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I would like to be a mortuary embalmer.

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Part 1: What's the growth outlook for being a mortuary embalmer?

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Part 1: What's the growth outlook for being a mortuary embalmer?

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There will be around 7,000 new openings for mortuary embalmers in the next 8 years. It is also expected that the employment will grow by about 8%. That's pretty good considering it's not a very "sought-after" position.

https://www.bls.gov/ooh/personal-care-and-service/funeral-service-occupations.htm#:~:text=Overall%20employment%20of%20funeral%20service,on%20average%2C%20over%20the%20decade.

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Summary

Video transcript available at https://www.youtube.com/watch?v=c-IcbRa6Bqc.

Funeral service workers organize and manage the details of a ceremony honoring a deceased person.

Funeral service workers are employed in funeral homes and crematories. They are often on call; irregular hours, including evenings and weekends, are common. Most work full time, and some work more than 40 hours per week.

An associate's degree in funeral service or mortuary science is the education typically required to become a funeral service worker. Most employers and state licensing laws require applicants to be 21 years old, have at least 2 years of formal postsecondary education, have supervised training, and pass a state licensing exam.

The median annual wage for funeral home managers was $74,000 in May 2021.

The median annual wage for morticians, undertakers, and funeral arrangers was $48,950 in May 2021.

Overall employment of funeral service workers is projected to grow 8 percent from 2021 to 2031, faster than the average for all occupations.

About 7,900 openings for funeral service workers are projected each year, on average, over the decade. Many of those openings are expected to result from the need to replace workers who transfer to different occupations or exit the labor force, such as to retire.

Explore resources for employment and wages by state and area for funeral service workers.

Compare the job duties, education, job growth, and pay of funeral service workers with similar occupations.

Learn more about funeral service workers by visiting additional resources, including O*NET, a source on key characteristics of workers and occupations.

Funeral service workers organize and manage the details of a ceremony honoring a deceased person.

Duties

Funeral service workers typically do the following:

Offer counsel and comfort to families and friends of the deceased

Provide information on funeral service options

Arrange for removal of the deceased's body

Prepare the remains (the deceased's body) for the funeral

File death certificates and other legal documents with appropriate authorities

Funeral service workers help to determine the locations, dates, and times of visitations (wakes), funerals or memorial services, burials, and cremations. They handle other details as well, such as helping the family decide whether the body should be buried, entombed, or cremated. This decision is critical because funeral practices vary among cultures and religions.

Most funeral service workers attend to the administrative aspects of a person's death, including submitting papers to state officials to receive a death certificate. They also may help resolve insurance claims, apply for funeral benefits, or notify the Social Security Administration or the U.S. Department of Veterans Affairs of the death.

Many funeral service workers help clients who wish to plan their own funerals in advance, to ensure that their needs are met and to ease the planning burden on surviving family members.

Funeral service workers also may provide information and resources, such as support groups, to help grieving friends and family.

The following are examples of types of funeral service workers:

Funeral home managers oversee the general operations of a funeral home business. They perform a variety of duties, such as planning and allocating the resources of the funeral home, managing staff, and handling marketing and public relations.

Morticians and funeral arrangers (also known as funeral directors or, historically, undertakers) plan the details of a funeral. They often prepare obituaries and arrange for pallbearers and clergy services. If a burial is chosen, they schedule the opening and closing of a grave with a representative of the cemetery. If cremation is chosen, they coordinate the process with the crematory. (Data covering workers who perform cremations are provided in a separate occupation not covered in detail: crematory operators.)

Morticians and funeral arrangers also prepare the sites of all services and provide transportation for the deceased and mourners. In addition, they arrange the shipment of bodies out of state or out of country for final disposition. (Data covering workers who may assist with these tasks are provided in a separate occupation not covered in detail: funeral attendant.)

Finally, these workers handle administrative duties. For example, they often apply for the transfer of any pensions, insurance policies, or annuities on behalf of survivors.

Many morticians and funeral arrangers embalm bodies. Embalming is a cosmetic and temporary preservative process through which the body is prepared for a viewing by family and friends of the deceased. (Data covering those who specialize in this work are provided in a separate occupation not covered in detail: embalmers.)

