe it's just a part time job 15 hours a week. You're 72 years old. Where do you want to work? I have to work for someone else at a company.
No, I'm going to say you have to work hour. You have to get an hourly wage somewhere. Man, I think it might my hobbies and stuff change so frequently it would be whatever I was into at the moment.
But right now, I think I wouldn't mind being that guy at the NBA game, like the jazz game, checks your ticket and stands there and watches the whole game every night. Oh, because that guy is always, he's always like in his 70s. That's true.
That's true. And that's just a free season ticket and you're going to pay me to. That's a win.
You're right. And it's like two, it's like two nights a week, right? Yeah, that's a great one. I was going to say work at the pro shop or the local country club golf course.
But but yours is even better. Because I feel I feel like I'm part of the action when I'm at those NBA games. I feel like I know what's happening in the world.
I feel sorry, sir, stand there. You cannot come up the aisle until they are done shooting free throws. That's exactly right.
Even though everyone in the arena is waving the noodles and screaming right behind the backboard, you walking up the stairs, it's going to bother. That's going to be distracting. I would I would want to be the guy right down on the floor that's keeping the riffraff off of the floor seats.
And they usually wearing a vest of some kind or like to be there. Yeah, I think you might need to have a little bit more muscle mass for that job by the time you turn 70. Okay, I don't know.
Those guys, they have to be able to catch the occasional streaker or something. Okay, all right, back to your 72 year old. Okay, so we've kind of covered the rules.
But if you say, I know that I'm ready to do a rollover. So I'm going to move money from my old 401k into an IRA or into a new company's plan. There are two types of rollovers.
And this is important. Okay, one is called a direct rollover. And the other is called an indirect rollover.
Oh, perfect name. Yes. Now, with a direct rollover, you provide instructions to the old plan.
So let's say you worked at Procter & Gamble. And now you're going to go work at Gillette over in France. That is a that is a Procter & Gamble company.
Sorry. Oh, that example. What's the second biggest company in Cincinnati? Kroger.
Let's say you worked at Procter & Gamble. And now you're going to go work at Kroger. So you will tell the 401k custodian.
That's the company that actually holds your funds. I want you to send my money to the new plan. And what they will do is either create a wire transfer or send an actual paper check.
But it will not be made to Stephen manual. Good. It will be made to new companies custodian.
Let's say the old fund is the old 401ks at Fidelity, the new 401ks at TD Ameritrade. Fidelity will send TD Ameritrade a check that says it's made out to TD Ameritrade FBO for the benefit of our Abraham and Comey who's making the transfer here. Yeah, yeah.
That's very important that it's for your benefit, but not written out to you. Yeah, occasionally you will have a lazy provider. This is true.
Any time you're moving money from one tax advantage account to another, you could be switching financial advisors and you're moving money from an IRA to a new IRA. You occasionally will find somebody who says, I'm just going to have them send you a check. Now, you don't want that because that is called an indirect rollover.
That's where they send you a check and you must deposit that check within 60 days. Otherwise, the IRS goes, oh, that was just a distribution. And now we're going to hit them with the 10% penalty and tax the whole thing.
Terrible. We don't want that. You're also only allowed one indirect rollover per year.
So if you were to try to do it twice, it would cause problems. And lastly, with indirect rollovers, this is the, you could deal with the other stuff. You could deposit it within 60 days and to a new account.
You'd probably be fine. The real negative is, they are required to withhold 20% for taxes when you do an indirect rollover. But you, let's say that you had $100,000 in a 401k and you did one of these, they send you a check for $80,000 because they have withheld 20.
In order to not get penalized, you have to put $100,000 into the new account, but you don't get the 20 back until you go and file taxes. So very important that you don't get this wrong unless you're just sitting on cash and you can wave your hand until some accountant do this for me. I don't care about the consequences.
So we want to do direct rollovers whenever possible. And if you're going to do an indirect rollover, just be super aware, you can't just take the check they sent you and stick it in the new account. You got to figure out what they withheld for taxes and also put that in the new account.
