Pulling a Geographic

There’s a term that people in AA use called “pulling a geographic,” which describes the process of moving to a new place looking to escape one’s problems. It’s criticized by some because, as the saying goes, “wherever you go, there you are.”

But sometimes, pulling a geographic can be just the ticket.

Take Daniel Bailey, a 2010 law school graduate who knew early on in his career (like, the sixth week of his 1L year) that (continue reading here)

"So You Think You Can Tell"

What label describes you?

One thing that I still struggle with since leaving the law is the concept of identity. The main reason I went to law school to begin with was I didn’t know myself very well, which meant I had no idea what I wanted to be when I grew up. I’d always (continue reading here)

Something Amazing Just Happened

I wrote a couple weeks ago about our progress in paying off the last of our debt, my federal student loan.  Well, since then, something really great has happened.  As of today, we are officially debt free.  How did this happen?  Well, we had saved up about $20,000 and we had $50,000 more to go.  When we moved across the country a couple years ago, we did so because my husband took a job with a start-up company.  His compensation package included stock options.  The company has since gone public, and in February, we were allowed to exercise the options.  After taxes, they were worth just over $50,000.  We took it as a sign from the heavens to cash out and be rid of the debt, so we did.  Today, we mailed the payoff. 

The Pizza Diaries, Part 10: Sleepless in Seattle

By spring, I was tired. 

I’d been moonlighting as a pizza delivery driver for five months, five nights a week.  The original plan had been three nights a week, but given inflated fuel costs, it was tough for the pizzeria to hold on to drivers for any meaningful period of time.  Hence, more shifts to go around.  More nights sweeping Parmesan shavings and cardboard chads from underneath the prep area while waiting for the delivery screen to light up with orders.  More nights divvying up the last of the deliveries with Lou, my favorite driver (the Thai man who spoke kitchen Spanish).

“How long you plan on being here, Lou?  Delivering pizzas, I mean.”

“Eh, six month maybe.  Saving money to retire back to Thailand.”

“And you can’t just go now?”

“Nah, gotta pay the ex-wife.  She get everything in divorce.”

Lawyers and Anxiety

I was talking with a lawyer friend of mine the other night who wanted some dating advice from me.  A woman on a dating site had messaged him asking my friend to tell her more about himself.  He called me in a panic.

“So tell her about yourself.  What’s the big deal?”

“Well, everything there is to know about me is in my profile.”

“Come on, I’ve seen your profile.  All it says is that you’re a lawyer and you like to watch sports.”

“Yeah, I know, what else is there to tell?”

“Well, what do you think about all day?  What new things do you want to try?  What do you think the meaning of life is?”

“I don’t know, I haven’t thought about it.”

“Haven’t you ever read a book that’s completely out of the realm of what you would normally read?  Or listened to some world radio station at random just to see if you like it?”

“Why would I do that?”

The Pizza Diaries, Part 2: What I Wouldn't Give for a Flux Capacitor

My first week as a pizza delivery driver, all I could think about was what I would do if I were ever invited into Doc Brown’s DeLorean.  I guess the first thing I would do is pay a visit to my twenty-six year-old self and beat the shit out of me with my LSAT study guide.  And then I’d rip up my Grad Plus Loan application. 

But according to the most senior driver at the pizzeria, I was supremely lucky. 

Drivers at Papa John’s have to make pizzas and wash dishes in between deliveries, "Reed" informed me.   At the local mom-and-pop pizzeria we worked for, on the other hand, drivers basically just sat around during slow periods.

A Hollow Victory

As you can see from the pic posted here, I have fully repaid one of my student loans.  This particular loan came directly from my school, which is why I cut out references to my alma mater's name.  That leaves me with one other loan that I am currently repaying, and then I am done.  I have about one more year, give or take, of Spartan living before I am debt-free, and I can close the dark chapter of my life known as Law School.  When I received this payoff notice, at first I felt a sense of pride and hope.  Soon I would actually be able to save some of the money I earn and build wealth for my future.

But after I read and re-read the second sentence, pride and hope were replaced with frustration and sadness.  Because I repaid my loan, some other poor schmuck now has the ability to take out crippling student loan debt.  And my school's low default rate remains intact, resulting in further federal student loan funding.

The Flawed Law School Model

I have referenced the law school "scam" and the failed/flawed law school model many times, but now I think I should discuss in further detail what exactly I mean when I reference these.  Here are my thoughts (in no pariclar order of importance). 

