Built for you.
Variable income, overtime, tips, self-employment, tool debt, pensions. The realities generic tools ignore are our design center. Find your line of work.
Electricians
You can earn well in this trade and still have nothing built underneath it. The pay moves with the season and the job. The tools come out of your pocket, and if you run 1099 work, the taxes are yours to sort out too.
Nurses & Healthcare Workers
You can pull real money on nights, doubles, and travel contracts. Nobody ever showed you what to do with it. Meanwhile the student loans keep to their own schedule, whatever your paycheck did this month.
Firefighters & EMTs
Your pay swings with the shifts and the overtime. The pension is real, but on its own it rarely covers a whole retirement. And in a job that can end with one injury, disability coverage isn't optional.
Truck Drivers & Logistics
Your pay changes with the miles and the load. Real money sits in your per-diem and business deductions, and it's easy to leave it there. Apps built for a Monday-to-Friday paycheck don't fit a life on the road.
Restaurant & Hospitality Workers
Tips move week to week, and so do your hours. There's no 401(k) waiting for you unless you set one up yourself. Almost nothing in personal finance is written for how you actually get paid.
Construction & Contractors
Good years and thin years, and the equipment comes out of your pocket either way. You can earn well in this trade and still have nothing built underneath it, because nobody ever set up a retirement plan for you.
Police & Corrections Officers
Your pension runs on rules most advisors have never read. Retiring early is on the table, but only if you plan the timing. And shift differentials and overtime decide what any given year is actually worth.
Home Health & Care Workers
The work is essential and the pay is by the hour, so every dollar has to stretch. Much of it is agency or 1099, which means the taxes land on you. There's no pension behind it, and nobody hands you a plan.
Mechanics & Technicians
The money can be solid. The tool debt is real, and the flag rate makes some weeks far lighter than others. Side work brings taxes nobody ever walked you through.
Manufacturing & Industrial Workers
The paycheck is steady and the overtime helps. But union benefits you already earned go unused, and the 401(k) sits exactly where you left it on day one. Steady income, and not much built on top of it.
Military & Veterans
Deployments and PCS moves scramble a budget. The TSP and the Blended Retirement System are yours to use, and so are your VA benefits and the GI Bill. Then base pay and allowances stop, and civilian money works differently.
College Students & Recent Grads
First real paychecks, loans coming due, and barely any credit history yet. The money is tight and it changes month to month. These are the Head-Start Years. What you build now makes everything after it easier.
Teachers & Educators
You have a pension, a 403(b), and a shot at Public Service Loan Forgiveness. Each one pays off only if it's set up right. And ten months of pay has to cover twelve months of living.
Government & Public-Sector Workers
Public work pays steady, and the real money is in the benefits. You have a pension, a TSP or a 457, and service that can count toward Public Service Loan Forgiveness. Most people never use all three.
Nonprofit & Charity Workers
Your pay probably trails what the same job pays somewhere else. What makes up for it is a 403(b) and work that can count toward Public Service Loan Forgiveness. Those are the two things nobody explains when you're hired.
Don't see yours? The BrickScore works for every line of work. Start there and Brix will meet you where you are.
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