Or you get pinged for all the penalties we discussed. What did we miss out here? I feel like this was a pretty straightforward what to do. Yes, I think it's been fairly thorough.
Now, did you tell us what to do? I feel that we know where to go when we're doing new companies. But did you tell us what to do if we want that in an IRA that we can manage ourselves? Yeah, so if you want to put this in an IRA either that you're managing yourself or you're going to work with an advisor, then it's the same process. That indirect or direct rollover can work for an IRA or a new 401(k).
We did not talk about how to invest that. Although if you really wanted some starter details on that, I think you could go check out our asset allocation article. It would apply also to IRAs.
I don't think there's a whole lot of difference between an IRA and a 401(k) in terms of moving from point A to point B. But I'm just imagining somebody who they were at a job for five years. They had a 401(k) that was being developed.
They don't have a personal investment account somewhere. But now they've got 401(k) money and they want to do what you're describing about putting it into an IRA. Here's where I will try to be very impartial and also probably sound like I'm making a pitch for what I do.
Speak freely Mark. Don't worry about the haters. You just say what you think is best for people.
The haters. Okay. I think that if you're the type of person that is just a gunner on I love to do personal finance, I want to run my own investments no matter what, then you turn to this podcast off probably at episode one because you already knew all this stuff.
But if you're thinking I don't even know where a person sets an IRA up. There's a couple of things I would say. One is that this is usually one of the transitions in life where people at least reach out to a financial planner to say, "Now if I wanted to work with you, tell me what it would do for me." And I get a lot of those calls people saying, "I'm changing jobs, I've got a hundred thousand dollars or half a million dollars or sometimes three million dollars in an old retirement account.
Just depending if we're talking about somebody who's worked their whole life or somebody who's worked for five years." And my advice for let's just focus on somebody who's been in the workforce for five years and they have a modest size 401(k). My advice is I think it's a great time to do some in-depth planning where we go in to end and figure out what are the details of your financial life. Are you on track? Are you ahead of the game? Or a lot of times, I don't mean to scare our listeners.
But people think, "Well I've been saving, I got the full match like these Abraham Wallet guys said and I've been saving 5% of my income the whole time." Most people don't realize most of us are going to need to save like 15 to 25% of our income. If all we're doing is traditional stocks and bonds types investing. So I think it's a really good time to just reach out and say, "Wher...
Read more: https://opentheo.com/i/7250795400066721241/dough-401k-deep-dive-part-3
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2023.03.01 19:07 bat_out_of_heck ADHD careers compilation

Reposting with better formatting because the last one got auto-deleted due to paragraph length. I'm recently diagnosed and was inspired to write this post by a recent thread on why being a ranch hand is great for people with ADHD. It sparked some discussion about jobs that work for us and why they work for us, and a lot of people chimed in to talk about their own careers.
I've pulled some quotes from that and other threads about ADHD-friendly jobs. As a therapist, I've found that a lot of clients with ADHD in their teens and early twenties get discouraged because they struggle to conceive of jobs they could actually enjoy. At the same time, many of my adult clients are doing great in careers that a lot of young people don't even know about (or don't think they could possibly be good at).
This is obviously not an exhaustive list, but I chose examples I felt were representative of many different fields, education levels, experience levels, and personal interests. A couple of broad takeaways:
Here's the list. Feel free to post about your own job in the comments.
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2023.02.24 19:28 BATZ202 My application has been denied after few days in person interview

I guess you guys were right, Kroger enjoy making their employees suffer a lot. Instead of hiring more people, they prefer overworking their employees. Despite advertising they're hiring outside of their store, and even go in for interview Kroger has denied me. At first the person told me they don't have room for me and they'll call me back whenever they do. I've told them I'm available all week and weekends and I don't have experience working in retail but I do have some work experience and open to learning new skills. I was the first one there and arrived in nice clothes, shake hands and I was a little nervous but I still went through entire interview. Only for them to email instead saying they denied my application. I hope when they really need people, they struggle to get any. 🙌☺️
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2023.02.22 22:29 LouisvilleGoods420 How to get promoted/certified as a department lead?

