On the road to nowhere: The true story of the worst job I ever had
Your job is one of your most important assets. It gives you earning power. It can bring you personal fulfillment. But what happens when you’re stuck in a job you hate? Here’s the true story of the worst job I ever had.
Unlimited Income Potential
I made some poor choices at the end of my college career; as a result, I graduated without a prospect for work. No matter — I lived off my credit cards for a few months, basking in the glow of adulthood. Eventually I realized that I needed to find a job.
My father, a life-long salesman, and always a sucker for other salesmen, set me up to meet with an insurance guy who had tried to sell him a policy. We met in a Denny’s on the far side of Portland early on a Saturday morning. The guy gave me long, slick pitch, touting the job’s “unlimited income potential“. He needn’t have bothered. I needed work and was dumb enough to think that this was a perfect. I signed up.
I underwent two weeks of training, during which I learned how to sell crappy insurance (though I didn’t know it was crappy insurance at the time). I spent two days learning why this was the most marvelous insurance product in the world. I spent another two days role-playing the door-to-door sales technique: I’d pretend to be the salesman and the 55-year-old chainsmoker seated next to me would be the customer. It was so easy! I sold him a policy every time.
I spent a couple more days learning “rebuttals”, the magic scripts that would turn a prospect’s objections against himself. Our goal was to sell the customer whether he needed the insurance or not. We were to create the need.
Awakening the Giant Within
This training period was life-changing. I had awakened the giant within. I was a new man. I began to cast aside the skin of my existing life and take on that of another:
- I broke up with my fiancee.
- I bought a brand new car. (A car that I could not afford, obviously.)
- I bought a new wardrobe, paying full price at trendy stores.
- I ate out every morning, every noon, and every night.
- I bought a brand-new Super Nintendo and a Gameboy.
In one training session, we were required to cut up magazines to make a collage depicting our goals. I cut out a big photo of a log cabin in the woods and declared, “I’m going to retire a millionaire when I’m thirty.” The older folks in the class — they were all older, and all over thirty — stared with vacant, hollow eyes as I made my presentation.
That night I went out for a fancy dinner.
After training, I spent a week shadowing my manager (the man who had hired me), watching how door-to-door insurance sales worked in the real world. We drove to rural Oregon (Enterprise, in the far northeastern corner) and set up shop in a motel. That Monday morning, we met for breakfast in a local coffee shop. I bought my manager eggs and coffee. We drove out and began knocking on doors.
At every house, we’d introduce ourselves: “Hi. I’m J.D., and I believe this will interest you also. For only fifty-eight cents a week, should any accident whatsoever require hospital confinement…” and so on. My manager was slick. He signed up three people that first day. He’d made $120!
The next day, it was my turn to try. And suddenly my enthusiasm ran smack into the reality.
“You Can’t Quit”
It wasn’t a game anymore when I was the one trying to convince the little old lady with the oxygen tank that she needed to buy my policy.
“I’m on a fixed income,” she said, and I had no response. I wasn’t going to try to convince her that she needed this. She didn’t. She needed to hold on to her money. But my manager saw her weakness, and sensed my hesitation — he stepped in and smoothly countered her objections and wrote the policy for her. He let me keep the $40 for the sale.
“You can’t let them make you feel sorry,” he told me. “Your goal is to get a signature and a check.“
Actually, my goal was suddenly unclear. My goal had been to make a million dollars by the time I was thirty, to own log cabin in the woods. But not like this. Not selling policies to little old ladies. I went back to the hotel and called my dad. “I want to quit,” I told him.
“You can’t quit,” he said. “You’ve only been doing this two days. You don’t know what you’re talking about. Don’t be an idiot.”
I called my ex-fiancee. “I want to quit,” I told her. She wasn’t surprised. I’d just broken off our engagement, so why would I stick to a job?
I talked with my manager. “I want to quit,” I told him. He frowned, and then he smoothly countered my every argument. The one that made me change my mind was this: “Look how much you’ve spent. You bought a new car. You bought new clothes. You’re paying all this money for food and lodging. If you quit now, that money is all wasted.“
I believed he was right, and so I stuck with it. I threw good money after bad.
Throwing Good Money After Bad
For the next two months, I travelled with the other salesmen, spending a week at a time canvassing the small towns.
“Hi. I’m J.D., and I believe this will interest you also. For only fifty-eight cents a week, should any accident whatsoever require hospital confinement…”
I was a terrible salesman. I did not believe in my product. It was a crummy policy pitched in a slimy method to people who didn’t know any better. I felt dirty.
I sold some policies, it’s true, but my income was a miserable $280/week or so. My expenses were much more than that. I had reconciled with my fiancee, and so was paying rent for an apartment with her. I was also paying rent for an apartment in Portland because I was required to live close to the office. (Why? We were never there!) And I was paying for hotel rooms four or five nights a week.
I was essentially paying for three sources of lodging. And for a new car. And for a shocking amount of gas. (I put 20,000 miles on that car in three months.) And for food.
It was during this period that my problems with food began. I was stressed, mentally conflicted. I began to eat poorly. In the morning, I would buy a box of old-fashioned donuts and a quart of chocolate milk, drive to some secluded spot, and down it all while thinking of my ruined dreams. I don’t even want to think of how many calories I consumed every morning. I gained twenty pounds in three months. I charged $10,000 in credit card debt. I bought a brand-new $10,000 car.
My life was a disaster and I was only twenty-two years old.
Hitting Rock Bottom
The nadir came on a drizzly Friday. I was selling policies in hilly country west of Portland. It was early morning, and I had just driven up a long gravel road to make a futile pitch to an old farmer. He was getting ready for work, and didn’t want anything to do with me.
“You need to leave,” he told me, and so I did.
I drove my brand-new car further up the gravel road to a fork in the road. I could have continued straight, but I took the road less traveled by (and that made all the difference).
I drove downhill and around a corner. The road narrowed and the gravel vanished. The road ended. I considered backing up, but instead decided to make a three-point turnaround. I had pulled forward into a newly-plowed field. My tires sunk in the mud. Cursing my luck, I attempted to rev myself out of the jam, but that only dug the tires in deeper.
I got out to survey the situation. The drizzle had turned to rain. I believed I could push the car back onto the road, so I rolled up my pant legs, took off my sports jacket, and tried not to worry about my muddy shoes. I went to the front of the car and pushed. The vehicle moved slightly, so I pushed some again. I rocked the car back-and-forth, and soon it rolled free.
Gravity doesn’t care about bad days or crappy jobs.
When the car came free, it rolled in the opposite direction from what I had intended. Because it was resting on a slope, it rolled toward me. I dove into the mud, and watched as my car rolled fifty feet downhill, where it struck a fallen tree with a crunch.
I lay still for a few moments, trying not to think about the ruined clothes and the damaged car. I was in shock. I got up and walked up the hill, back to the farmer’s house.
“What do you want?” the farmer asked me. I explained my predicament. I think something about the situation must have moved him to pity, because his features softened, and his voice mellowed.
“Stay here,” he told me. “I’ll get a tractor and pull you out.”
I drove home (to one of my two apartments). I took off my wet and soiled clothes and took a hot bath.
And yet I still did not quit the job.
This, my friends, was the worst period of my life in nearly every way: emotionally, physically, mentally, and financially.
The Moral of the Story
There are good jobs, and there are bad jobs. And then there are shitty jobs. You should strive to work only at good jobs. Sometimes you’ll have to endure bad in order to meet a greater goal. But you should never put up with a shitty job.
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There are 148 comments to "On the road to nowhere: The true story of the worst job I ever had".
When and why did you decide to look for another job, then? I would really like to know about that part of the story!
Ah, good question. That’s worth another entry, but I can provide a capsule summary:
No one thing made me quit selling insurance. It was an accumulation of things: the work that made me feel like I was violating my principles, the weeks away from home, and the lack of fulfillment. I quit abruptly on a cold evening in December and drove all night to get home. I had no job and no prospects. For a couple of weeks, I took assigments from a temp agency. Eventually I did what I had sworn I would never do: I went to work for my father, selling boxes. I still work for the family business today.
You would make an awesome author. I hope one day at least you would write a book. Your words, no matter what you are writing about draw people in. I came here to prepare for an interview as an insurance agent and not only have you completely thrown me off course because I couldn’t stop reading your words, but you have swayed my opinion on the profession.
tiffany,you may not be involved with this websites,since your comment was back in 2013.However,if so, did you decide to continue on as an insurance agent?Finally,whats your story?Thx
Wow, that’s quite a story. You live, you learn, I guess.
Oh my god. Another reason I could never work in sales. Everything about it just seems so unctuous.
So were the insurance policies complete scams?
I think anyone thinking of going into sales should watch this clip:
http://youtube.com/watch?v=TROhlThs9qY
If you can be Alec Baldwin (the guy speaking), go for it. But most of the rest of us are the Alan Arkin, Ed Harris, or Jack Lemmon characters.
Oh, that clip is NSFW due to language, which, in my experience, is the real language of sales offices everywhere.
Thank you for sharing.
MakingItBig has it right: you live, you learn. “What does not kill me makes me stronger.” Though I loathed the job, I would not be who I am today without the experience, and for that I am grateful.
@Snarla
I wouldn’t say the insurance policies were scams. They really did what they said they would do, and there was nothing secret about how they worked. It just wasn’t very good insurance. It didn’t pay much and didn’t cover much. It wasn’t a useful product for most people (though it was great for some), and I felt duplicitous trying convince people they should buy it when I could tell it wasn’t right for them.
