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But if you really need that income, when you apply for a job, “it’s worth a heart-to-heart with the hiring manager,” Freiburger says.

“Ask, ‘If I take this salary, could I expect a bonus?

Before you dive into the want ads, “assess where you are financially,” says Sheryl Garrett, founder of Garrett Planning Network.

“How long can you go without a paycheck before you’re broke?

At your age, with your experience and expertise, you might be in the perfect position to hang out a shingle or act as a consultant in your field. Then look for experts who can act as a sounding board, like ones from SCORE, a national nonprofit affiliated with the U. Small Business Administration that counsels small businesses.

Last modified 01-Sep-2016 13:26