I've been a clerk at Kroger for just under 2 years. Started off in frozen, got moved to grocery, to dairy, and am now a fuel clerk. So safe to say I have a pretty decent understanding of how the store and different departments operate. I'm well versed with everything having to do with the zebra and am familiar with a lead's responsibilities (as I have done and have been doing their jobs'.) Im sure this is a common experience, and while i dont like it one bit, i would like to give kroger one last chance and see if i can get a decent paying position. But being promoted to lead in my current store is nearly impossible because every lead has been here for 15-20+ years. I know I could apply for a lead position at a different store, but I'm just wondering if I would need some kind of documentation proving I'm qualified to be a lead. Maybe I'm wrong, but I feel as though not many krogers would hire a clerk for a lead position. Any help would be much obliged.
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2023.02.22 13:36 kimmicake I am 32 years old, make $58,500 as marketing coordinator, live in Georgia, and this week I enjoyed a 3-day weekend!

SECTION ONE: Background
Generationally, my family has been lower-middle class at the best of times and impoverished at the worst. My maternal grandfather was born and grew up in a house with a dirt floor and dropped out of school in 8th grade to pick cotton, for example. My other grandparents’ families were a bit better off, but until my mother finished her degree at 36 years old, no one had ever completed a post-secondary education. I am the first traditional college graduate in our family, and it was always assumed that because I was smart, I would be the one to go to college. If my mom hadn’t moved us to Georgia when I was in 3rd grade, I’m not actually sure this would’ve happened. She worked really hard to get me and my sister into the best school system in the metro Atlanta area, and while we were definitely house poor, on top of my parents making poor financial decisions (due to lack of financial education), I was eligible for the HOPE scholarship and Pell Grants for my 3.5 years of school. This helped tremendously, but I also lived at home after freshman year and commuted to school to decrease cost of living; after graduating, I lived at home until 27 to both help my parents (I paid them $500/mo and paid the internet & cell phone bills) and to save more money than I’d be spending on rent elsewhere.
Seeing the mistakes my parents made, I have avoided any serious debt and try to make sound financial decisions. It’s been hard for me in some areas because I’ve been surrounded by affluent peers most of my life, so sometimes my perception of my finances is a bit disjointed to the reality of most people in the US/world. I have been interviewing for higher paying roles and hope that one works out soon, so I can save more. I also hope to move in with my boyfriend, R, in the next year, and a byproduct of that would be reduced living expenses but is not the reason I wish to do so.
SECTION TWO: Assets and Debt
Retirement Balance: ~$38,337.74. At my first corporate job, I put 7% in my 401K to get the employer match, which had some kind of weird match makeup. I wasn’t eligible for the 401K until a full year of employment at Job 2, so I only have ~$1,600ish in this account. It’s just sitting there, mainly because it’s a pain to switch it over d/t that account has my preferred rather than legal name on it so there’s forms involved and blah blah blah. Can’t anything be easy?! Job 3 is my current employer, and I currently put 10% with a 3% match. In the past I have contributed anywhere from 10-13%, mostly with 3% match but there was a six month period where we lost the employer match.
Equity if you're a homeowner: ~$38,335.28; I paid $225,000 last year and put 5% down at a rate of 4.999%. There’s $211,664.72 remaining on the mortgage, and Zillow estimates its worth at $250,000. I know this is scary with regards to my income, because my monthly payment with escrow is $1590.35 (in March, up from $1461.99 d/t increase in property value/taxes). However, I bought it in a neighborhood within walking distance to a major annual tourist event, at which time I intend to rent it out for ~$4500 for the week.