@Roger
Heh. The original title of this entry was “the shittiest job I ever had”.
And one more thing: I hope it doesn’t sound like I’m moaning or complaining here. I’m not. I realize perfectly well that this job came as a consequence of my choices. I tell the story because it’s amusing (in a nightmarish sort of way), because it illustrates the consequences of a failure to plan, and because those three months form the bedrock of all my debt. The choices I made then still affect me every day, fifteen years down the road.
I think this is important for young adults to realize: small decicions you make now can have a huge impact on future happiness.
Become a writer. I am an avid reader of all things that may cast more light on self improvement. Your story was riveting. I agree, as long as you can take the good out of a bad situation, and make DECISIONS and go with them. Bad decisions should be quickly replaced with better ones. Then you have learnt. Brilliant penmanship, write a book please
Eloquently written! Too bad it was about your young demise…
Thanks for sharing. Hopefully your story can serve as an example for someone, somewhere.
Very interesting and well-written. I can identify with many aspects of your story, although I’m long out of college and (thank goodness) never had to try selling insurance! (I did office temp jobs for a year, myself.)
Oddly enough, I just recently came across a little essay about how if you have money in the bank you can afford to walk away from that kind of situation. I thought of it immediately when I read your tale of woe.
[url]http://rebirthofreason.com/Articles/Setzer/Saving_for_Greatness.shtml[/url]
The really odd thing is, it appears the essay is being handed out by salesmen. Still…
Wow, great story
Thanks so much for sharing. I sold Kirby Vaccuums for awhile, and although it never got this bad, it hit home.
A deeply honest and well-written post. Sadly, many people do not come to the same conclusion you did until well into middle age. Thanks very much for this entry!
I recently graduated from college and was recruited by four or five different national banks for their “financial planning” departments…i.e. thinly veiled insurance schemes and retirement/investment products. This is not a job you need a college degree to do (obviously) but they make it seem really slick, like a job in banking.
So anyways….this stil happens today.
Great life story! I too had an experience in this kind of sales routine, only I was trying to sell industrial lighting. Oh my God! I had to learn a script and once we got into a business (usually by the back door) and introduced ourselves, we began reciting this script and did not give the person a chance to speak until we were done. The key I was told, was to not let the person get a word in edgewise. I only lasted a week, Thank God.
That was long ago….. We live and learn.
Wow, wow, wow! Quite a story, well, I am so glad you are not doing that job anymore. It’s amazing though, the way we can trap ourselves into a job (usually has to do with not being able to afford quitting)
Wow – that sounds a lot like my early twenties. It took me many years to dig myself out of the emotional and financial pit I dug for myself between the ages of 20 and 25. Only now do I feel healthy, happy, and reasonably financially stable. There really needs to be a “real life” curriculum in high school and college (home ec doesn’t count), where they teach you the ins and outs of personal finance, job seeking, and having healthy relationships. At least, I could have used it.
A job, or someway of bringing in money is important, but it is not an asset. An asset is generally something that puts money in your pocket, most likely passively, that you can turn around and sell.
Selling is a skill that we all need- too bad many of us learn throuhg unpleasant experiences! lol
I picked the link on your story from http://www.bearmode.com
it is a web site that allows members to rank financial and business stories. It also has a category on personal finance.
Your story is an interesting one and it reminds the first job I had which I hate.
Thanks.
Great story. Really made me think of what I’m doing and where I should be. Good stuff.
I’m really glad you came out on the other side. I walked out on a typical “college sales” summer job presentation (the one with the knives), because it seemed really cult-like. I suspect a lot of high-pressure sales places are probably the same.
I hope somebody who is looking for their first job finds this and reads it thoroughly.
Excellent story. Very nicely written.
It sounds like the same company I worked for. I did that after the knives…lol. Good training, and definetly makes your skin a lot thicker. My demise was not nearly as bad as yours though, well I did end up in the hospital. Hopefully it only served to make you stronger and wiser.
I feel for you, I really do. I tried my hand at sales a few times, and failed each one about as miserably as this story. However, none compared to the place I worked that lead to my site. 🙂
Oh, one more question: that fiance of yours…is it your current missus? 😉
You might’ve been a dud at selling sleazy insurance, but you’ve got a gift for writing. I enjoyed your clear, honest narrative style.
Exactly what I was thinking.
JD, your talent/gift is in writing. Lot of people can sell insurance, build boxes, etc.
Very few can write like you.
That’s where I’d plant my flag in the ground.
just get out while you can. I did the same deal, but “giving away” security systems, it ruined my career life, and set me back really far with my family. I thought I was the gifted “one in a million” who was going to be making 300,000 by the time they turned 22, bs.I never broke even and my boss was a scum bag. I quit a very nice job to work there, and the way the boss was there, I had to start the next day or the deal was OFF, so being as young as I was at the time, I didn’t smell anything funny, so I quit my well paying job without notice. I can’t use my job that I was at for 3 years as a reference bc of the way I left, and I am to embarrassed to use my secuirty sales job as a reference, so bascially, here I am, mother of one, 20,000+ in debt, and starting over, no college, nothing. SOL. as soon as you feel scammed WALK AWAY!!!
I just read this piece to learn more about insurance sales for the novel I’m writing; not only did the author teach me about insurance, he showed me some d@#ned-good narrative writing, as well!
your story sounds eerily familiar…
I too have had a shitty job. I would as a childcare worker for abused and neglected adolescents. The kids were bad, the hours and environment, and pay were worse, and since I had a part time job I ended up working two jobs with little pay on opposite schedules. I learned then you learn what you are willing to get paid to do, and working with this population of kids was not one of them for me.
Fantastic post! Very enlightening! I have been to a similar place and back. Once i had graduated i had the world at my feet, excellent job prospects and i could work anywhere in the world i wanted. However due to bad choices, and worse money management skills i ended up taking the first job that came my way. Which ended up being a shitty job, i was bullied, worked in a place i use to have nightmares about at univesity, which lead me to spend money to make me happy.
Once i eventually left the job, i was in more debt than i had ever been in my life. job prospects were good, so i relied on that to get me through. I did eventually get through but it took me many years to get to where i am now. I still have some redisual debt, but i’m paying it off and financially and emotionally i’m in a better place. I still have a lot of baggage from my youth that lead me to make these bad decisions, but i’m delaing with it with the help of my fantastic wife (i really don’t deserve her 😉 ). So all in all if it weren’t for those bad days i would never be where i am today, it makes me better and stronger.
Those dark days are still dark but they are also the most valuable lessons i have ever learnt 🙂
Great story.
Is it weird that I think this section is the nadir, rather than the car crashing?:
In the morning, I would buy a box of old-fashioned donuts and a quart of chocolate milk, drive to some secluded spot, and down it all while thinking of my ruined dreams.
I want to frame that quote and put it on my bathroom wall.
J.D, thank you for the story. It was written with great detail and clarity, making it easy for me to empathize.
I’m currently in the process of looking for a new job after being laid off from my previous one, the first job I’ve ever had. It was a good job, in management consulting, but it really didn’t make me excited or energized to get up every morning. And although I didn’t accumulate financial debt, I definitely incurred an “emotional debt” through the level of second-guessing and self-criticism I’ve put myself through as I didn’t succeed as much as I hoped I would.
Like you, I think this was the result of uninformed choice (in my case, taking the most prestigious, first job offer I got) instead of taking the time to think about what I really wanted to do. Now that I have some time (due to unemployment!) I’ve been giving serious thought to the next step. Even if it doesn’t work out perfectly, I know my next job will help me advance closer to my career goal of producing positive social impact in education.
So in sum, I agree completely with your thesis – never put up with a shitty job, and move your career forwards in jobs that reinforce your goals and principles.
This was a fabulous post! I’ve been a subscriber to GRS for several months, and I’ve learned a great deal during that time.
I do want to make a cautionary comment based on what others are saying: Not all sales people (insurance or otherwise) are sleazy and focused on separating old ladies from their money! My new favorite book is “Top 10 Distinctions Between Millionaires and the Middle Class” (by Keith Cameron Smith) He says to ask yourself (when evaluating a business opportunity):
1. Do you LIKE the people that are doing this already? Can you see yourself being around them, and enjoying it?
2. Do you BELIEVE in the product?
3. Do they have an established, supportive TRAINING system?
It is virtually impossible to be a successful entrepreneur unless you 1. Know how to sell/promote, 2. Are willing to learn how to sell/promote, OR 3. Have a partner/other staff member that will sell/promote your service or product!
I have what many would consider a good education, and a solid resume of corporate and (recently) non-profit management & operations work. I’ve always wanted to work for myself, but I hate selling. Hate it!
It wasn’t until last year when I met a successful entrepreneur that owns her own executive recruiting firm that I learned the truth: If you want to work for yourself (and earn an income), you MUST learn how to SELL/PROMOTE.
After getting a glowing performance evaluation and a CRAPPY RAISE (due to company performance) I realized that J.O.B. stands for Journey of Broke(!). So I’ve decided to set out. Slowly.
I’ve kept my job, but I’ve found an established, NYSE traded company and I’ve launched my own ‘virtual franchise’. I’ve learned that when you actually believe that what you are offering has REAL merit, it is no longer selling. It’s sharing.
I’ve also learned that no one likes high-pressure techniques, so I don’t do it. In my business, ‘Some will (buy), some won’t (buy), So What? Next (person)!” I can say that because I KNOW I’m offering something meaningful that most people need at some point, and don’t typically have!
