u/MoxBro

Several years ago, I was hired briefly by Securitas, went through training and then was interviewed with the client and officially given the role.

On this contract there were Multiple shifts across 14 locations, when they asked which one I wanted I said literally any shift, at any location besides X. They offered me X, I said I wouldn't work that location, they said they didn't care, so I turned in my gear and walked. I didn't work a single day in a official capacity.

I'm now considering a part time (2nd job) with two other security agencies one being Pinkerton, and one being a very small agency - only to find out both are owned by Securitas.

Would my quitting the job at Securitas realistically prevent me from being hired on at a Securitas owned company?

My mother is selling her home and plans to bank about $390k total, she is planning to move to be closer to me (1500 miles).

​

For context my mother has atrocious spending habits, and if she has money WILL spend money.

​

Previously it had been discussed (her plan, not mine) that my mom would pay off my mortgage in full ($300k), then I would continue my regular mortgage payment (principle and interest) to her as the new "bank". This $2100 monthly payment + $2300 SS would give her about $4400 in monthly income to get an apartment and live off of. High end luxury apartments in my area cost about $1800-2000 for reference.

​

This may sound shitty or entitled, but I had liked this plan because it put my mom on a fixed income with less risk of her burning through all her money.

​

Now that she has offers on her home and the cash seems real she is changing her plan. Now she wants to buy a new build house for $250k, paying off $60k in debt, and then spending the rest on remodeling the house (yes, she wants to remodel and upgrade the brand new home) and pay her living expenses by pulling equity out of the house.

​

She insists this is a good idea, and that she is doing me a favor because she believes the home will be appreciating faster than she is pulling equity out of it, and when she dies I'll be inheriting a more valuable home.

​

This concerns me for 2 reasons: First, this is in an expanding but rural area of Texas, for the last 2 years my home has not appreciated at all, so her idea of arbitraging her mortgage to that degree seems inaccurate. Second and more pressingly, I believe if she has a $300k line of credit through her home equity she is going to spend it all away very quickly.

​

I have no intention or expectation of inheriting anything, I really truly don't care if my mom spends every penny, but I can't and won't support her financially if she goes broke and can't afford her bills.

​

Is her new idea as bad as I feel it is?

Or am I coming off as selfish for wanting my mortgage paid off first and putting her on a consistent income stream?

Dave has often cited that one of the largest demographics of self made millionaires are teachers, which financially is pretty similar to my position (pay, benefits, retirement).

I'm a government employee.

My salary is dictated by the state budget, so I know for a fact that I won't be getting even a COL adjustment for at least 2 years (until the next budget is passed).

There is zero over time.

There are zero bonuses.

There are zero performance incentives.

There is zero negotiating salary.

All positions at other locations have same salary (since dictated by the state), so moving to a "competitor" isn't an option.

There is nearly no room for promotion (my organization has 4 steps, top 2 are just 1 guy each. Only realistic promotion is to a supervisor which people typically hit after 15+ years on the job. Some of my peers have been working for 25+ years and are at the same station / pay grade that I am).

I keep a VERY tight budget, I've been a 'rice and beans' guy my whole life, I drive a decade old Honda - etc etc. My only real expense and debt is my mortgage, which I assume Dave would say "you can't keep the house". But if I can't make more money in my job, and I can't really cut any expenses - where is my out? How do I get ahead?

Right now the only thing I'm considering is getting a 2nd job part time, but those are typically only paying $12-14 an hour and won't move the needle much in exchange for never seeing my family.