Savings account balance: $10,774.40
Checking account balance: $2,422.53
Credit card debt (and how you accumulated it): $3,555; In November 2022, I had to replace my HVAC unit for $6,500. Instead of paying it all at once from my emergency fund (because my home maintenance fund only had ~$1000 in it after some previous home repairs - the first year of home ownership is always FUN), I used an offer from my credit card to pay installments without any fees, so I’ve been making payments of ~$750 each month while replenishing the home maintenance fund. It’s a bit wonky to see because I have that card linked to my natural gas bill, but rest assured there’s no interest accumulating. Otherwise I spend everything between different point category cards and pay off the balance each month. Annually, I probably accumulate ~$800 in rewards points that I utilize on travel expenses.
Student loan debt: $7,151. Hoping this will be forgiven, either from the original executive order or whatever plan B that the Biden administration works out if the Supreme Court fails us.
Auto: $4,098.89 left on my 2015 Honda Fit, on which I make $200 payments each month; the KBB value lists the trade-in value at $10,959. I intend on driving this car until it dies a very long time from now, so I don’t account for this.
SECTION THREE: Income
Income Progression:
January 2012-December 2013: Worked part-time after graduating at $12/hr for a property management company. It was hard to find jobs in my field (advertising/media) at that time.
December 2013-November 2015: $32,000 as an ad sales assistant. Severely underpaid but that’s ad sales. The benefits were good at this job, though. I had one small raise in late 2014, $34,000.
December 2015-April 2017: $48,000 as a sales support coordinator. I was originally hired as a marketing coordinator to develop marketing collateral, write sales proposals, and even help with their event marketing (conferences). However, within six months, there was a reorg that shifted my role to 100% proposals, which I didn't enjoy, and also shifted my previous manager whom I loved to a new manager whose micromanagement and superior attitude caused toxicity. I left this job without a backup job and struggled to figure out which direction I wanted to go in afterward. Ultimately decided to go back into media/advertising.
September 2017-March 2020: Hired at $40,000 as a national account coordinator, received a small raise to $41,500 in October 2018 and another February 2020 to $43,150.
March 2020-Present: Promoted to marketing coordinator role at $55,000. Received raise in June 2021 to $58,000. No raise since then, but a performance bonus in March 2022 of $6000.
Main Job Monthly Gross Pay and Pre-Tax Deductions:
$4883.34 Gross
$ -483.34 401K
$ -50.00 HSA
$ -16.22 Dental (Bronze coverage)
$ -42.32 Health Premium (Bronze coverage - employer puts $750 into HSA. I usually go Gold coverage but since I intend on changing jobs/employers this year, I opted for Bronze)
$ -1.28 Vision (Bronze coverage - covers eye exam but I buy my glasses online)
Main Job Monthly Take Home aka Net Pay: $3321.98
Side Gig Monthly Take Home: $50-100 I write real estate listing descriptions for the realty office my sister works at. Last year their copywriter left because her own real estate business was thriving, and she couldn’t devote the time. I had never written listings before but my sister knows I can write well, so I did a tester for them, and they loved it! Now I write 2-4 each month for $25 each.
SECTION FOUR: Monthly Expenses
Mortgage, including home insurance: $1590.35
Savings contribution: I don’t make any general savings contribution, since I use YNAB, I bank for expected expenses each month, totaling around $300 each month but with so many home expenses lately, not sure I’ve actually been saving anything. Hoping to switch jobs soon to make a higher income.
Debt payments: $750, as described above for HVAC system- and generally taken from savings
Donations: $20 monthly, banked up and donated at the end of the year, mostly to food bank programs.
Electric/Gas/WateSewage: Average $150-250 depending on season.
Wifi: $40
Cellphone: $50
Food/Drink: $200 groceries, $150 dining out
Subscriptions: Netflix & Hulu/Disney+ $20.97; Augusta Chronicle $1; iCloud $0.99
Clothes: I put away $30 for this every month but rarely spend it
Pet expenses: $23.32 for pet insurance; other expenses average $120 each month
Car payment / insurance: $200 payment; insurance is ~$65 but I paid upfront last July to lower the cost a bit
Parking/toll/gas/other transportation costs: ~$150
Beauty/grooming: $35
Paid hobbies/entertainment: $150
SECTION FIVE:
Day 1:
7:30a - My dog, Dashiell, finally rouses me from bed with his usual antics, alternating between pressing his nose into my face and lightly woofing at the foot of the bed. I put on some warm clothes to play with his herding ball outside and queue up the latest episode of “Maintenance Phase,” one of my fave podcasts.