So, the morale of the story is, don’t judge ALL sales opportunities by the cover!
Nicole, you sound like the you’d be the company I’d love to work for.
I’m currently working as a sales associate in a high-sales retail store. We’re expected to harass our customers to help them better get the computer/printer/digital camera/etc. that suits their needs. I have no problems helping people, and we do sell products I firmly stand behind, the only problem I have is that I have to semi-lie to the customer and tell them they’ll need a new Microsoft Office Suite with their new computer. This is a lie because the computer comes with a trial and you can enter your old serial number in the trial, assuming your old serial is for the same program. I’m also expected to attempt to sell the higher up Norton Internet Suite before going to the lower-end stuff.
I don’t mind that, except that as far as *I* know, AVG Antivirus, Zone Alarm Firewall, Spybot Search & Destroy, and Lavasoft Adaware are the best antispyware, firewall and antivirus programs out there. I’d like to be able to sell *those* specifically, instead of the stupid Norton thing. Especially since all of these are available for free on the ‘net. Yes, I want the business I’m working for to benefit, but not at the excuse of the customer’s wallet. I’m told that it’s not my money, and if the customer wants to spend $1000 on a laptop + overpriced software (obviously not the phrasing my boss used ;)), it’s not my concern.
I’m also supposed to sell a “remote help” kind of thing. It does antivirus and spyware scans for the customer from a remote location. It claims it does everything so “you don’t have to!” Well, I don’t like selling this because a) I wouldn’t trust *anyone* accessing my computer from a remote location, and b) antivirus/antispyware can do the same thing, if you set it on a schedule.
Perhaps I’m a bad salesmen, because I will flat out tell the customer, “I’m sorry, but I’m paid to harass you with these questions.” So far, people have kindly understood what it’s like having to do something you don’t agree with for a job.
Meanwhile, I’m semi-seriously contemplating developing a ‘schizophrenic’ side like I read about in Mother Night.
My coworkers are awesome, and I love working where I work, I just don’t like selling things that are over priced (ie: You can buy the same thing for cheaper at WalMart, and WalMart makes enough money to thrive 5 times over, so why can’t my company?).
Company’s name omitted to help protect my identity (because I’m überly paranoid that way).
Heidi,
That sounds like a really tough job; I can’t imagine having to recommend something that I *know* isn’t the best product or service in the marketplace!
Telling customers the truth doesn’t make you a ‘bad’ sales person…just an ethical one! I’m crazy enough to believe that those still exist, and I’m lucky enough to have several of them as my business partners!
I don’t have any employees, so I’m sorry that I can’t offer you a job. What I can share with you is how you can do the same thing I am doing: helping people with high-quality services they *actually need*, and earning a profit at the same time.
My company website is listed below; get in touch with me if you’d like to learn more.
All the Best!
Nicole A. Dunbar
Independent Associate
Prepaid Legal Services, Inc.
http://www.prepaidlegal.com/hub/nicoleadunbar
Listen to this nightmare:
That sounds like an experience I had in the early 80’s after graduation, except it was under my Dad’s company, training with an old, chain-smoking, fast talking and gifted salesman also. I was treated like the “little rich kid” and never really taken seriously at all. I was treated like the Male Tori Spelling of the insurance world!
They were very similar in their sales approach in that “everybody needs the policy-get the signature”, etc. Problem was, I was too honest for the job, or something close to that.
They had me driving all over creation, and often into Philly’s worst neighborhoods, from day one. I swear, my Dad was trying to get me killed. When I finally quit, after a torturous two years of being broke all the time, Dad stuck me in the office shuffling papers, and never gave me any respect after that. In fact, weeks would go by without him saying two words to me. I left his company in disgust after another five years in a cubicle, and my relationship with my parents never recovered, nor did my career.
Today, I see my aging parents about once a year, if that, and I am struggling along, apparently permanently screwed.
Morgan, as a father of three now-grown children myself, I’m speechless at the actions of your father.
What could he have been thinking.
My sympathies, and hopes that life got better for you.
The worst I ever had was at Vantage West Credit Union, formally DM. Unpaid overtime, no days off, managers unethical behavior and etc is all you will get working there.
I, too, was in sales for a summer, selling security systems. It was simultaneously the best and worst summer of my life. I was outside, meeting lots of people and living in a really nice apartment that the company provided (sort of). But I was bad at sales, working in a difficult area, for a company that filed bankruptcy the following January. I ended up without the promised “back-end” bonus check and no way to pay my tuition. So even though I got the job specifically so I wouldn’t have to go into debt, I ended up getting a student loan anyway.
I freely grant that sales programs are not inherently scams; I would just warn anyone being recruited for such a job to look at it very closely. Talk to people who have worked there for more than two years. Make sure they have an established training program. And never trust any company that will let you “fudge” or lie to a customer. Even if you maintain your integrity, the company as a whole will be shaky.
I was enjoying the stories until I came upon the one who works at a “high-sales retail store” – just say you work for Best Buy. It’s okay, we’ve all had shit jobs. The kicker for me is the poster Nicole who responds with sagely advice then completely invalidates any point she has made by selling Pre-Paid Legal. Christ. Do not listen to this person.
Ask yourself this, why would any legitimate business not operate out of an office but solicit other people to be sales people for a joining fee of $250? And guess what, that recruit’s money gets divvied up, from the bottom up to the top. The person who recruited you gets a small portion, then the person who recruited them gets a slighter larger portion, and so on and so on all the way to the top. You can almost imagine this flow of money in a shape, like I dunno, a PYRAMID.
Sounds like this is a case of an individual not willing to do what it takes to meet the goals of success. There is no such thing as a “shitty job” because work is work. This is not the 1700’s where you are forced to work for free. ??? The negative comments on this about sales in general is coming from ignorance. Sales makes the world go around-nothing happens until a sale is closed in every industry. Being the sales curator (or salesperson) may not be a role you are suited for but just because you are not suited for the job or opportunity doesnt make the job shitty or bad. It sounds like JD was not willing or driven to do what it takes to become successful as an insurance agent. I am an insurance agent and it is an honorable profession that helps millions of people protect their assets and lives. And by the way, in my first year in insurance sales, I only made $48,000 that year but I stuck with it becoming an expert in my field, after 4 years in the business, I made my mark this year by making $176,312.00 in 2012. Also, just to clarify “unlimited income potential” means that your commissions are not capped and you do not have to wait for someone to give you a yearly raise. You are in control of how much money you want to make on a monthly basis by how much effort and consistent work you do. Its that simple!
Well said Cynthia I was waiting for some positive feed back for I am interested in the insurance field. Its not for everyone and not everyone can be good at it, nor do our drive and hard work compare to be equal. Sounds to me, because he failed that hes bitter that selling insurance is over bad in general compeletly false and absurd. He gave up when times were tough and confused the profession with his short comings.
I sold for over 20 years in all levels of income and areas that test one’s morals. Take it from me, sales can be the most fun easiest way to earn a living and it can be a job that’s shitty in a big way. Any job that forces you to manipulate the buyer into buying an inferior product at an high price when they can’t afford it and really don’t need it is just a boiler room sales job – and those jobs come a dime a dozen. It’s easy to identify them after being around the block, but when you’re young, hungry and full of confidence, you’ll fall for the sales pitch. If you have a conscience you’ll soon feel you’re working for the devil. Only a con man has the nerve to suggest it’s you that’s not successful if you can’t make a shitty sales job into a golden opportunity.
Hi there, that’s a nice story. I’m feeling quite aimless now. Currently, I’m studying in uni. I’m 20 but I feel that my resume seems pretty empty. I’m considering taking up some part-time job while studying but am not sure whether I can cope or not. Another thing is I have trouble sticking to something for long. I have to work on that.
Thanks for the story. I enjoyed reading it.
J.D.,
This was the post that got me hooked on Get Rich Slowly about a year ago or so, and after finding out that I was getting laid off 2 weeks ago, (this is my last week) it was good to come back and read it again. I’ll take from this that sometimes life throws you lemons, and what doesn’t kill you makes you stronger. Keep on writing!
Hey.
I’ve just come back home from a day of training EXACTLY what you were doing.
& Basically, everything you said was right.
Its a con.
I felt really bad ‘mithering” old people & other people to do shit like that.
& The hours are ridiculous.
I spend 9 hours on my feet knocking on doors asking people to donate to such & such.
There is also a lot of lying involved. Like you said you feel dirty.
Also, if you dont get a sale…You dont get the money.
I got the job given to me today.
But my parents searched it & they found out it was one big brainwashing scam too.
Im not going into work tomorrow.
I want a job where i dont have to lie about everything to scam some money out of people.
Its mean.
I feel his pain.
It happens EXACTLY the same to me in Florida 3 months ago selling ” free windshield” for cars.
Doors to doors is a BIG pain in the a**, and usually a scam.My situation them was worst than ever.
You live , you learn every day..
The job you describe has Combined Insurance all over it. Here is a company that dictates where you work, pressures you daily about sales and sales quotas…and YET….you provide your own automobile, own computer, supply all the gas and they don’t even pay unemployment insurance on you?
Been there, did that, got a negative balance in my bank and in my personal life to prove it.
They are the most evil employer on the planet.
J.D.