Law school does not prepare students to be small business owners.

At orientation, there were many speakers who described the rigors of a legal education, the stress that comes with applying to the Bar, the "many doors" that JD's open, all peppered with jokes about the fancy cars that most lawyers drive. What none of these speakers mentioned is that most attorneys, especially in the current job market, are basically on their own. They did not tell me that career services would not help those students who were ranked below the top 33% of their classes, and would instead tell them they would need to hang out their own shingles. (True story: an unfortunate classmate of mine had a 3.0 GPA, and was ranked just in the middle of the class. She was paying out-of-state tuition, and had racked up $160,000 in loans, when she went to career services for help in finding a job. She was told to hang out her own shingle, even though she had no business training and the law school did not offer a course in operating one's own practice.) I was lucky enough to find a decent-paying job upon graduation, but if I had not, I would have been in the same boat as many of my classmates, forced to run a small business with no training and no idea how to even practice law.

How Many Doors Did Your JD Open?

For anyone who's bitter about high student loan debt and/or the dearth of (paying) legal jobs out there, check out this piece from Nando of Third Tier Reality, which sheds some unflattering light on the higher education scam.  It includes some sobering statistics regarding the glut of student loan debt in the U.S., the lack of available jobs that require advanced degrees, as well as the frighteningly inflated tuition prices some law schools are charging their "customers" these days.  

Also, if you feel like getting involved in protesting or sharing your views on the higher education scam, check out the upcoming protest scheduled to take place October 8th in San Diego, California. 

Inspiration

This is a terrific article by Phyllis Coletta.  She is a former attorney who quit the law in order to become a cowgirl.  It is truly inspiring and funny.  I would read it occasionally when I was still practicing law.  It gave me great comfort to know that people with her kind of courage and humor had been where I was and had successfully gotten out.  Thanks, Phyllis.  

What are some of the roadblocks keeping you from leaving the law?  What would you be doing if you no longer practiced?   

The Trap of Student Loan Debt, Part II: Do You Want to Get Out?

Many unhappy attorneys feel they cannot quit practicing law because of the enormous burden of student loan debt.  If you have been considering leaving the law for another field or to start your own business, paying off your student loans affords more opportunity to take risks (perhaps in the form of a lower-paying but more satisfying position), as well as the feeling of hope that comes from building a future, rather than paying for past mistakes.  

A little over a year ago, I found myself in the position of having left my attorney job for a lower-paying one, but still carrying a large student loan balance of over $100K (between my husband's loans and mine).  Since then, I have gained more control over my finances, and my husband and I have decided to take radical steps in order to pay off both of our student loans once and for all.  Before you begin your own journey out of student loan debt, you first need to ask yourself whether you really want out because getting out involves a great deal of sacrifice.  Let's talk a little bit about some obstacles that might be standing your way.

You Are Not Alone

Whenever I begin to think I'm the only lawyer out there who's happier doing admin work, I am reminded that I am not a beautiful and unique snowflake.  In this edition of Dear Prudence, a woman who once practiced law and now works as a secretary, seeks advice from Prudie on how to respond to the snobby comments she receives from friends who look askance at her.    One thing I love about Prudie is that she is aware of how tough the legal job market is these days and acknowledges that a JD is not something to boast about on a resume.  You tell 'em, Prudie.  Scroll down to the second letter.  Oh, and be sure to read some of the comments below the column, which are often more entertaining than the column itself. 

The Trap of Student Loan Debt, Part I

Many people who would like to quit practicing law have an enormous hurdle to overcome before they can even consider it: all that student loan debt they took out to receive those invaluable JD's (which caused that slew of doors to fly open upon graduation, right?  Or did you miss that?).  

Rather than repeat myself by reminding you that a JD does not make one more marketable, and in fact works against one's marketability, I would like to discuss a more positive topic, that of paying off these soul-sucking debts and getting out of student loan prison forever.

Before I left the law, I assumed that the size of my debt would render me unable to pay off my loans any sooner than the 25-year repayment period I had agreed to just a few months after graduation.  I think the fact that I was practicing law somehow helped me justify a longer repayment period.  After all, if I was actively using my degree on a daily basis, the expense seemed like the cost of doing business.  And since I owed about $80,000, I figured 25 years seemed reasonable.  

