breadloser
I can't afford health insurance, let alone health care. 0 sick days, 0 vacation time, $0 leisure spending. Credit card debt ticks up each month. Retirement savings is a pipe dream. How could I conscionably attempt a family under these conditions? I'd never have time to be a part of it and would be plagued by the guilt of not being able to provide.
But hey, I'm told to feel lucky I managed to lock in a 30-year mortgage at 5.99%: If I'm diligent paying on it until I've got a foot in the grave, selling the house might pay for end-of-life care!
I think in the past, CEs had to be done in person, but after COVID they started allowing 100% online CEs. IIRC, certification is good for 2 years, so if you renew at the end of your cert period, you can immediately knock out your CEs for the next renewal period, you'll be set for a whole 4 years, and you only have to pay for a month subscription to one of the CE providers.