Funeral home managers held about 40,700 jobs in 2021. The largest employers of funeral home managers were as follows:

Self-employed workers

67%

Death care services

31

Morticians, undertakers, and funeral arrangers held about 27,400 jobs in 2021. The largest employers of morticians, undertakers, and funeral arrangers were as follows:

Death care services

90%

Self-employed workers

8

Funeral services traditionally take place in a house of worship, in a funeral home, or at a gravesite or crematory. However, some families prefer to hold the service in their home or in a social center.

Funeral service workers typically perform their duties in a funeral home. Workers also may operate a merchandise display room, crematory, or cemetery, which may be on the funeral home premises. The work is often stressful, because workers must arrange the various details of a funeral within 24 to 72 hours of a death. In addition, they may be responsible for managing multiple funerals on the same day.

Although workers may come into contact with bodies that have contagious diseases, the work is not dangerous if proper safety and health regulations are followed. Those working in crematories are exposed to high temperatures and must wear appropriate protective clothing.

Work Schedules

Most funeral service workers are employed full time, and some work more than 40 hours per week. They are often on call; irregular hours, including evenings and weekends, are common.

How to Become a Funeral Service Worker About this section

An associate's degree in a funeral service or mortuary science education program is the education typically required to become a funeral service worker. Most employers require applicants to be 21 years old, have at least 2 years of formal postsecondary education, have supervised training, and pass a state licensing exam.

Education

An associate's degree in a funeral service or mortuary science education program is typically required for all funeral service workers to enter the occupation. Courses usually cover topics such as ethics, grief counseling, funeral service, and business law. Accredited programs also include courses in embalming and restorative techniques.

The American Board of Funeral Service Education (ABFSE) accredits funeral service and mortuary science programs, most of which offer a 2-year associate's degree at community colleges. Some programs offer a bachelor's degree.

Although an associate's degree is typically required, some employers prefer applicants to have a bachelor's degree. Common fields of degree include mortuary science, psychology, and business.

High school students can prepare to become a funeral service worker by taking classes in biology, chemistry, business, and public speaking.

Students may gain relevant experience working part-time or summer jobs in a funeral home.

Training

Those studying to be morticians and funeral arrangers must complete training, usually lasting 1 to 3 years, under the direction of a licensed funeral director or manager. The training, sometimes called an internship or an apprenticeship, may be completed before, during, or after graduating from a funeral service or mortuary science program and passing a national board exam.

Licenses, Certifications, and Registrations

Most states and Washington, DC, require workers to be licensed. An exception is Colorado, which offers a voluntary certification program. Although licensing laws and examinations vary by state, most applicants must meet the following criteria:

Be 21 years old

Complete an ABFSE accredited funeral service or mortuary science education program

Pass a state and/or national board exam

Serve an internship lasting 1 to 3 years

Working in multiple states requires multiple licenses. For specific requirements, contact each applicable state licensing board.

Most states require funeral directors to earn continuing education credits to keep their licenses.

The Cremation Association of North America (CANA), International Cemetery, Cremation and Funeral Association (ICCFA), and the National Funeral Directors Association (NFDA) offer crematory certification designations. Many states require certification for those who will perform cremations. For specific requirements, contact your state board or the relevant professional organizations.

Work Experience in a Related Occupation

Funeral home managers typically have multiple years of experience working as a funeral director or mortician before becoming managers.

Important Qualities

Business skills. Knowledge of financial statements and the ability to run a funeral home efficiently and profitably are important for funeral directors and managers.

Compassion. Death is a delicate and emotional matter. Funeral service workers must be able to treat clients with care and sympathy in their time of loss.

Interpersonal skills. Funeral service workers should have good interpersonal skills. When speaking with families, for example, they must be tactful and able to explain and discuss all matters about services provided.

Time-management skills. Funeral service workers must be able to handle numerous tasks for multiple customers, often over a short timeframe.

Median annual wages, May 2021

The median annual wage for funeral home managers was $74,000 in May 2021. The median wage is the wage at which half the workers in an occupation earned more than that amount and half earned less. The lowest 10 percent earned less than $42,260, and the highest 10 percent earned more than $135,660.