Once I left the law, I began thinking more about my financial future and became angry that I had made such stupid financial decisions.  I had basically trapped myself into working full-time in a field I hated for the better part of my adulthood.  Was I going to die a bitter, alcoholic ex-lawyer, still owing thousands to Sallie Mae upon my death?  I couldn't believe my life was becoming an Arthur Miller play.

I should backtrack a little here and fill you in on my professional transitions since my first temporary gig ended.  That gig netted me about $380 per week.  Once that job ended a few short months later, I obtained another job at a call center (my personal low), and then miraculously I was offered a permanent, full-time position at my husband's company working in customer service.  This all happened within one month after leaving my first temp job.  The salary at my customer service position?  $33,000 per year.  Not quite the almost $60k I was making as an attorney, but it would do since it came with benefits and a guaranteed paycheck.  When I accepted that position, however, I did something radical.  I decided not to quit my call center job right away, and instead I cut back to part-time three evenings per week.  So I was working about 55 hours per week, with a combined income (from both jobs) of about $42,000 per year.  Coupled with my husband's income, we would still be doing pretty well, except for our crippling student loan payments. 

My payments totaled about $565 per month, and my husband's were $180.  So basically, we were paying two mortgages, our real mortgage and our student loans.  And the payments were only going to go up because we were both on graduated repayment plans.  Thinking about these numbers is what led me to work two jobs and try to come up with a plan of action.

I didn't have time to think long because about a month after working my two jobs and getting used to my new, hectic schedule, my husband was offered a position with a higher salary about two thousand miles from where we lived.  In a matter of three weeks, we had to put our house on the market, find an apartment in our new city, and pack up.  It was exciting, but scary.  I had no idea what I would do for work, but I was looking forward to the opportunity to start over with a clean slate in a completely different area of the country, where no one would know me as an attorney. 

Fast forward a month after we arrived (which was November of last year).  I am once again an administrative assistant (pretty high level) and I assist professionals on an individual contract basis as needed (a few hours per month).  Everyone I work for knows I used to practice law and no one seems to have a problem with it.  And the real plus side is that I now make 30-40% more than what I used to as an attorney.  This can be attributed in large part to a different job market, but since my husband and I have managed to keep our expenses down, it has made a huge impact on our budget, so much so that I am now hopeful about seeing my student loan balance decrease to zero within the next few years.  

I can't really attribute my new found hope to a simple increase in salary, though.  In reality, I can attribute it to discovering Dave Ramsey's plan for living debt free and building wealth slowly.  It's funny, I disagree with him on so many things - religion, politics - but his books and podcasts have been so inspiring that I don't really care about our differences, as long as I am getting out of debt. 

And I am, more and more each month.  In fact, this month my husband and I are paying off our car (the big shiny one I bought a year and a half ago to try and make me feel better about practicing law), and then we are on to the student loans.  It is not easy, and I am still resentful of the law school scam, the higher education scam, and every other scam I've been taken in by as an adult.  But I figure if I am ever going to have a chance at the life I want (a little cabin somewhere with my dog, my husband, and some good books wouldn't be bad), I am going to need to pay off my "stupid tax" sooner rather than later.

I am going to discuss more of the particulars of my get-out-of-student-loan-debt plan in my next post, but for now I just wanted to put something positive and hopeful out there.  A year ago, I was miserable and depressed, thinking I would forever be in debt and would never be able to have children or even take a vacation.  And now I am getting closer and closer to being debt-free.

Life can be so shitty sometimes, but every once in a while it is simply amazing.  
  

Are your student loans or other debts holding you back from the life you want?

Does Quitting Law Lead to Happiness?

One of the questions I get from a lot of people (mostly through anonymous emails) is whether I am happier since quitting my lawyer job. I think the answer is more complicated than whether I am more or less happy. What I do know is that when I was practicing law, most of my days were spent feeling trapped and hopeless. At the same time, however, the outside world provided me with validation in the form of respect (from non-lawyers), interest in what I do (again, from non-lawyers), and approval from my family and friends (mostly non-lawyers).

Since quitting the law, I feel more at peace and hopeful about finding my purpose in life. I do not wake up each day dreading work, although some days I find work a little unchallenging. Since we both now make more money, my husband and I have more control over our finances, and have created a plan for paying off our student loans within the next two to three years.

But.