8:25a - After a couple water breaks, Dash finally concedes to coming inside. I make coffee and cereal for breakfast. When I finally have caffeine in me, I start up my laptop and finish a few things leftover from yesterday’s workday.
10:30a - Finally remember to make an appointment with the local (independent!) Honda repair shop to do some maintenance and replace my brakes.
Noon - It’s my lunch break, which means Dash gets his walk! There’s a park in our neighborhood, so we usually stop there near the end of our walk so he can run & sniff. He tore his CCL (dog equivalent of ACL) in October, and while he wasn’t a candidate for surgery at the time, he will eventually need it so I’ve been cautious with his recovery and how many long sprints he’s allowed to do now. As we are literally walking through the door, a flower delivery arrives. My boyfriend, R., has sent me a beautiful bouquet of hot pink tulips, my favorite color and flower. He’s a keeper, this one! I send him a quick thank you text and then it’s finally walk time.
12:45p - Back from our walk and I’m starving! Leftover hibachi bowl from this past weekend; wish I had more yum yum sauce, but it’s still pretty delicious.
3p - Work is pretty slow, so I decide to make a quick trip to the store for charcuterie fixins. It’s Valentine’s Day, and my mum and I are going to have some wine & cheese and binge the latest season of Emily in Paris, which we haven’t seen yet. I set out for a couple cheeses, cured meats, grapes, and a baguette; of course since it’s Lidl, I end up buying a few other household necessities. $54.51
3:45p - Back at the house, put away groceries and log back onto work. Nothing notable has happened while I’m away so I do a dog puzzle with Dash.
5:15p- Done with work for the day, so it’s time to do a little tidying before my mum gets here. Feed Dash dinner and get the charcuterie board together.
9:45p- It was a fun gals’ evening, but it’s time to go to bed early, because tomorrow is my travel day for work.
Day 1 total: $54.51
Day 2:
6a - Wake up, throw on my business casual outfit, feed Dash, and I’m out the door by 6:15 so I can make it to Atlanta by 9:15. It’s a long trek, but I only go into the office every other week. I made the decision during the pandemic to move closer to my family and love the life I’ve created in a smaller city. While I’m gone, my mum comes and hangs out with Dash for a bit every few hours. He’s super calm and lazy whenever I’m not home, so she loves the snuggles.
7:30a - On travel days, I usually end up treating myself to Dunkin for a coffee and a glazed chocolate, and today is no different. $4.20
8:30a - Since my office is a half tank of gas away, I stop for gas. This will get me back home and through the rest of the week. $26.31
9:45a - Rain, utility work, and general Atlanta traffic delays my commute, but I make it to the office, and my computer is here! It’s been quite the ordeal. It died, had to be examined by the manufacturer per whatever contract we have, they sent back the wrong hard drive in the machine, then after they got the correct one back, our IT had to re-image it. 2 months later, it’s back. Now I will have to spend an hour or 2 getting all of my data, favorites, and presets back to how it was.
11a - Take a break to order a 12 pack of Palmer’s Medicated Complexion Bar soap from Amazon. It’s got 3% sulfur, which keeps my rosacea and other inflammatory skin condition calmer than anything else I’ve tried (and less costly than my previous prescriptions!). I usually buy it at Walmart but it’s no longer listed on their website or in stores, and it’s out of stock on the Palmer’s website. I hope it’s not getting discontinued! I did a subscribe and save for 35% off and use a gift return balance for the remaining $21.79. $0
1:25p - Even though I’ve only been here 3 hours, most of my team have already left. We’ve only said hello & goodbye. Why am I here??? I pack up my things and start the, thankfully much shorter, commute home.