The median annual wage for morticians, undertakers, and funeral arrangers was $48,950 in May 2021. The lowest 10 percent earned less than $29,640, and the highest 10 percent earned more than $83,550.

In May 2021, the median annual wages for funeral home managers in the top industries in which they worked were as follows:

Death care services

$73,930

In May 2021, the median annual wages for morticians, undertakers, and funeral arrangers in the top industries in which they worked were as follows:

Death care services

$48,830

Most funeral service workers are employed full time, and some work more than 40 hours per week. They are often on call; irregular hours, including evenings and weekends are common.

Overall employment of funeral service workers is projected to grow 8 percent from 2021 to 2031, faster than the average for all occupations.

About 7,900 openings for funeral service workers are projected each year, on average, over the decade. Many of those openings are expected to result from the need to replace workers who transfer to different occupations or exit the labor force, such as to retire.

Employment

Funeral service workers will be needed to assist the growing number of people prearranging end-of-life services. This demand will be constrained by consumers increasingly preferring cremation, which costs less and requires fewer workers than do traditional funeral arrangements. However, since most cremations still involve a memorial service or funeral, funeral home managers are expected to be needed to guide families and loved ones through the death care process and to plan end-of-life events.

Occupational Title

SOC Code

Employment, 2021

Projected Employment, 2031

Change, 2021-31

Employment by Industry

Percent

Numeric

Funeral service workers

-

68,100

73,400

8

5,300

-

Funeral home managers

11-9171

40,700

43,500

7

2,800
Get data

Morticians, undertakers, and funeral arrangers

39-4031

27,400

29,900

9

2,500
Get data

Occupational Employment and Wage Statistics (OEWS)

The Occupational Employment and Wage Statistics (OEWS) program produces employment and wage estimates annually for over 800 occupations. These estimates are available for the nation as a whole, for individual states, and for metropolitan and nonmetropolitan areas. The link(s) below go to OEWS data maps for employment and wages by state and area.

Projections Central

Occupational employment projections are developed for all states by Labor Market Information (LMI) or individual state Employment Projections offices. All state projections data are available at www.projectionscentral.org. Information on this site allows projected employment growth for an occupation to be compared among states or to be compared within one state. In addition, states may produce projections for areas; there are links to each state's websites where these data may be retrieved.

CareerOneStop

CareerOneStop includes hundreds of occupational profiles with data available by state and metro area. There are links in the left-hand side menu to compare occupational employment by state and occupational wages by local area or metro area. There is also a salary info tool to search for wages by zip code.

For more information about funeral service workers, including accredited mortuary science programs, visit
National Funeral Directors Association
For scholarships and educational programs in funeral service and mortuary science, visit
American Board of Funeral Service Education National Funeral Directors & Morticians Association, Inc.
For information about crematories, visit
Cremation Association of North America International Cemetery, Cremation and Funeral Association
Candidates should contact their state board for specific licensing requirements.

O*NET
Funeral Home Managers Morticians, Undertakers, and Funeral Arrangers

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Video transcript available at https://www.youtube.com/watch?v=c-IcbRa6Bqc. Funeral service workers organize and manage the details of a ceremony honoring a deceased person. Funeral service workers are employed in funeral homes and crematories. They are often on call; irregular hours, including evenings and weekends, are common. Most work full time, and some work more than 40 hours per week.

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Part 1: What is the earning potential for my future career? 

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Part 1: What is the earning potential for my future career? 

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On average, in Colorado, I would be making about $4,594/month. It's not great, but I could probably manage to live on it. The average yearly salary is around $55,130.

https://www.ziprecruiter.com/Salaries/Embalmer-Salary--in-Colorado

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Part 1: What education do I need to be a mortuary embalmer?

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Part 1: What education do I need to be a mortuary embalmer?