It’s been a few years since you wrote this, but it sounds like what i’ve been doing over the past 2 1/2 yrs. The paycheck is a rollercoaster and it has almost ruined my spirit. The only time there is respect or recognition is for the ‘Flavor of the Month’ which is the salesperson who sold the most of the month.
It sucks. And I can’t wait to get out of it!!! Because of the commission, timing of the fundings, the nature of the beast is what keeps you there. Waiting for your paycheck, waiting for the sale, waiting for the customer…waiting for the big sale. It sucks!
“In the morning, I would buy a box of old-fashioned donuts and a quart of chocolate milk, drive to some secluded spot, and down it all while thinking of my ruined dreams.”
This sentence was a punch in the stomach. Glad to know you’re much better off and happier now.
@Somone Selling Life ins: Its not much, but my prayers are with you. Keep hope.
I really liked this article. Just last week I had to decide whether I would keep my crummy receptionist job at a property management company (aka slum lords) or go to work for a domestic violence shelter. My receptionist job was 4 minutes from my house, consistent hours, and paid a decent wage. The shelter job is 40+ minutes from my house, on an as-needed basis, and pays a full dollar per hour less. I think it would have been “logical” to stay at the receptionist job to offer stability and convenience while I attend graduate school this fall. On the other hand, the receptionist job was slowly killing my soul and was in a field that I had no interest in advancing. My degree will be in social work, so I knew that by taking the shelter job I could have much more potential for advancement than if I did not. And so that’s what I did: I took the job and over the weekend wrote a note of resignation, stuck it in an envelope with my office key, and quietly slid it into the drop box. No one ever called or gave me any problems, and I never looked back. Now all I need is my last paycheck!
Wow. This really resonates with me (and many others, it seems).
I was fortunate to be at the worst job I ever had for only three months. During my second year of college my small town didn’t have a lot of openings, but there was a new chain restaurant opening up in the next town over. I applied and interviewed to be a Server Assistant, which was explained to me as someone who assists the servers until they learn the ropes and becomes a server themselves. I wasn’t going to be tipped directly, but I’d get minimum wage ($5.25/hr at the time) and a share of everyone’s tips each night that I worked.
What I really was hired to do was to be the Salad Bar Bitch. I worked one of two shifts: I’d ether arrive two hours before opening to stock the salad bar (typically 10am-8pm), or I’d close down the salad bar at night (2pm-close).
The problem was that everything – I mean everything – had to be handwashed. All of the bowls and utensils were pewter and the fake plastic lettuce decorations had to be scrubbed by hand because none of it was dishwasher-safe. Then I had to dry it all and reset the salad bar with clean decorations and bowls for the next morning.
Since I had classes during the day, I almost always ended up closing. It took about 30-45 minutes after closing time to get all of the leftover food back into containers and into the fridge (yes, we saved it). Then it took my nearly an hour to hand-wash and dry the hundred pieces of plastic lettuce, the 65 pewter dishes and the 50 pewter spoons. I didn’t mind washing the dishes except that the actual dishwashers got to use a machine AND were paid more than I was.
I was told that I’d get faster with practice, but even after 3 months I was almost always the last one to leave. I often didn’t get to leave until well after 2am. I could tell the management was skimming my tipout because they ALWAYS handed me a $20 bill instead of calculating what my share was. I remember standing at the sink with a huge pile of dirty pewter and stewing about how this wasn’t the job I applied and interviewed for.
I still don’t know how I passes calc 3 that semester; I had class at 7:40am 3 days per week and I always went, but often it was on 3 or 4 hours of sleep.
Incidentally, the job I have now is also not the job I applied for; I got shoehorned into a position that overlaps 80% with the advertised position but with a lesser title, less training, and less pay.
I love this story because I completely understand how that must have felt.
I quit my “worst job ever” on August 6th and have not looked back. My strangest realization thus far has been this: I was eating between 10 and 15 full-sized candy bars per work week in an attempt to deal with the stress at that under-staffed retail bank with mostly commercial customers.
I have already lost EIGHT pounds since quitting, and I am finally almost feeling de-stressed. I have suffered that amount of stress before for reasons that meant something to me (father’s illness and subsequent death when I was 14 and others).
This JOB was NOT something in which I was willing to lose myself completely. Six years was far too long to spend there, but I am thankful to have learned what I do not want out of a job!
To the person who made the “pyramid” comment…. There is nothing wrong with companies who sell products though “network marketing” and use what you call a “pyramid” style pay plan.
Let me point out that ALL businesses operate that way… it’s just not as obvious. If I go to Walmart and buy a bar of soap… a lot of people get a “piece of the pie;” the cashier makes money, the stockers, the drivers, the distributor who sold Walmart the soap and trucked it to their stores makes money, the manufacturer makes money, the ADVERTISING medium that advertised the soap for them (perhaps TV commercials), makes money, Walmart makes money, and the CEO (at the top of the pyramid) makes money.
All sales environments operate pretty much the same way. Insurance, Real Estate, Retail, etc. When I was a manager of a ladies clothing store I “recruited” salespeople, trained them and, when they sold, they earned commission on top of their hourly pay. I also got an “over-ride” on their sales, in the form of a bonus. The more they sold, the bigger my bonus, because their success was, in part, due to the training and environment I was responsible for providing to them. If I trained them well… they, and I, made more money. That is fair.
Did our customers care that they made commission and I made a bonus? No. They just liked the clothes.
The concept of network marketing replaces a “box” (a physical store) and replaces mass media advertising, with a “network” of sales people. Instead of advertising, the “reps” sell through “word of mouth.” Because the company saves the money they would have put into building/renting and stocking stores, (and/or advertising on TV, etc), they can take that money and, instead, give it to the sales staff. Most products you buy, whether you buy them in Wal-Mart, or from a network marketing company, have about the same % of manufacturing “hard cost.” It’s how the rest of the “pie” is divided up that determines what type of “category” the business falls into.
Admittedly network marketing gets a “bad rap” because there are LOTS of network marketing companies that, frankly, have “bad” products (overpriced, in an over-saturated market, etc) and the companies are poorly run. This makes it difficult for people to really be successful.
They also get a bad rap because many teach their people to do the same thing that insurance company was teaching… which is to “sell the world” – push it on everyone, regardless whether they are really interested, or whether they need the product (or push the “business” – whether or not they need, or want, a “sales job”).
In my opinion… this is stupid. It annoys your “prospect” and it is frustrating for you, because you have to suffer rejection over and over again. Of course, companies with BAD products have to sell this way… because not enough people truly need their product.
But for companies that have a quality product or service… they need to (and many do) teach their people what I call “professional selling” …you FIRST determine the customers needs. If you see they truly need your product… then, and only then, do you try to sell them your product. If you can see they don’t… just “walk away.” You will find, in some situations, that those same people will later refer someone to you that they see DOES need what you are selling. But if you annoy them by being pushy… you’ll never get referrals.
Also… when I say “sell them” … what a professional really does is EDUCATE them and remove any obstacles in the way of them buying (sometimes this is financing, for instance). A good salesperson is, essentially, a teacher. If your prospect is truly “qualified” (they need the product), and if you are a good teacher, and if there are no REAL obstacles that cannot be overcome, then you make a “sale.” When you do it right… your client should never “feel” like they were “sold.” There is a saying in sales… “Everyone wants to buy – but no one wants to be sold.”
There ARE a few GREAT networking marketing companies out there with great products (you just have to know what to look for). One clue is to find out how much money the company makes off SALES of products, versus “recruiting” of new “salespeople.” Also, how many people “drop out?” If those numbers are high, that is a red flag (it’s hard to find these numbers but sometimes companies will say how many “reps” they have, and if you know their sales volume you can calculate the average sale per rep. If it’s really low, that means they have a lot of “dead wood” – people on the books, but not buying or selling product). Another red flag is if they charge a lot to get into the business (not good if they make as much, or more, recruiting then they do from product sales). Interestingly most states have strict laws governing “network marketing” businesses, and actually require some token fee (less than $50) per year to maintain status. I’m not sure what the legal reasoning for that is…. but if you see a network marketing company that is charging much more than that to be a “rep” … that is not a good sign. Good companies keep that fee low, and the money you DO spend is spent on their product or service… and if you love and need it anyway, then it’s money well spent.
If you DO find a company with a great product (Rule #1 is never sell a product that you don’t truly want, or need, for yourself) … AND you ONLY sell to “qualified” leads (meaning you ask questions to determine whether that person would actually BENEFIT from your product as you do), then you can do quite well.
One of my friends currently makes over $10,000 a month after a little over a year with his network marketing company. He has never made that kind of money before… but it is a great company, with great products, and he focuses ONLY on selling them to people he has already determined will truly benefit from them. He asks the right questions, upfront. I was with him once and we got into a conversation about “what do you do?” with someone we met. He gave them a quick answer, then asked them a few questions. When he determined that they were not a prospect, he didn’t try to sell them… he simply said… “I can tell that our product is probably not something you would want or need, but people who…” he then described the type of person that his product DOES help, and why it helps them. It was a quick conversation… but the guy actually asked for his card and gave him his card… and said that his brother-in-law would probably love it. So my friend got a referral by NOT being a pushy salesperson. THAT is the right way to sell.
One benefit of network marketing is that, if you pick the right company, and treat it PROFESSIONALLY (like a real job), you can build your income over time to a level where, if you want to slack off for a month or two, it STILL pays you. You can work from home and be there for your kids, you have control over your own schedule, etc. There have been MANY millionaires made in network marketing. However… it is still “sales” …and that is not something that everyone can, or wants, to do.