3:30p - Stop by Kroger and get a bag for R’s Valentine’s gift (bought last month but just arrived yesterday). Of course I see a Reese’s PB heart for 50% off, so I grab one. $4.74
5:45p - After getting home, logging back in and finishing the important items, it’s time to feed Dash and leave for trivia, R’s and my weekly tradition. Tonight’s theme is rom-coms! I pick up our dinner from Jason’s Deli (modern Mediterranean bowl for him, chicken panini & veg for me) on the way to the brewery. R buys our beers (“Hammer of the Hops” West Coast IPA for him, “Wolf Dog” Witbier for me). We are third until we bet it all on the last question and get the answer to “Who invented the first heart shaped candy box?” wrong. $24.59
9p - Back at home with Dash, who is curled up at my side in bed. I’m always tired on travel days, so I’m asleep by 9:30.
Day 2 total: $59.84
Day 3
7:15a - Wake up for real (I get up to feed Dash at 6 and go back to bed). Dash and I play with his herding ball for 25ish minutes and then go to drop my car off at the auto shop. I tell them to replace the brake pads & do whatever other maintenance they can tell needs to be done. Again thankful I live so close to my parents, because my dad comes to bring me & Dash back home.
8:30a - After playing a few more minutes with the herding ball, we come inside for coffee and Cinnamon Toast Crunch minis cereal. I eat while reading email (and get wildly annoyed by one of my colleagues in another office who expects me to do her job for her), and Dash naps.
10a - Taking a break to YNAB, because yesterday was payday and I didn’t have time. I love YNAB. It has really empowered me in my financial decision making.
Noon - Walk time!
12:30p - After a nice but warm walk, we’re back at home. I reheat the leftover half of my chicken panini and eat it at my desk with some Cheez-its and grapes.
3p - The auto shop calls me and tells me my brakes are fine! They said sometimes aftermarket brake pads squeak but that they’re totally safe. I have them just rotate the tires and check if any fluids need flushing/exchanging. My mum drives me to pick it up, and they only charge me for the tire rotation. $20
5p - Log off to drive me & Dash to my parents’ for dinner. Since I moved, I’ve cooked dinner whenever I can. It’s perfect; I don’t have to clean up afterward, and they get nice home cooked meals instead of the frozen food they were heating up before. Everyone’s happy!
8p - We come back home after eating & hanging out with my mum. Dash gets his nightly fish chew while I shower & get ready for bed. Start reading “Interior Chinatown,” which reads as a novel in screenplay format.
10p - Not far enough into the book to make any discernments but I’m too tired to keep going.
Day 3 total: $20
Day 4:
730a - Wake up, strip the bed and throw bedding in the wash, and then it’s a play session in the backyard with Dash. It drizzles on and off while we play.
8:20a - Coffee, breakfast, work. I have to complete my self-evaluation today. I didn’t really complete any of my, admittedly ambitious, goals last year but we had some unfortunate circumstances personnel-wise, and I’m still a top performer, so I grade myself with grace. My manager will likely do the same. None of this matters anyway so whatever!
9:30a - The local paper sends me a great deal - $1 per month for the next year. Sign me up! $1
10:30a - Next weekend R and I are going to Atlanta for the ATL UTD home opener along with seeing some family and friends. My best friend and his GF have decided to join us, so I buy 4 tickets so we can sit together and list the previous ones I bought at Christmas (they were part of R’s gift). $67.25 for R’s and my tickets. Best friend and GF already Venmoed their half.
11:45a - Dash and I attempt a walk between rain showers, and barely make it home before the bottom lets out.
1230p - Back from our walk. Back to work. It’s a long weekend, so thankfully most people are already in that mode. Tie up some odds and ends until 5 when I promptly log off. Also notice my tax refund came through! I don’t get a ton back, but it always makes me feel better to get a little back than pay additional.
6:30p - I meant to make dinner as I normally do on Friday nights, but I was cleaning and doing laundry and doing all the things. R comes over with Murphy, whom Dash apparently missed wildly, because they go insane. We end up getting a pizza delivered. $28.67
10p - We make it through a couple different shows, and then it’s off to bed for us.