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Well, under the guidance of someone already versed in the practice, I could start performing SOME responsibilities of most people in the mortuary field. In this case, colorado doesn't require any prior education. However, federally, it's preferred I have an associate's degree. It is also good to have an apprenticeship and license, which one can get at around 18 years of age, with a clean history.

https://www.cofda.org/site_page.cfm?pk_association_webpage_menu=7039&pk_association_webpage=14163#:~:text=The%20State%20of%20Colorado%20does,enter%20the%20funeral%20service%20profession

https://www.indeed.com/career-advice/finding-a-job/how-to-become-embalmer

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The State of Colorado does not require prior education or experience to enter the funeral service profession. An individual may acquire on-the-job training in funeral directing, embalming and/or cremation under the supervision of an experienced funeral professional at a licensed funeral establishmen…

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I have decided to stay in Colorado. One of the best mortuary science programs is in Colorado. The Arapahoe Community College. It is located in Littleton Colorado. It's about 2 years to get an associate's degree.

I got my information from the 12-page Arapahoe Community College Mortuary Science Program Information Guide

The tuition is estimated to be around $4080. If we consider that half my tuition is covered by scholarships and I have an interest of 6% I would be paying $39.44 for five years.

https://www.bankrate.com/loans/student-loans/student-loan-calculator/

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What you need to know for this calculator

To use the calculator above, you'll need certain details about your loan.

Loan amount

Loan amounts vary depending on whether you're exploring a federal or private student loan. The loan amount you're offered might also be limited based on your academic year (freshman, sophomore, etc.), level of education (undergraduate, graduate or professional), dependency status and degree.

Federal student loan amounts

Undergraduate students:

Direct Subsidized Loans: Up to $5,500 annually.

Direct Unsubsidized Loans: Up to $12,500 annually.

Graduate students:

Direct Unsubsidized Loans: Up to $20,500 annually.

Direct PLUS Loans: Up to the school's reported cost of attendance, minus other financial aid received.

Parents of dependent undergraduate students:

Parent PLUS loans: Up to the school's reported cost of attendance, minus other financial aid received.

Private student loan amounts

Loan amounts for private student loans vary by lender. Each lender also sets its own borrowing criteria, interest rates and repayment terms. In general, private student loan lenders offer loan amounts that cover the gap between a school's cost of attendance and any other financial aid a student receives. Some lenders also impose lifetime borrowing limits, which may be up to $150,000 or more, depending on your degree. Regardless of whether you borrow federal or private student loans, borrow only the amount you need per school year after exhausting all grant and scholarship options. If you must take out loans to finance educational gaps, consider maximizing federal student loan limits before turning to a private student loan, as federal student loans come with additional benefits like income-driven repayment plans and forgiveness programs.

Loan term

Your loan term is the amount of time you have to repay the loan in full. For federal student loans under a standard repayment plan, the default loan term is 10 years. However, student loans that are under an alternative payment plan offer terms from 10 to 25 years. Like private student loan amounts, private student loan repayment terms vary by lender. Terms for private student loans can be as short as five years and as long as 20 years. A shorter loan term can help you save more money on interest charges during your repayment period but result in a larger monthly payment. Some lenders offer lower interest rates as an incentive for a short term length. On the flip side, a longer term for your student loans will lower your monthly payment but will accumulate more interest charges over time. Before borrowing student loans, make sure you know all of the term options your lender offers so you can choose the right path for your financial needs.

Interest rate

The interest rate you're offered depends on the type of lender you're pursuing and your financial picture. Federal student loans come with fixed rates and offer the same interest rate to all borrowers, regardless of credit score or income. Private student loans, on the other hand, will often do a credit check and set interest rates according to your creditworthiness. The higher your credit score, the lower your interest rates. Keep in mind that the lowest interest rates advertised on lender websites may not be available to you. To find out what interest rates you'll receive, take advantage of lenders' pre-qualification features, if available. Pre-qualification allows you to input basic details about yourself and your desired loan in exchange for a snapshot of the rates and terms offered.

Additional factors to consider when calculating student loan interest

When calculating your student loan interest, keep in mind that there are a few other key factors at play:

Fixed vs. variable rates. Unlike federal student loans, which offer only fixed interest rates, some private lenders offer fixed or variable student loan interest rates. A fixed rate won't change during your loan term, but variable rates can decrease or increase based on market conditions.

Term length. How short or long your student loan term is dramatically changes how much total interest you'll pay. In addition to calculating your total interest paid, the student loan calculator above shows you how much of your monthly payment goes toward interest; to see this view, click on "show amortization schedule."