I’ve worked in many different professions… restaurant, retail, hotel, car sales, and, yes, network marketing. I LOVE sales… because I will ONLY sell things I really believe in and I’ve met a LOT of fabulous people that I’ve helped with what I have sold to them. They also loved what I sold them (everyone wants to “buy” – but no one wants to “be sold”) because I didn’t “push” or pressure them, and because I don’t try to pound square pegs into round holes (if you get my meaning).
If you love people, if you find the right product or service to sell, AND if you learn “professional selling” … sales can be the BEST job in the world and a lot of FUN. If you pick the wrong product, if you don’t have the right personality, AND, most importantly, if you don’t get the RIGHT training (read books!), you will fail, and you will hate it.
Sue:
I know it has been awhile, but what MLM company(ies) do you work with? I am looking for some with the qualities you mention, such as a good training program, a quality product, and professional sales. Would LOVE to learn more or hear from you on some ideas.
Sue:
Like Mike, I am interested in the name of the company you are referring to – sounds like a great place to work
M7
Perhaps Sue is no longer following, but I would love to learn more. I am looking for business opportunities and would love to check into the companies she is referring to. It appears this is an old post, but hopefully she will check in and provide more info as it seems that she knows of some great options, and that several people are interested in such.
There is something to be said about having a terrible job… because it reminds you that even thought things are frustrating it could be worse…
So for that reason alone these terrible jobs are a great way to manage expectations.
I’m sure that before taking this job JD wouldn’t be so happy going into the family business, but by comparison the family business is a great job.
-Mike
What a horrible story, but great advice on labor day. I love my (day) job!
So after all that, what finally made you quit the job?
Paul
“In the morning, I would buy a box of old-fashioned donuts and a quart of chocolate milk, drive to some secluded spot, and down it all while thinking of my ruined dreams.”
This just kills me.
Really, this sounds like the first line to a good novel.
I just read this post while in the midst of the lengthy hiring process for Edward Jones financial adviser. What you described sounds like a lot of misguided expectations and poor planning, as well as some bad luck. You did not have to have 3 places. You should have been well aware of the job requiring you to knock door to door and SELL things that sometimes you may not agree with. I have been thinking a lot about this job and the rewards you can attain if you stick it through. I too, will probably want to quit, but when you talk to the financial advisers 5, 10 or 15 years in the business they are doing very well (100-300K/yr). J.D., had you considered all of these things before you quit?
Money isn’t everything. If I thought my company was really slimy and unethical, I wouldn’t work there. Period. And, sometimes you don’t learn they’re crappy until you actually work there. There’s a difference between wanting to quit at times and just really hating your job and your employer.
yeah, and the ability to sleep at night…priceless.
Terry, it’s probably true that people who have stuck with it for 3-5 years are doing well – those who weren’t doing well would have dropped out (or been fired) after a few years!
“when you talk to the financial advisers 5, 10 or 15 years in the business they are doing very well (100-300K/yr)”
I’m going to let you in on a little secret: They’re lying.
That fancy suit is the only one they own. The BMW is a lease. The fancy dinners are piling up on his credit card.
It’s all part of the “fake-it-till-you-make-it” mantra that any MLM cult feeds you to keep stringing you along long enough to make more money for your “upline.” It’s all a scam. You’re a pawn and you’re being taken advantage of (but so are the posers who claim they’re making 6-figures, but will never EVER show you their tax return or a pay stub).
Actually, one of the guys did show me his records. He had been in for 20 and was bringing in 360b after everything. I do think that you have to work hard until you make it, but then once you’ve made it, your set, and your schedule relaxes.
Financial advisers/planners do make good money but as someone said a lot probably do drop out fairly quickly.
Wow, JD! What a compelling story. I went through something similar after college graduation. We are fortunate that those early failures didn’t lead to an unbreakable cycle.
hate to be a naysayer here, but at 22, i think this is what generations before you and me would have called “opportunity,” a la Bill Gates’ reference to flipping burgers in his commencement address. it was an experience that taught you some invaluable lessons, therefore not a mistake at all. sometimes we only learn the hard way as lessons tend to get lost in the blind acceptance of “success.” and oftentimes we have to kiss of lot of frogs before we get the prince in our careers.
I don’t necessarily think that just because you learned something from a crappy situation that it was an “opportunity.” Yeah, I learned a lot from the point in my life that was the worst (unlike J.D., I mourned my shattered dreams by not eating for 5 months and barely dragging myself out of bed everyday), but I am not thankful for it. There are many other ways I could have learned the things I learned. There’s a point when you just have to get out of a situation because it doesn’t benefit you in the slightest. That’s what happened here.
This is in contrast to many icky things I’ve not relished but clearly see the benefit of. Waiting tables, working at the mall, etc. were not my first choice ways of earning income in high school and college but I did use them to my advantage to get better jobs and to learn what I absolutely did not want to do in life.
Re-reading this post on Labor Day, I feel very thankful that I am privileged enough not to have to work at shitty jobs. Not everyone has that choice.
Thanks, J.D., for the reminder.
Oh no, I must have been reading this blog for way too long. I remember the last time this was posted! Still a very important story.
Don’t worry.
Now, if you’d been reading this blog long enough to remember the *first* time it had been posted…
You are very blessed if that was your worse.
I’m curious how to got out of this one though.
Dang, J.D. you definitely had it rough after college. It’s amazing what the bad times can teach you though. Those experiences probably gave you many of the views that you disseminate on this site daily for the entertainment and education of your readers. Happy labor day.
When I was growing up, and whined to my father about all the studying I was doing to get good grades, go to university, and get a degree in engineering, there was one thing he always countered with: “You’re doing this so you don’t have to stack shelves in Asda [Walmart]”
It worked. One summer holiday during my university years, I did work a till at Asda. I know what it was like. It wasn’t the worst job in the world. It wasn’t even the worst holiday job I ever did (that would be the rat-infested school uniform shop that cheated me out of minimum wage). But it was not what I wanted to do with my life.
I’m lucky to have had the chance to have a good education, and get a job that comfortably pays the bills, and that I (mostly) enjoy. Getting there took a lot of work. At any point, I could have jacked it in and taken that job at Asda. I’m glad I didn’t.
What an awesome post J.D. I bought that policy by the way at my first job 🙂 An insurance salesman who had made contact with one of the other associates at the first firm I worked at would not stop until he nailed me down. Yup – a whole life policy for a single woman. Ah well. Nearly 20 years later the return is not so terrible- but still one of the dumb financial decisions I’ve made.
But back to your story of work and the way it shapes how we feel about ourselves. It will be 10 years on Oct. 1lth that I was laid off from my highest paying job. It was a month after the terrible day that needs no name. I was one of the highest paid associates at the firm due to my seniority and commercial real estate (my field) was headed to the crapper -actually noone really knew then what was going to happen. My life has changed in so many ways since then.. I am not making the same salary – in fact I make a quarter of what I made – but I help people every day (I am a housing counselor) and the rewards are good for my soul – if not for my wallet.
Anyway – thanks for the post.
At one point soon after I left High School I considered a job in door to door sales. Specifically I had a chance to get in with a company that was selling Halon fire extinguishers to homes. I actually liked the product they were offering in some ways, but as I sat through the training I realised the company-mandated sales pitch revolved around building an image of the vict-er-customer’s family dying a horrible death in a fire, and how our product could save them.
I was completely revolted by the techniques they were telling the new batch of sales reps to use. If the only way they could sell their products was to effectively terrorize people into buying them (this was the late 1980s, when terrorize didn’t automatically mean a bomb or a plane flown into a building), I felt that it was something I wanted nothing to do with. That afternoon I told the instructor this as I was walking out. It cost me about $100 (since we had to buy some initial materials up front) but it helped me to decide to go into Computers rather than sales. At least I can sleep at night. 🙂
Unfortunately, fire is terrifying. The number of people who are unprotected with any kind of fire extinguisher, smoke detectors, carbon monoxide detectors, and sprinkler systems is very high.
The number of people who die unnecessarily is tragic. In 2009, there were 156,200 fires resulting in 2,480 deaths and 12,600 injuries, with financial losses of $7,259,800,000.
There is nothing unethical about what you were doing, or what the company did.
Something to consider is that any door to door sales job won’t be door to door forever. You usually work hard for the first few years as a SALESMAN but then you typically transition into a consultant where you are no longer knocking on doors, where your trusted clients refer others to your business and where you reap not only financial benefits, but huge amounts of freedom and independence. Hard work in the beginning for a lifestyle that you desire in the long run making what most only dream about.
Okay, being a salesperson for a reputable company and working your way up is one thing, but selling crappy insurance (J.D.’s words) to people who don’t need it (little old ladies on fixed incomes)? One of the points of the story is that the company was unethical, and the guy he was working with sounds slimy.
As someone who is in their 7th career, I understand your situation. I started out as a Sales Engineer for a A/C company. I sold and designed A/C systems on a commission basis. I found I did not like commission sales. Sometimes you have to try something to know if you will like it or not.
Just quit a bad job recently.
The role was quite different from what I had done in the past and was stressing me out big time. In addition I did not see anything likely to change.
My boss noted that the next day while I was working my notice period I looked a lot more relaxed. I was.
The only caution I make is that a good emergency fund makes quitting a lot easier I have over 10’000 Euro so I have options and time. In three days time I am about to travel around Europe by rail.
I remember reading this a couple years ago when you linked to it from another post. Having worked as an Ed Jones advisor in the past, I can relate all too well.