The outside world does not provide nearly as much, if any, validation anymore. When people find out I used to practice law, they inevitably ask me whether I plan to take the Bar in the state in which I currently reside. When I tell them no, they seem puzzled and I can tell they are probably wondering whether I "burned out" or was disbarred, or had a nervous breakdown. Rather than try to disabuse them of any such notions or explain my choices, I tend to simply change the subject. This is a struggle, since leaving the law was a major decision and it is a part of who I am, but I also think it is healthier at this point in my life to look forward rather than dwell on the past.

All this is to say that when one is weighing the decision of whether to quit law, one must consider how self-assured he or she is. If you are the type of person who must please your family or cannot live without a shiny job title, quitting might not be a good option at this point. Let me be clear that I do not sit in judgment of those who need approval from family or who enjoy working in a seemingly prestigious field. I get it. I used to be like that. I am just cautioning those who need these things to think twice before quitting the law. Try to create a support system that will be in place once you take the plunge.

You may also want to think about what you plan on doing with your free time once you begin working fewer hours per week at a job that most likely will not require your undivided intellectual and/or emotional attention 24 hours a day, 7 days a week.  You need a hobby.  Or a passion of some sort.  Otherwise, you may end up falling back into law because you need to do something that the world recognizes as valuable, rather than what will bring you fulfillment or may actually be useful. 

One thing I began doing when I left the law was reading more about personal finance and trying to come up with a financial plan for the future that would hopefully lead to a dignified retirement for me and my husband.  I did not consider this a "hobby" at the time, but these days, when I am not working like a mad woman, I tend to be reading up on finance or listening to podcasts about it, or looking at spreadsheets documenting my journey out of student loan hell.  I believe this now officially qualifies as a hobby.

What are some of the obstacles that have been holding you back from leaving the law?

Finally, an Accurate Depiction of the Average Lawyer

Wilfred is a new show on FX about a suicidally depressed ex-attorney named Ryan.  Ryan is the type of person who balks at the ingredients label on the protein powder he blends into his pill-laden suicide shake.  In the first episode, Ryan attempts to overdose the night before starting a new job in "contract administration," a job his sister managed to snag him at the hospital where she works as an Ob/Gyn.  Ryan's suicide attempt goes mysteriously awry, and he ends up dog-sitting for Wilfred, the titular character whom Ryan sees as a belligerent Australian in a dog costume. 

My favorite scenes in the first episode involve Ryan arguing with his sister about his career plight.  When Ryan suggests that he might not be happy in contract administration, Kristen reminds him that he is "not really a hot commodity right now," so he should basically take what he can get.  There is also a later scene in which Ryan tells his potential boss (Kristen's colleague) about what sort of "work" he would prefer over contract administration.  I won't spoil it for you.  Suffice it to say, I only wish I could have displayed that much honesty when leaving my lawyer job a year ago.  (Alas, I have never been one to burn bridges.  I still get birthday cards from my ex-boyfriend's mom, to put this particular pathology into perspective.)

If you are a disgruntled lawyer or have simply taken a wrong turn career- or life-wise, check out Wilfred.

You may have to create a hulu account in order to view the above video.  If you do not want to bother with that, you can always find episodes on FX's website.   

Jose Aponte: 0. TTT: 100,000

This just in from the Wall Street Journal: some lawyers make as little as $15 per hour.  Where were you guys back in 2004?  Maybe you were there all along, but I ignored articles like these, convinced I would never be one of "them." 

The truth is, I did not have a very tough time finding a job after law school.  But I never received an offer even close to the median salary of $75k my school advertised in their marketing materials.  And I went to a top-20 school.  Has anyone else heard of American University's Washington College of Law? 

(Oh, and if you don't know what "TTT" means, check out "Third Tier Reality."  You won't be sorry.) 

Poor Jose Aponte...

Time Flies When You're in Upheaval

Greetings from the other side! I have truly missed writing my blog, but I was in such a deep funk for a while that I had to give myself some time to focus on something besides law school regret. Thank you to everyone who sent me wonderful messages of support! Since it has been a year, I am not going to try and cover everything in one entry. I may not even write about it all in chronological order.

For starters, I will say that my life now is much better than it was a year ago when I left the law. Since then, I have moved, started earning a bigger paycheck, and am now in the midst of paying off all of my law school debt, in addition to my husband's student loans. We are on a three-year plan, after which we hope to start a family.

How did this all happen? I am not quite sure myself, but let's try to start from the beginning, which I believe was right at the end of my law career...