What is a "Lottery Ticket Job" and where do you find one?
Lottery ticket jobs are EVERY WHERE and available to most EVERYONE. Don't laugh and say that is simply not so.
First off, a lottery ticket job is not one that pays enough to retire after a year or two. It is a job that usually pays a little more than the normal job in your area, with health insurance at a reasonable price, and maybe a 401k with some form of match (FREE MONEY). Should that job have a retirement plan, then you have really hit a lottery ticket job.
Go to work every day and contribute to the 401k and before you know it you can retire with enough income to replace your "take home pay" from work. For a working type man, it doesn't get any better than that.
With the job paying a little more than the norm in your area, you can pay health care, contribute to a 401k and still take home as much as your present job. Now that is a "lottery ticket job".
The job doesn't have a 401k, then open a Roth Ira (open one even if your job has a 401k). Your future will be taken care of. A Roth Ira is a terrific vehicle to save for retirement. "Goggle" it to learn more but a simple answer is:
All monies and any profits they earn can be withdrawn "tax free" at age 59 1/2. Any contribution that has been in the account (but not any profit on them) for five years or more can be withdrawn tax free.
You need to earn a living so why not get a "lottery ticket job" and earn your retirement at the same time.
Even small towns have these jobs, sometimes towns of 2500 or less but 10,000 or more and there will be multiple employers. Just remember you are looking for a "job" and not a position. Most national companies have these jobs and they are in your town.
Don't laugh they are there. Maybe not large manufacturing plants but did you consider a company owned Napa Auto Parts Store, Dollar Store, KFC, Kroger, or even a locally owned small plant or business.
Don't want to work until retirement then at leave any 401k monies in place and earning until you do retire. Work at a lottery ticket job for 5 years when you are young and you will have a much better retirement than you would have had.
"How much does it pay" is not the important question but "what benefits does it have". A quality company takes care of its employees and are hiring.
If you do not do well in live, don't blame anyone but yourself !