Credit score. Private student loans require a credit check. The stronger your credit, the more likely you'll be offered competitive, low interest rates. Borrowers shopping for bad credit student loans might be approved at a higher interest rate, which means more money spent on interest charges overall.

What's next?

Students who need to borrow a student loan for the upcoming school year should always compare a handful of loan options. Examine interest rates, repayment terms and borrower perks between various lenders before making a decision.

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Using Bankrate’s student loan calculator can help you create a student loan repayment strategy that’s right for you.

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After college, there are current job openings around Littleton. Here's one of the embalming ones.

https://www.indeed.com/jobs?q=Mortuary&l=Littleton%2C+CO+80122&radius=15&vjk=23b8ce7be5defcec&advn=3589485416104922

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I'll probably be a mortuary apprentice at the time so I can gain so experience when I start off. They make about $27.35 per hour. I'll stay at this job part-time during school, hopefully. My plan is to live mostly "off the grid". This means water collection tanks, solar power, mostly home-farmed foods, and wood fires to cut down on bills. However, the initial cost of some of these things is expensive.

https://www.salaryexpert.com/salary/job/funeral-director-apprentice/united-states/colorado

Here are some current job options in the area.

https://www.indeed.com/q-Mortuary-l-Littleton,-CO-80122-jobs.html?vjk=b4b146dbebd1c90c&advn=4491716366049698

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My gross income before taxes would be about $2,297. After taxes my income that I could take home would be about $1,668.

https://smartasset.com/taxes/paycheck-calculator#7bryY3r8YY

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Photo credit: ©iStock.com/RyanJLane

Federal Paycheck Quick Facts
How Your Paycheck Works: Income Tax Withholding

When you start a new job or get a raise, you'll agree to either an hourly wage or an annual salary. But calculating your weekly take-home pay isn't a simple matter of multiplying your hourly wage by the number of hours you'll work each week, or dividing your annual salary by 52. That's because your employer withholds taxes from each paycheck, lowering your overall pay. Because of the numerous taxes withheld and the differing rates, it can be tough to figure out how much you'll take home. That's where our paycheck calculator comes in.

Tax withholding is the money that comes out of your paycheck in order to pay taxes, with the biggest one being income taxes. The federal government collects your income tax payments gradually throughout the year by taking directly from each of your paychecks. It's your employer's responsibility to withhold this money based on the information you provide in your Form W-4. You have to fill out this form and submit it to your employer whenever you start a new job, but you may also need to re-submit it after a major life change, like a marriage.

If you do make any changes, your employer has to update your paychecks to reflect those changes. Most people working for a U.S. employer have federal income taxes withheld from their paychecks, but some people are exempt. To be exempt, you must meet both of the following criteria:

1. In the previous tax year, you received a refund of all federal income tax withheld from your paycheck because you had zero tax liability.

2. This year, you expect to receive a refund of all federal income tax withheld because you expect to have zero tax liability again. If you think you qualify for this exemption, you can indicate this on your W-4 Form.

Federal Top Income Tax Rate

When it comes to tax withholdings, employees face a trade-off between bigger paychecks and a smaller tax bill. It's important to note that while past versions of the W-4 allowed you to claim allowances, the current version doesn't. Additionally, it removes the option to claim personal and/or dependency exemptions. Instead, filers are required to enter annual dollar amounts for things such as total annual taxable wages, non-wage income and itemized and other deductions. The new version also includes a five-step process for indicating additional income, entering dollar amounts, claiming dependents and entering personal information.

One way to manage your tax bill is by adjusting your withholdings. The downside to maximizing each paycheck is that you might end up with a bigger tax bill if, come April, you haven't had enough withheld to cover your tax liability for the year. That would mean that instead of getting a tax refund, you would owe money.

If the idea of a big one-off bill from the IRS scares you, then you can err on the side of caution and adjust your withholding. Each of your paychecks may be smaller, but you're more likely to get a tax refund and less likely to have tax liability when you fill out your tax return.