Knocking on doors all day and being asked to sell financial products I don’t believe are in the client’s best interests? Nope, don’t miss that.
Could you please elaborate a litle more about what specifically the problem was when you worked as a financial advisor at edward jones? It would be greatly appreciated as I am currently considering it as a career. Thanks
Hi Terry,
I would like to explain this if I may. You may or may not agree.
The last two sentences of his post define his answer.
Say if a young couple with little financial experience walk in off the street and ask you for you help. What financial product will you sell them. Better still, ask the advisor making 300 K what product would he/she put them in?
The right answer from your firm would be the one that makes them and you the most commissions, not the product that is right for the young couple.
If you would put each client that see’s you in a good, lowest cost fund that was right for them, you would not make the high salary you speak of in your earlier post. You would also probably be let go by the firm you work for as well eventually.
So you have a choice between being ethical, and becoming rich. Which will you choose? You can’t do both. Mike obviously felt torn there and decided to pick another career. I applaud him for that.
I’m sure there are good advisors out there but there are too many that are not. I would be glad to have an intelligent honest conversation with one that would prove me wrong.
Four years ago I felt it was time I planned for the future. I have read, studied, signed up for feeds from great websites like this to try to learn what my best path to wealth and a decent retirement would be. It won’t be with any of the mainstream investment firms out there.
People need to learn just some basic principles, have a little discipline and go it themselves.
Terry, I mentioned the knocking on doors — and that was certainly no fun at all — but by far the bigger issue was that I just didn’t agree with everything Edward Jones wanted me to do.
For example, a big part of the business model, after meeting somebody at their door, is to call them up and pitch them an investment — a CD, an individual bond, or an individual stock most of the time.
Unfortunately, I don’t think individual stocks are a good idea for very many investors. A low-cost diversified stock mutual fund is a much better choice for most people. And the same thing goes with bonds — a low-cost bond mutual fund is usually a better choice.
And even if I didn’t have an issue with that, there’s the whole fact that I just met the person once (or possibly twice) and really don’t know much about them. How can I in good conscience suggest a specific investment if I have no idea what the rest of their finances look like?
In addition, there was a lot of encouragement to sell what I saw as very sub-par mutual funds. Because Edward Jones has a list of “preferred fund families,” you’re strongly encouraged to stick to those companies. Unfortunately, some of them have absurdly high costs and really just aren’t very good.
I just remembered one more thing. (It’s been some years since I worked there.)
When you’re new, you go to St Louis for a few different training classes. During the training class in which they teach you to make over-the-phone pitches, they have experienced FAs listening in on the calls so they can give you tips afterward. Suffice to say, I was not very comfortable calling somebody to talk about their personal finances while there was a third party on the line and they didn’t even know it.
I’m going in to work at Walmart today to put in my two weeks notice. I don’t have a new job lined up, but I need to get out of this soul sucking job. I’ve been complacent for a year, and it’s time to shake things up. This was timely, so thank you!
I used to work as an engineer at a mine. Every summer we got a crop of summer college student workers (mostly kids of people who worked at the mine). It was an unwritten rule to give them the worst, dirtiest jobs (not unsafe, but grimy) to make sure that they would go back to college at the end of summer.
This story was such a struggle. I’ve never wanted to put myself in that position. I knew early on that commission sales just aren’t for me. I’m not a pushy person, and I question the ethics of many companies like that. Requiring you to get a place nearby when you’re never there? Ridiculous. I don’t know what brought you to quit, but thank God you did. But it’s good to see that someone like you went through this, because look where you are now. It gives me hope that even your darkest, hardest moments are temporary.
“Hi. I’m J.D., and I believe this will interest you also.”
No one was buying any insurance because they were too busy trying to figure out what “also” could possibly be referring to in the first sentence you’ve ever said to them.
🙂
As a grammar nazi, you can bet I pounced on this first thing in training. “What do you mean by ‘also’?” I asked. I was told that it was intentionally vague so that the person would keep listening. In reality, the “also” referred to the list of folks in the area who had already been sold an insurance policy. Yet another reason I wasn’t effective…every time I said the sentence, I was wincing at the lack of an antecedent.
I had the same thoughts when I read this! First, “also… what?” reading as me, and then “also… are other people doing things? Have I done things? Is this something I ordered?” reading it as a potential client. I can see how it could work!
I couldn’t imagine trying to sell something I didn’t believe in! That must of been hard to do.
I am not a very good salesman either, but I’m doing whatever it takes to be the best salesman at my work. It seems like I get better with practice each day of work, and it makes me look forward to my day! I definitely love my job.
What a rough story. I think some of you are being awfully hard on someone who was a kid at the time. When I was in-between high school and college, we had a recession going, and believe me, one gets VERY desperate for work in times like those (and now). I once spent 4 days getting people to sign some stupid petition, after which I was supposed to get paid on the 5th day, and of course did not. It was beyond awful.
it is amazing how many con artists there are out there, waiting to bully young employees and would-be customers alike.
Seems like perfect training to become a financial advisor. Same seedy training and you work for a larger company that forces you to sell their products. Then you both receive commissions until the client either gets smart or dies. Kudos to the poster above going through the Edward jones process. If he’s good he will retire early on the backs of those who sign up with him.
I think with that sort of thing you just need to have it in your blood.
A while back I helped a guy who was an auctioneer. Just for a day he needed my vehicle to haul stuff from an auction site. When we were leaving he asked me if I wanted to go and watch them auction off a home. Basically someone passed away and her relatives out of state paid his friend’s company to do the sale.
When we got there they were already under way. Even though he was working he was able to bid on, and won, several paintings for $1 each. Later he was able to sell them for $15 a piece. He told me that it was so hot and humid he knew that people would be less likely to bid. It’s always the small details (like the weather) that go unnoticed.
After they were finished we went inside the home to finalize all the sales. It didn’t seem too bad but he told me some of the homes he had to go into were so run down he had to wear safety gear, ie masks, just to pick out what was good enough to sell.
The insurance story just reminded me so much of helping that guy. Not saying he was as slimy. He just reminded me a lot of the main character in Death of a Salesman.
I assume that this story took place years ago. I can’t imagine that anyone these days would have to endure a job that requires door to door cold calling. In many communities it is downright illegal. I would NEVER buy anything from a door to door salesman. In fact, I would think it was creepy. Avoid any high=pressure, cold calling type of sales positions. Those will go the way of the dinosaur before too long. People simply have too many options and that barriers to cold calling are getting stronger everyday: voicemail that is never returned, caller ID, etc.
Great article.
This story left me wondering what the poor decisions were that you made in college that left you without a prospect for a job. I read the comments here and also the previous posting of this article and didn’t see an answer there either. If you don’t mind sharing, it seems like it would be useful to know what the poor choices were and what you feel would have been better choices.
The part about the job making you feel dirty struck a cord with me. I was unemployed for about 2 months last fall. Before I got my current job (minimum wage at Walmart), I was offered a rather well paying job with full benefits and monthly performance bonus. I thought, when I was offered that it seemed great, but then I researched what it was I would be doing. I knew it was cold-calling people to sell them something, but what I didn’t know is that I would be selling them on political candidates. Particularly right-wing, neo-con candidates who chose this company to represent them because of the company’s lax views on separation of church and state. At the end of the day, I couldn’t do it. Not that I couldn’t sell it, I could, but I would hate myself for it. I knew I would convince a lot of people to vote for candidates that I, myself, wouldn’t vote for, and every day I would go to work feeling that I sold my soul to the devil. So I held off, and instead I’m working for minimum wage with no benefits, but I do have a clean conscience.
NOTE: I know many will disagree with my political choices, but that’s not really the point. Read the story with the political views flipped and you might get it better.
I agree that we don’t know what a job is really like until we actually work there. Some of us are still in jobs that are not ideal, but we need the money. Or the benefits.
My mother worked a job that gave her headaches everyday and she ended up getting black eyes from the fights. She was a corrections officer. She worked there to feed her family and pay the bills.
My job in retail doesn’t pay much but it has decent benefits. I have a boss that is nasty and has made all of the women there cry at least once due to his condescending words. The turnover there is incredible but I stay as my job search has not lead anything better.
Finding a job that fits your needs and is one that you enjoy working at is a real pleasure. I wish everyone could have that dream job!!
This comment about a bad boss is so true.
My very worst jobs have been mostly because of lunatic bosses who loved power and abuse equally.
Our company VP had his son intern in the accounting department one summer, and I thought he was preparing for a bright future in my chosen field. The day he left I asked him to tell me the most important thing he had learned. He said “That I never want to be an accountant.” His dad was warning him what might happen to him if he didn’t stay in engineering school.
This is a great story and you did a great job of story-telling. For me it’s a great story because it brings back memories of crappy jobs I have had and how I handled them. It also makes me thing about mistakes I made with good jobs.
But I think there is a HUGE component of this story that was not discussed. I consider you lucky to have this experience at a young age. I think this experience helped define you as a person and helped you become a success later in life.
My story is a bit different, but it impacted me in similar way. I worked for tech company right out of college, I was instantly successful and was worth over $1MM, “on-paper”. I barely cashed my bonus checks and had no budgeting or financial planning strategy. I thought the money would never end and that I was set for life. I just needed to enjoy…
I was totally wrong. Lucky for me I did not take on a lot of debt, but for the next 3 years I completely floundered. I learned life was not easy and successful careers and businesses were not handed out with college degrees. It was one of the hardest lessons I ever learned and I would not trade it for the world. I don’t even think about the $1mm in stock options that ended up worthless and I don’t blame anyone for my struggle to recover. I consider it a gift.
