I feel like I blinked and now I’m 35 with no plan for my future, and it’s starting to scare me. I have been working per diem since I was 24 because I liked the higher hourly rate. Looking back, I realize that choice has left me in a tough spot. I’m seeking advice on where to start and how I can catch up. Any suggestions would be incredibly helpful.
I found myself in a similar situation a few years back, feeling like I had drifted through my 30s without a clear direction. I had also worked per diem for the flexibility and pay, but eventually realized I lacked stability and long-term security. What helped me was taking a step back to assess my goals and financial situation. I started by setting small, actionable goals—like creating a budget, paying off debt, and contributing to a retirement account. I also explored career options that offered more stability, even if it meant a lower hourly rate. My advice is to start by getting clear on what you want for your future, then create a plan to gradually build towards it, focusing on both financial stability and personal fulfillment. It’s never too late to make changes and catch up