Of course, if you opt for more withholding and a bigger refund, you're effectively giving the government a loan of the extra money that's withheld from each paycheck. If you opt for less withholding you could use the extra money from your paychecks throughout the year and actually make money on it, such as through investing or putting it in a high-interest savings account. You could also use that extra money to make extra payments on loans or other debt.

When you fill out your W-4, there are worksheets that will walk you through withholdings based on your marital status, the number of children you have, the number of jobs you have, your filing status, whether someone else claims you as your dependent, whether you plan to itemize your tax deductions and whether you plan to claim certain tax credits. You can also fine-tune your tax withholding by requesting a certain dollar amount of additional withholding from each paycheck on your W-4.

A financial advisor can help you understand how taxes fit into your overall financial goals. SmartAsset's free tool matches you with up to three vetted financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you're ready to find an advisor who can help you achieve your financial goals, get started now.

How Your Paycheck Works: FICA Withholding

In addition to income tax withholding, the other main federal component of your paycheck withholding is for FICA taxes. FICA stands for the Federal Insurance Contributions Act. Your FICA taxes are your contribution to the Social Security and Medicare programs that you'll have access to when you're a senior. It's your way of paying into the system.

FICA contributions are shared between the employee and the employer. 6.2% of each of your paychecks is withheld for Social Security taxes and your employer contributes a further 6.2%. However, the 6.2% that you pay only applies to income up to the Social Security tax cap, which for 2022 is $147,000 ($160,200 for 2023). So any income you earn above that cap doesn't have Social Security taxes withheld from it. It will still have Medicare taxes withheld, though.

There is no income limit on Medicare taxes. 1.45% of each of your paychecks is withheld for Medicare taxes and your employer contributes another 1.45%. If you make more than a certain amount, you'll be on the hook for an extra 0.9% in Medicare taxes. Here's a breakdown of these amounts for tax year 2022, which is filed in 2023:

$200,000 for single filers, heads of household and qualifying widow(er)s with dependent children

$250,000 for married taxpayers filing jointly

$125,000 for married taxpayers filing separately

2022 - 2023 Income Tax Brackets

If you work for yourself, you need to pay the self-employment tax, which is equal to both the employee and employer portions of the FICA taxes (15.3% total). Luckily, when you file your taxes, there is a deduction that allows you to deduct the half of the FICA taxes that your employer would typically pay. The result is that the FICA taxes you pay are still only 6.2% for Social Security and 1.45% for Medicare.

How Your Paycheck Works: Deductions

Federal income tax and FICA tax withholding are mandatory, so there's no way around them unless your earnings are very low. However, they're not the only factors that count when calculating your paycheck. There are also deductions to consider.

For example, if you pay any amount toward your employer-sponsored health insurance coverage, that amount is deducted from your paycheck. When you enroll in your company's health plan, you can see the amount that is deducted from each paycheck. If you elect to contribute to a Health Savings Account (HSA) or Flexible Spending Account (FSA) to help with medical expenses, those contributions are deducted from your paychecks too.

Also deducted from your paychecks are any pre-tax retirement contributions you make. These are contributions that you make before any taxes are withheld from your paycheck. The most common pre-tax contributions are for retirement accounts such as a 401(k) or 403(b). So if you elect to save 10% of your income in your company's 401(k) plan, 10% of your pay will come out of each paycheck. If you increase your contributions, your paychecks will get smaller. However, making pre-tax contributions will also decrease the amount of your pay that is subject to income tax. The money also grows tax-free so that you only pay income tax when you withdraw it, at which point it has (hopefully) grown substantially.

Some deductions from your paycheck are made post-tax. These include Roth 401(k) contributions. The money for these accounts comes out of your wages after income tax has already been applied. The reason to use one of these accounts instead of an account taking pre-tax money is that the money in a Roth IRA or Roth 401(k) grows tax-free and you don't have to pay income taxes when you withdraw it (since you already paid taxes on the money when it went in). If you are early in your career or expect your income level to be higher in the future, this kind of account could save you on taxes in the long run.

How Your Paycheck Works: Pay Frequency

Some people get monthly paychecks (12 per year), while some are paid twice a month on set dates (24 paychecks per year) and others are paid bi-weekly (26 paychecks per year). The frequency of your paychecks will affect their size. The more paychecks you get each year, the smaller each paycheck is, assuming the same salary.