Day 4 Total: $96.92
Day 5
7:30a - Up and out of bed. R starts coffee while I putter around for a few minutes before I’m awake enough to make breakfast. We decide on our classic “weekend breakfast” of biscuits, sausage, and eggs.
Noon - R goes home to do a few things and leaves Murph with me. I laze around for a while and then play with the pups for a bit before hopping in the shower and getting ready. We’re going to the Highland Games at our local brewery!
3:30p - On the way to the brewery, I make R stop at an antique store that I haven’t been to yet. I see a couple of good things but they’re priced much too high for what they are.
4:30p - I order a pretzel and beer cheese from one food truck while R orders loaded BBQ fries from the other. Even though mine is simpler, it takes 30 minutes to get it. R buys our 2 rounds of beers (all Scottish varietals for today’s events). We watch stone put & tug of war, but as much as we love this brewery, it’s disorganized and crowded and a bit of a let down. $7.11
7p - We’re back at (my) home, dancing to Bad Bunny while I make dinner. It’s one of my favorites. Rigatoni, Italian sausage, brussels sprouts, Parmesan, and lemon. We watch a couple episodes of The Traitors before bed.
Day 5 Total: $7.11
Day 6
8:30a - Out of bed, I load the dishwasher while R puts on the coffee. We decide on cereal, and I realize the Cheerios are heart-shaped. So cute! We laze around and just enjoy one another’s company before he and Murph leave around noon.
Noon - I eat the rest of the leftover pizza from Friday. Think about calling mum to go do some thrifting but decide a nap sounds better.
3:30p - After playing with Dash and getting him tired via snuffle mat, I leave for a shopping trip with my mum. We go to Lidl and get a bunch of sale items, including 2lbs of fish, frozen veggies, spring doormats, way too many Ben & Jerry’s but I’m pretty sure they’re about to be discontinued at Lidl, milk, a flowerpot, bread, and a bottle of wine. $64.29
6p - Dash and I head to my parents. Baked cod, risotto, and roasted broccoli are on the menu for tonight.
10p - After reading some more tonight, I’m halfway through “Interior Chinatown” now. I enjoy how it tells the story of this one man (and family) through the lens of Asian archetypes in Hollywood, as he longs to become more than “Generic Asian Man” or “Kung-fu Guy.”
Day 6 Total: $64.29
Day 7
7:45a - I wanted Dash to sleep in this morning, but alas, he barks at the back door until I come out. Normal routine.
8:30a - Inside for coffee and breakfast. Since I go into the living room and don’t have my computer, Dash falls asleep on my lap. I try watching Bling Empire: New York, but it’s not really my thing.
9:30a - Doing my daily YNAB reconcile, and I notice Dash’s fish chew subscription has gone through overnight. We’ll be getting them tomorrow! $19.09
Noon - It’s absolutely beautiful out, so R and I decide to head to a state park for a little picnic and hike with the pups. Gotta fill up the Fit before we head out ($23.91) and stop at Publix for pub subs, chips, and water, which R pays for. Once there, I pay for parking & 2 sodas ($7.61).
5p - Home and while we and Murph are tired, my little cattle dog is not. We part ways for dinner and for our short week before our Atlanta trip on Friday afternoon. I know I won’t be doing anything fun tonight so ending the diary here.
Day 7 Total: $50.61
Weekly Totals:
Food + Drink: $145.77
Fun / Entertainment: $67.25
Household Necessities: $43.00
Gifts: $1.95 (for the gift bag)
New Subscription: $1.00
Pet Supplies: $19.09
Transportation: $55.22
Car Maintenance: $20.00
Weekly Total: $353.28
Reflection
Honestly, this was a pretty normal week for me. R and I spend the weekends together, but we don’t generally do expensive dates, and when we go out for a “nice” dinner, generally he ends up paying since I cook most of the time. Most weeknights I go to my parents’ house to cook them dinner, so even though I sometimes buy their groceries, it also allows me a smaller grocery budget. My overspending generally comes in the cost of my home, both furnishing it and keeping up the maintenance. I know this cost will go down, since the first year is when you find out the ways in which your home is deficient but did not necessarily show up on a home inspection. This month I should end up with a net gain of $500 of income v expenses, which I hope keeps trending in that direction now.
