40yo millennial checking in. I landed a job at the state run hospital and signed up for the pension. Before I managed that, my "retirement plan" was to be a traveler. Pick up 13 week assignments all over the country with some down time between assignments. I still have it in my back pocket just in case.
I'm daydream about doing that ALL the time, but I wouldn't even know where to start if I'm at 0 on knowing how to do that. From a 27yo millennial to a 40yo millennial, pls help. What resources did you use to plan out where you'd work and how certain you'd be of employment if you really needed it? Thank you so much if you've even read this far.
There are agencies that act as intermediary for healthcare workers to pick up travel gigs. You sign up with the agency. Hospitals/laboratories/etc who need short term staffing solutions (laughs then sobs in COVID staffing shortage) reach out to agencies saying they need a nurse/medical assistant/medical laboratory scientist and the agency sends them the resumes of all their contract workers that are available. If the facility wants you, the agency contacts you to see if you want to take it.
Housing/living expenses are covered and you make BANK compared to the permanent employees (who may resent you for it). The travel pay and contracts are slowly returning to pre COVID levels but it was ludicrous for a while there. I did try to figure out a way to take a leave of absence from my job (don't want to lose that pension) so that I could pick up a travel gig. It was that lucrative. There's always a staff shortage in healthcare somewhere in the country.
There is potential for feast and famine so people doing it as their sole income need to plan for that or be willing to work in facilities that are a dumpster fire or in places that they wouldn't relocate to for permanent work. Most contract agencies don't offer benefits so that also needs to be planned for. Travelers usually make 2-3 times more per hour than permanent staff and have a separate allowance for living expenses so getting your own health insurance won't negate your earnings.
Oh Locum Tenens, sure. That is absolutely the ideal field for that kind of lifestyle. I'm hoping there's easy access to some parks jobs for like 6 months at a time while living mobile or something.
Shit's going to fall apart completely at some point, but we were thinking this 30 years ago too and its still somehow kicking along. Is it enough to bank on for retirement? Absolutely not, but that's also sadly been true for quite a while.
In my country we know that for sure since so many young people are leaving the country and the rest are working minimum wages because employers are paying them on the side to avoid paying taxes. We are also not allowed to take out our pension savings, like you can in USA. So you end up working like an idiot for government to maybe pay you back money if you manage to live up to average age.
Not me. I’m gonna just die in a gutter somewhere.
Thanks O’Bidump W. Reagordarterxon.
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