How Your Paycheck Works: Local Factors

If you live in a state or city with income taxes, those taxes will also affect your take-home pay. Just like with your federal income taxes, your employer will withhold part of each of your paychecks to cover state and local taxes.

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Free Paycheck Calculator: Hourly & Salary Take Home After Taxes

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Federal Paycheck Quick Facts When you start a new job or get a raise, you'll agree to either an hourly wage or an annual salary. But calculating your weekly take-home pay isn't a simple matter of multiplying your hourly wage by the number of hours you'll work each week, or dividing your annual salary by 52.

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Part 3: What kind of housing where I want to live?

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Part 3: What kind of housing where I want to live?

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Here is my #1 choice of current land for sale. It will be costly and take work to transform into something self-sufficient. It is a plot of land that is 2.7 acres and $100,000.

https://www.realtor.com/realestateandhomes-detail/Hondah-Rd_Littleton_CO_80127_M95074-21735

This means I'll probably have to live in a camper. Here's one for $138 dollars a month.

It's more or less roomy, for an RV, a queen-sized bed area, and a bathroom. The bathroom includes a small shower. They also home-deliver, but it'd probably be cheaper just to pick it up.

https://rv.campingworld.com/rvdetails/new-travel-trailer-rvs/2023-coleman-coleman-lantern-lt-17b-bunkhouse-10k-KC12201019

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Hondah Rd, Littleton, CO 80127 | realtor.com®

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Hondah Rd, Littleton, CO 80127 is for sale. View 8 photos of this 2.7 acre lot land with a list price of $100000.

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Part 3: What are some of the costs that still apply to living "off-grid"?

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Part 3: What are some of the costs that still apply to living "off-grid"?

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If I were to take out a loan for this property, which I probably will need to do, including property tax and home insurance, my monthly payment would come out to around $669/month. Unless I save with this job for 2 years with no other costs, I could pay it off in full.

https://www.realtor.com/realestateandhomes-detail/Hondah-Rd_Littleton_CO_80127_M95074-21735

Solar costs about $18,000 to install, but there is also about a 30% tax break which is much cheaper in the long run. I would also take out a loan for it. If I were to pay it off over 5 years I would pay $356.42 a month.

https://www.nerdwallet.com/article/finance/solar-panel-cost

Buying a rainwater collection system will be pricey at about $3,000. This will also bring the costs of my future bills down. I won't have to worry as much about water.

https://www.fixr.com/costs/rainwater-collection-system

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Hondah Rd, Littleton, CO 80127 | realtor.com®

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Hondah Rd, Littleton, CO 80127 is for sale. View 8 photos of this 2.7 acre lot land with a list price of $100000.

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Caring for any animals I may own and my future acres can be costly.
Buying chickens usually won't cost more than 5 dollars. I could easily afford 12.

https://www.chickensforbackyards.com/product/buff-orpington/

Feeding them is another story. A fifty-pound bag of food would last 12 chickens for about 3 days. This bag would cost around 18 dollars per bag. That means it would cost about $180 per month to feed the chickens.

https://www.tractorsupply.com/tsc/product/producers-pride-scratch-grain-50-lb

Goats! Goats can be very profitable but require a lot of work. They also cost a considerable amount. Goats are relatively easy to feed as long as you keep in mind what they can't have. They mostly graze so a few acres would be fine for basic feeding during the summer. During the winter it'll cost about $50 to supplement them with some basic feed. I should expect to pay about $800 for two goats.

https://www.amazon.com/dp/B08ZYRH1QX?ref=myi_title_dp

I can put in a budget for about $200 for a decent enclosed.

Having a herding dog and barn cats would be helpful. Barn cats usually have around a $90 adoption fee and would cost around $365 a year to care for. I would like an Icelandic Sheepdog for its helpfulness. Adopting one is pricey at around $1000 and care would be about $672 a year.

https://www.aspcapetinsurance.com/resources/cat-ownership-cost/

However, it'll be worth it to know that the property will be protected from any unwanted pests.