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2023.02.21 12:03 remote-enthusiast 100 remote jobs from last couple of days

Hello friends! These are the open remote positions I've found that were published today. See you tomorrow! Bleep blop 🤖
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2023.02.20 22:25 JerinTheGoat_ First day recommendations

I recently got hired onto H‑E‑B and working as a Curbie for Curbside. I just finished all the super long online training courses today and start this Wednesday. Is there any other Curbside workers that can give me some pointers on what goes down in Curbside? My prior work experience has been warehouses and the only grocery store I worked for previously was Kroger back in 2017 for 3 months. I’m super nervous and will take any advice I can get. Please and thank you. 🥺🫶🏼
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2023.02.20 22:03 Throw867530900 Arizona. I can access someone else’s paystub and HR isn’t doing anything about it.

Whenever I try to view my own paystub, it saves it in a folder, so I opened the folder and clicked the paystub that had a (1) next to its saved name, since I clicked it multiple times… Turns out to be someone else’s.
Asked HR to fix it and he just shrugged and ran off to somewhere else. I also cannot delete any of these files…! So my paystub information is now available like the other person’s…! Is this breaking any laws??? Should I seek any protection??? Thank you in advance.
TLDR: 1.) this is on a company computer. 2.) HR literally said, “I don’t know.” Shrugged and walked away. (It’s only one person, who’s also the hiring manager… who is also a store manager.) 3.) I can’t delete any saved files, including my own paystub. 4.) this is Fry’s/Smith’s/Kroger’s/King Soopers.
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2023.02.19 22:56 slug_abugg My Current Job Makes Me Feel Crazy (Any Recs For New Ones?)

I'm 19, going onto 20 this year, and I am almost 2 years into work at my first ever job. I work night shifts, 40 hours a week btw, stocking grocery shelves at my local Kroger. I get good pay, and lots of hours. The only problem is that working here makes me feel crazy.
On top of being extremly drained from night shift work, and having to do the physical labor I signed up for, I'm constantly dealing with coworkers and management that cannot communicate or get along. We are constantly changing rules and managment, and the night crew is alway the one blamed for the problems at the store. Half my coworkers are snitches, so if I slip up even once I'm getting screamed at, and the rest have been there so long that they have the whole "buckle down and deal with it" mentality. The only reason I'm still here is because I know that nowhere else is hiring, and that I need the money.
I'm considering doing work from home type stuff, but most of it is customer service, and my high social anxiety makes it hard for me to have conversations with strangers. On top of that lots of the open jobs require a college degree, which I do not have and have no interest in getting.
Does anyone know of jobs I can do from home, that don't require experience or customer service work? I've heard of transcription jobs, but I'm not completely sure. I know its a big ask, because I'm being really picky about what I can and can't do, but truthfully I can't even order food at a resturant without overthinking it.
Thanks if you've got anything to share : )
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2023.02.16 13:55 PerfectJarrett If there are any Metro by T-Mobile employees here, how did you get hired? I'm interested.

I've been a cashier at Kroger and worked in retail for the past 8 years. I have plenty of customer service experience and I would love to get into cell phone sales. I live in Macon, GA and there's a Metro everywhere but I don't know how to get hired.
I have an AA degree in Business Administration Technology and I'm a bit of a techie so I'd love working at a phone store. I'm always on Youtube looking at different types of cell phones and phone unboxing videos.
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2023.02.15 16:25 Daniellian_ Will the $14.5 an hour wage increase apply to existing employees?

So, UFCW announced that Kroger (Atlanta division) will increase starting pay to $14.5 an hour. When I got hired last year, my hourly wage is $12.5. Will the starting pay apply to existing employees as well, and when does this take effect?
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