The lesson was priceless and I think your story is just like that, you learned something so valuable. Without it you would not have created Get Rich Slowly.
Great story, but what is the conclusion? I see how you got to the moral, but I’m curious about how much longer you put up with that job and what you did after that? How did you turn it around?
Thank you for sharing.
This story is a clif hanger. I have to ask – was the fiancee you broke up with Kris?
Yes, the fiancee I broke up with was Kris. And believe me: She doesn’t let me forget it! 🙂
Insurance is a tough gig. I tried selling Aflac during my own darkest years. Wouldn’t wish it on anyone.
I agree with some of the posters about the value of a shitty job experience. Fifteen years ago I had a shitty job for 12 soul-destroying months. I looked for other work for many months with no luck. Finally I just couldn’t take it anymore and quit. Money was very tight, but I felt like I’d lost 100 pounds. It took me several months to recover to where I could think about a long-term job again (because to look for work you have to be able to sell yourself, and the shitty job had killed my self-confidence).
But here’s the benefit of this job — every time I’ve hit a rough patch in subsequent jobs, I always look back at the shitty job and remember what rough really was. It always helps put the current situation in keen perspective!
P.S. I agree with the moral of the story (that you never have to put up with a shitty job), but I think there are more morals than one to this story!
I think you have the wrong moral to this story.
The moral shouldn’t be “don’t put up with a shitty job.” Sometimes you HAVE to put up with a shitty job – even if it’s only a stepping stone to something else – because it’s the only way you can survive (or support a family).
The moral SHOULD be, “never put up with a job that requires you to compromise your morals or self-esteem.” That seems to be the big problem here. Presumably if you were selling something door-to-door that you truly believed was valuable to people – and if the company was a worthwhile company – you wouldn’t have had the issues you did.
Ditto about the morals and self esteem. Crappy jobs, unless it is physically dangerous, won’t affect you and your job prospects in the future, but having a job that erodes your self esteem (because of abusive bosses) or makes you compromise your morals can prevent you from getting to where you want to go.
your story reminds me of my first job, few years back, it was right after my college graduation, so idealistic, until reality introduces itself, will never have a million dollars before 35, anyways I just said the first job is not your last or will not be the one that will retire you, but the experience will help you to be more mature and focus not just in the career but also in life, apologize if ii am being too cheesey
@ jigo
“apologize if ii am being too cheesey”
You’re not being too cheesy, but at least an attempt at proper use of punctuation and capitalization would make your comment much more readable. We all make errors, but please at least try!
Have you possibly considered that English isn’t his first language, and that he *is* trying?
Well this certainly makes me feel better about the dishwashing job I had for a few months after finishing my Master’s. Sure I spent some of the time thinking glumly about how I’d spent six years in university so I could scrub melted cheese off of plates, but no matter how grubby I got (dishwashing is dirty work) I never felt dirty.
A little hard work never hurt anyone.
And it kept me solvent until I got a job in my field.
I can relate.
Two of my earliest jobs were direct sales. First telemarketing, then “referral based” marketing, which is like door-to-door except you’re supposed to guilt-trip your friends and family instead of cold-calling strangers. I actually LOST money at that job, having to shell out for public transit to the unpaid training sessions and having to buy their demonstration kit. I never broke even.
One day they told me I was “lucky” enough to be able to attend a weekend convention in New Jersey, all expenses on me. I, too, called my dad in a fit of dejection. He didn’t want me to quit without having another job lined up, but he agreed it was a bad idea to put any more of my own money into a job that wasn’t paying out.
I quit that day. I just couldn’t do it. I couldn’t help but see myself as a scam artist (and also a victim of scam) and hated myself because of it.
Self-loathing doesn’t make for a very compelling salesperson, I agree.
@ Terry (comment #5) – I have a 401(K) with Edward Jones. Not ever having worked for them, I really cannot comment intelligently on their training practices. What can comment on is the 2 different Edward Jones agents I’ve had. The first one is the one with whom I opened the account. He is also my parents’ financial manager / advisor, and managed my grandmother’s accounts after she moved to be closer to my mom. He is very, VERY low-key, no-pressure, and that is the reason I finally decided to open the account at all, let alone with him. (Normally, I would not just do whatever my parents do, that sort of idea brings out my worst, most rebellious qualities as a default). I loathe Loathe LOATHE high pressure sales, and having once had a high pressure sales job (I lasted a month, including training), I can smell it coming a mile away. The first thing this guy did was to have my (new at the time) husband and I fill out a financial goals questionnaire and talk about it together, and then with him. He made some broad suggestions, asked and answered a LOT of questions (some of his questions really got us thinking), and spent a lot of time just listening, not pushing. I’m not saying he absolutely did not make ANY effort to sell us something, but it was low key, his suggestions actually made a lot of sense for OUR situation, and we knew perfectly well going in that of course he would try to sell us something – he doesn’t make money unless we buy! But the big things were – we came to him, we felt free to leave at any time without making a commitment, he actually helped us think through what we REALLY wanted as a couple, and different ways we could get there.
We moved to a different state – one he did have cert in, and had to find a new account manager / advisor. This new guy may be perfectly smart, but he comes off like an idiot. He waits for us to tell him what to do. He doesn’t ask good questions, doesn’t try to tailor anything to us, and his “advice” could be gleaned from a 1 hour internet search by a total financial neophyte. It’s like he’s asleep at the wheel. Ugh.
I think that was probably a great first job for you JD, though you did make it harder on yourself with the new new new stuff and the breakup. You learned empathy and that some things are not worth it for a few bucks.
To counter an earlier comment, there is still plenty of door to door work in the U.S., not to mention all the telemarketing. My S-I-L had a vaccuum cleaner salesperson attempt to sell her a $1200 vaccuum a few weeks ago! Then they went to her friend’s house in a neighborhood with smaller homes and tried to sell the same thing for $900! I did cutco in high school and while it wasn’t exactly door-to-door, it was direct selling of expensive stuff and was not for me. Luckily it is a good product because I sold to all friends and family (that is their scheme) and many friends parents when I visit still bring it up 10 years later! (luckily, they say they still use it and love it, but I had no idea at the time I was selling!)
There may still be ‘plenty’ of door-to-door work out there, but those jobs are not being filled by talented sales people with options. They aer being filled by desperate people who have to put up with 99 rejections for every 1 potential customer. Plus, that field is slowly but surely being eliminated. Many neighborhoods and businesses have ‘no soliticiation’ signs and there is also the ‘do not call’ list for telemarketing. Technology is destroying the door-to-door and telemarketing fields. Consumers can get information online and do not need to be inconvenienced by pushy sales people. It may be different for all of you, but me and my friends, NEVER take cold calls.
Sometimes, the worst jobs can be the best catalysts.
I’ve had crappy jobs, and decided to leave my last crappy job to do something different–not just a new job doing something similar, but something substantially different. So, in January 2007, I left my crappy day job for a job with more flexibility, and started my own business (consulting) at the same time.
Over the next year, I grew my business into my full-time endeavor, and I’ve QUADRUPLED my income, while having more flexibility.
So, don’t let disappointment, frustration, or fear keep you down–you can actually use those negative emotions to push you to change your situation. You can read more about my journey and how to start your own business on the cheap (consulting or otherwise) on my blog (http://www.StartMyConsultingBusiness.com).
I, too, took a job selling insurance upon graduating from college. I had not done any internships, choosing to take retail and bank teller jobs during college (my dad passed away while I was still a student, and I needed to make money), not realizing that my short-term need to earn money could potentially derail my long-term career.
I lasted 5 months, and was ready to quit by the third month. There was a recession going on, and the market I had been given was more concerned about putting food on the table than paying for a policy in case they should pass away. They were young and healthy with young children. Gonna live for a while longer, thank you, as long as I can put that $100 into food instead of a life insurance policy.
I started sleeping in a little more every morning, delaying the inevitable as long as possible. By my fifth month, I was completely miserable and always tired.
The shocker came when I was well into my record-breaking 250 cold calls per day. I got a woman on the phone and immediately launched into the script, trying to convince her to set an appointment. “No, thank you,” she kept saying. I kept at it, trying to overcome the obstacle. Finally, she blurted out, “I’m sorry, but my brother just died and I have other things to worry about right now.”
After a moment of silence, I said, “I’m very sorry to have intruded, and I won’t bother you again. Please accept my condolences.” I quit that day.
My lesson? When you can no longer stand to wake up in the morning to go to your job, it’s time to find a new one.
I had one of these cold-calling jobs, and hated every moment of it. We were randomly calling people and asking them to set up appointments to buy new double-paned windows for their homes. That might not be so bad, but we had to stick to a script that was several pages long. So that even if they did say yes to the appointment, we still had 2 pages of disclaimers to read word for word to them. Often they’d get so sick of our spiel that they’d hang up or start yelling. I couldn’t blame them. I started having nightmares about the job 2 days in. Quit on day 3.
They also conned a bunch of us into thinking it was “unlimited earning potential”. They always have someone at these jobs who supposedly makes triple digit incomes and can be an example for us all. What a joke.