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Buff Orpington chickens first originated in Orpington, England back in the late 1800s, which is how the Buff Orpington breed got its majestic-sounding name. Since then, Buff Orpington chickens have elevated into one of the most popular chicken breeds to raise as pets. They are easily distinguishable by their tan, fluffy feathers. People often make the mistake of assuming that they are much larger than they are because of their plumage. It's their feathers that also allow Buff Orpington chickens to be hardy enough survive in almost any climate

One of the reasons Buff Orpington chickens have become popular as pets are because they are known for being both docile and gentle. If you have kids and plan to have them care for your chickens alongside you, choosing to raise Buff Orpington chicks would be ideal, as they are excellent with children. They are also heavy birds that are unable to fly, which makes them even easier to raise, and gives you the option to raise them in a chicken run or free-range in your yard.

Buff Orpington chickens are considered a good breed for egg-laying. Once your chicks reach maturity, they will eventually lay roughly 200-280 brown eggs per year, which will undoubtedly be enough to supply your family well into the winter season.
Live Chick Guarantee
We guarantee your ordered number of birds arrive healthy and true to breed. Please contact us immediately should any losses or variances to your order occur, this guarantee is only for the safe and live delivery of your poultry. Any loss must be reported to Chickens for Backyards within 3 days of receipt for any adjustment to be made.Reshipments are subject to availability and minimum shipping requirements. If eligible, we will reship only once. Reimbursements are limited to the cost of the birds and will not include shipping charges.
Click here to learn more about shipping baby chicks and Marek's vaccination
Availability

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Buff Orpington chickens first originated in Orpington, England back in the late 1800s, which is how the Buff Orpington breed got its majestic-sounding name. Since then, Buff Orpington chickens have elevated into one of the most popular chicken breeds to raise as pets. They are easily distinguishable by their tan, fluffy feathers.

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Part 4: What do I need to know about owning a car?

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Part 4: What do I need to know about owning a car?

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I would like the 2023 Honda Ridgeline. At most, this car costs $46,230. I would most likely take out a loan for this. I say at most because there's always some extra cost for some reason or another. Calculating an interest rate of around 3% and a loan term of about 60 months, I'd be paying about $831 a month. If I had a loan term of 72 months it would be somewhere around $702.

I would most definitely live paycheck to paycheck for the next 5 years at least because of everything here.

https://www.bankrate.com/loans/auto-loans/auto-loan-calculator/

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Part 4: I'm pretty a motorcycle fits in the car category, so how's that gonna work out? 

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Part 4: I'm pretty a motorcycle fits in the car category, so how's that gonna work out? 

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This one is $8,259. It's pretty cool.

https://www.cycletrader.com/listing/2023-Cfmoto-700CL-X+Sport-5025760438

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Part 4: Would I want motorcycle insurance?

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Part 4: Would I want motorcycle insurance?

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Allstate says it'll be about $102.

https://purchase.allstate.com/onlineshopping/quotes/summary

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Still experiencing issues? Call us anytime at 1-800-ALLSTATE or contact a local advisor to receive a quote.

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Online Insurance Quoting and Bundling - Allstate Insurance

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Get a personalized online insurance quote and be sure to explore Allstate's unique bundling options that can lead to additional savings!

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The short answer is, probably not. But if we pretend I could then it would cost about $168.81/month with eye and dental plus a deductible of around $9100.

https://www.ehealthinsurance.com/cart/v2?adobe_mc_sdid=SDID%3D10A711153E1A886F-1A9C48C5E63BF461%7CMCORGID%3DA821776A5245B31A0A490D44%40AdobeOrg%7CTS%3D1683576316&adobe_mc_ref=https%3A%2F%2Fwww.ehealthinsurance.com%2F

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Part 6: How's all this budgeting gonna look?

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Part 6: How's all this budgeting gonna look?

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Here's my accounting ledger for the first month. ONLY 254 dollars in debt. The profit I gain from selling the animals product would bring me out of debt over time, but it don't be looking so good because of all the first time purchases.

https://docs.google.com/document/d/1jvwlV6zv3jFm7IGLd8Kf8Z_i28ZNfsugX_MhUktVuPU/edit

There's the linky