Thank you! I was lured from a job at a community non-profit into a Document Management Sales position that promised “endless income potential”. That was 6 months ago when my house was under threat of foreclosure and my son was getting ready to turn 1. Never make a big decision, like changing careers, when under duress!! This sales job makes me feel like a soul-less shell of my former self. It is truly awful. I have never been so depressed. Alas, I have a new job at another non-profit lined up in March- I hope I can make it that long.
I can see where you are coming from on that. There are two kinds of salesmen one who is a great lier or really believes in the product they are selling, You were neither. You felt horrible lying to these people, and you didn’t believe in your product. And believing in your product means you know it is a good product that you would buy yourself, Not to many people who do sell these days believes in their product they are just real good at lying. I admire you for not letting it drag you totally down. You made mistakes but it looks like you learned from them so you got an expensive lesson.
Take care
You, sir, are a great storyteller and onde of many insurance failure examples,
Allow me to present the flipside of your account. Briefly.
I had a great amount of money from the family business but was very frustrated and underaprecciated. I left.
Insurance had me with a larger income in a matter of weeks. I have seen many like you. I was failing myself for a period of time, but kept going just like yourself.
I find the door to door strategy to be extremely rude and bad for business.
There are so many varied testimonials for insurance salesmen, which is a proffession that gets no respect, it doesnt matter when the cash flows in.
There is a saying that says that the fair is the fair, only he who tells the story imprints his point of view, and you will hear a different version from the man who won the prize and the one who went home emptyhanded.
I believed you failed before you began. Just like every battle is won before it is ever fought, it so works the other way around.
Hey JD thanks for the story, ive just had an awful week regarding interviews for sales jobs and realised this stuff is not for me. Thanks for giving me the early warning about sales and hope everything is better for you now 🙂
Thank you so much for this entry, and I thank God for allowing me to find it. I recently received a call for a job I don’t exactly remember applying for. Now I’m 19, 20 in a few days and I’ve finished college. I want to kick start into a career as feel I cannot concentrate enough to go into uni.
So anyway I get this call and go for the interview and this well presented gentleman sells me this idea of being a sales man but the main goal of the company is to train salesmen into managers to fill the vacuum as the company is on high demand. Yeah, high demand (no offense) to fund-raise for charities and sell security systems.
Today was my first day from the interviews which started 2 days ago. I, honestly HATED it! I’ve been having second thoughts since yesterday! I love interacting and communicating with people but walking around an estate all day (I do not mean to sound lazy, I am not a lazy person) without getting paid and having to cater for your own journey to and fro to these ‘territories’ back to the office and then home, was too expensive. And doing it from 9am till 9pm sometimes 10pm was I’m sorry to say, a bleeding nightmare!
I was on the verge of losing my girlfriend because she would have had to cancel the plans and surprise she had made for my birthday and I certainly haven’t been eating good either.
Thanks so much again for this post and I’m glad I opened my eyes and saved myself spending £20 a day only on travel and food – making 0 sales!
Thanks so much for writing this article. It just helped me avoid making a decision to go into sales with no experience in it. Although it would be for windows and not insurance, these days, going door to door usually preys on those at a disadvantage. I would be spending my own gas money, etc. to get to where I needed to go and this all sounds very similar to what I’d be getting into, or rather, now avoiding.
I guess I know how you felt. I’m a science graduate trying to sell insurance to hardworking people who don’t have two cents to spare. I need to sell those policies so I can become a rich investor and come to the US on a E5B visa, so I can again work in a laboratory. It is the worst job for me, to think I could not even look into people’s eyes or talk to strangers when I was little, dealing with people all the time strains me out. Yet I have no family and no greencard, I have to sell $132,000’s worth of policies and I don’t know what to do. Please help me. Any sales tips are appreciated.
I encountered a very bad job recently. Although it was in IT, I was a contractor and what my boss wanted, the customer wanted and I wanted were in different places in the universe so I quit after six weeks. I was not happy, not I am unemployed (I do have some savings) but am much more content. I was thinking about selling RVs, but again, what I want, the customer wants and the boss wants will probably not align. So will keep looking
I read your article and just laughed. I don’t work as a salesman; so don’t think I am in favor of insurance sales. You sound like you are blaming the job you had but in my opinion you are responsible for your action. You worked only 3 months and spend money before you started earning. You are too young to do the right way. I would say at that age any job would give you terrible experience and you will learn from it. no body wants to buy insurance bcz everybody thinks they don’t need it. But someBody at some point will need it. You just donnono who or when. Your article says selling insurance is bad but there are millions of examples out there who were benefited for having insurance. Not everybody can do this job and i would say you are one of them. You might be good at something else; but that doesn’t mean selling insurance is ripping Off peoples money. you are just giving a negative impression to others.
If you sell insurance to those that need it, then you need not feel guilty and they do get the comfort of knowing that they will get the right amount of money, atthe right time, when they need it the most; and it costs pennies on the dollar. Prospect for, and sell to those thany product.) *It makes for a much easier sale. It makes for a sense of gratification knowing that you helped someone and you both win.
I read a few comments where individual’s are getting scared of the insurance industry. First off, what type of insurance where you selling? Life Insurance would be my guess.
The insurance industry is amazing. I’ve been with an independent agency for a little of 3 years now and things are better for me then they ever have been. I specialize in Property & Casualty (Home,Auto,Commercial) but I love it. Don’t let an article like this steer you away from exploring what may just be the best opportunity you have come across.
I am in no way bashing the author or the article, I read all the way through it with a few laughs. (Because I’ve been there other places) its all about who you work for, and how you do your work.
Brendan,
I was recently offered a similar position selling P&C insurance for a large independent agency. Can you tell me more about it?
This is do sad… I hope things have turned around for you. You should write a novel for extra money; You’re a great story teller.
This website if great for weak minded individuals who struggled to overcome obstacles at work. I am 24, I sell insurance. I cold call, I go door-to-door, and I net work. I have no pre-arranged pitch. I do not create a need for people; instead, I look for needs and apply what fits that. Lastly, I don’t t plan on leaving the industry any time soon because if you are diligent, then you can help people solve problems while being rewarded financially for that.
I’ve had a few really bad jobs unfortunately. First job out of university working as a journalist, got ripped off $3,000 and had to work for an alcoholic boss who yelled at me for no good reason whenever he was sobering up (usually the day before pay day whenever he ran out of money to buy alcohol). When I contacted the government authority to chase my payment, the company that paid the wages had deregistered and I never got a cent.
Then there was the job cleaning house for an agency I took out of desperation to pay my bills during the global financial crisis where there was dog poo all over the floor, people wouldn’t flush their toilets, a fussy home owner and her unreasonable expectations and a husband who tried to hit on me without his wife knowing. I had to leave it after I got a wrist injury that took two years to heal.
But the one that probably takes the cake is a marketing job at a community organisation where they put me in a crammed office next to a toilet with thin walls where I could here everyone peeing and pooing all day. In addition, someone stole my work and presented it as their own to a committee of Board Members right in front of me, a steady stream of five different CEOs in two years who all wanted to change my job description for no good reason, all the other Coordinators were given a car except for me and there was a jealous co-worker who would go out of her way to embarrass me at staff meetings. This is only a sample of the many things I went through there. I couldn’t take it any more so I resigned and I haven’t been able to find a full-time job ever since.
Man, I had to contain my impulse to laugh-out-loud here in my office where I am working as an insurance agent! I love that the farmer helped you out. This awful experience has probably made you a better person and, if nothing else, you have a really funny story to tell your son when he’s working for you at the box factory! 😀
Some insurance products are invaluable to the consumer and something they desperately need. You were selling the wrong one, please don’t outcast all the good face to face products as a result of your bad experience. Many of the greatest entrepreneurs in the world rave of their lessons learned selling door to door and millions rave of the products they receive this way. Thanks.
I’ve had shitty jobs. I think people should be able to sue an employer who “sold” them on a shitty job.
Let’s face it, if you can talk someone into a bad sales job, it’s a sign they’re not a good salesman because they can’t sell the employer on why they shouldn’t take the job.
I think any job that doesn’t work out when a manager tells you “you can do this” they should have an automatic $5000 exit fund.
I hate sales jobs, I’m doing car sales because I’m trying to find something better but to me sales jobs are cannibalism. It’s not about giving the customer something they want, more like trying to make them pay more for something they can get elsewhere, but you’re schmoozing them to feel good to spend it with you. It’s predatory and softly / politely violent if you really think about the fixed income old lady with the oxygen tank.
I just started selling cars and I hate it.
Here’s why….
You can’t tell customers the price over the phone
Can’t discuss the price of the car in person
you try to get them to come in without a price
When they get here, there’s $1,300 in taxes on average, $896 freight, $70 DMV/Tags, 890 Dealer Installed Options.
And the WORST, you can’t direct anyone to a car on the internet, if they see the internet price they’ll want that. YES the internet price is cheaper than we’re telling people. So God forbid they actually have a smart phone or ever used a computer.
THEN my sales manager wants to make every deal walk at a higher price than the internet price which we’re willing to take if they come in for that.
So I’m losing money because my boss is greedy, but he has 14 sales reps, so most of those make enough as a team for him to be happy. The worst part is every sales rep who makes any money is breaking the rules, so if you do it like the boss says you won’t make shit.
a few guys aren’t even legally allowed to drive company cars, one guy tells people 2 pistons in these engines turn off to save gas, that there’s a fireblanket that falls under the hood if there’s a fire, the fenderwells are fireproof, Another guy sells cars at an auction.
Clearly the way to make money is have a disregard for rules. I just want a good 40 or 50k job, not this.