--- title: How You Can Still Go Bankrupt Earning $80 Bucks an Hour [Calculator] description: How 1 Million Dollar Recruiter Skipped the Homework & Skipped the Sale or How You can Still Go Bankrupt Earning $80 Bucks per Hour. The Grenade Rate. image: https://www.sapbwconsulting.com/hubfs/Consulting%20Rate%20Calculator/Case%20Study%204%20cash%20flow%20063017(1).png --- ![Consulting Rate Calculator](https://www.sapbwconsulting.com/hubfs/Consulting%20Rate%20Calculator/Case%20Study%204%20cash%20flow%20063017(1).png) # How You Can Still Go Bankrupt Earning $80 Bucks an Hour [Calculator] Table of Contents ## **How 1 Million Dollar Recruiter Skips the Homework, and Skips the [Sale](https://www.sapbwconsulting.com/blog/how-to-use-sap-bw-to-prevent-retail-losses)** **or** ### **How You can Still Go Bankrupt Earning $80 Bucks an Hour**   ## PART 2: [Financial Analysis](https://www.sapbwconsulting.com/blog/senior-executives-use-strategic-analysis-to-create-shareholder-value) and Conclusions ### [Consulting Rate Calculator](https://www.sapbwconsulting.com/consulting-rate-calculator-whats-your-rate): Use Case #2 [continued] (all-inclusive rate) scenario ## [READ PART I: Business Case and Discussion](https://www.sapbwconsulting.com/blog/how-1-million-dollar-recruiter-skips-the-homework-and-skips-the-sale) **TESTIMONIAL 1**: "This is the ideal, best practice employed by leading consultancies." **TESTIMONIAL 2**: "The rate calculator tool was awesome!!! " I’ve consulted and I’ve recruited. I know what goes on and how both sides work. I know how the consultant makes money and I know how the recruiter makes money and I know how both sides lose money.   **[![FREE Consulting Rate Calculator](https://no-cache.hubspot.com/cta/default/118735/71be0dbe-5150-494e-9ad9-e0051bc88ab0.png)](https://cta-redirect.hubspot.com/cta/redirect/118735/71be0dbe-5150-494e-9ad9-e0051bc88ab0)**   **This is another real example of how our Consulting Rate Calculator was used in a live Linkedin discussion to avoid [consultant](https://www.sapbwconsulting.com/blog/inbound-marketing/what-do-sap-consultancies-do) Bankruptcy even at $80 bucks per hour.** ## **Get Job Analysis Results in just 7 seconds.**   ### **First the Case Study Background.** #### **Via LinkedIn Discussion** ** ** **Blanket Job Description sent to List of Potential Candidates by Technical Recruiter Manager** ** ** ### **Technical Recruiter Manager ** Hi, We have an Opportunity for a Business Objects developer in New Orleans, LA with our Client for a very long term contract position. Please let me know if you are interested and available. 9:50 AM [![Turn Job Descriptions into Revenue Gold](https://www.sapbwconsulting.com/hs-fs/hubfs/Consulting%20Rate%20Calculator/Turn%20Something%20like%20this%20into%20something%20like%20this%20053117(7).png?width=669&name=Turn%20Something%20like%20this%20into%20something%20like%20this%20053117(7).png "Turn Job Descriptions into Revenue Gold")](https://www.sapbwconsulting.com/consulting-calculator-job-offer-career-decision-analyzer-q1) ### **Candidate** Concerning the Business Objects Developer Job in New Orleans, LA  I have your [cost](https://www.sapbwconsulting.com/fully-loaded-cost-calculator) study Results! ## Breakeven Analysis of the Numbers Provided   The **breakeven rate** on expenses is $**196**/hr. You are offering only $**80**/hr. You are offering an unrealistically low rate I think. $**196**/hr does not include any [profit](https://www.sapbwconsulting.com/blog/9-little-known-factors-that-could-affect-your-profitability) for the Business Objects Developer person. So to be a good offer, you need to offer more than $**196**/hr like maybe $**266-296**/hr range. ## Job Cost Analysis As you can see from the Job cost analysis cash flow statements below, at $**80**/hr, after **just 5 months**,** I will be totally [bankrupt](https://www.sapbwconsulting.com/find-talent-sap-certified-consultants)** having burned through $**50,000** of my cash savings that I started with. The job is **not profitable from day1** however and [the person who takes this job](https://www.sapbwconsulting.com/blog/inbound-marketing/speaking-at-the-fame-and-profit-summit-2022) at $**80** **will only lose money** and be unhappy. ## Job Is Not Financially Viable I also looked at all your candidate possibilities from all over America, *(if you don't hire me, is there anyone you can hire at your rate?)* **your best candidate** with the lowest travel expenses **will go totally bankrupt at month 7** if the rate is $**80** if they start with $**50,000** cash savings in the bank. ## Cash Out > Cash In Cash out simply far exceeds cash in every month. **It starts out as a deep hole. It only gets deeper the longer the project goes on.** ## **Your job offer of $80/hr is Not a good job offer.** **Here are the numbers taken for the cost analysis study. Just plug these into the rate calculator and you will get the same result as I did. No magic. Nothing hidden. No secrets.** Taken fresh from Orbitz.com today. Costing is middle of the road case analysis. You may get a better deal, but you may not. Plan on worst case. I chose the middle of the road expense rate. Not the lowest, not the highest. But somewhere in the middle because I felt there were enough choices in the middle to get lucky on those. ### **Scenario** **Traveling**: Sunday to Friday (6 days) to onsite. Non-local for me. It's out of town and I have to travel to it each week. **Daily rates**. Use 20 days per month for the analysis. 160 hours per month.   **Hotel in New Orleans**- $88-$162, $118 X6 = 708 x4 = $ 2832 **Rental Car in New Orleans** - $30-64, $36, x6 = 216 x4 = $864   **Airfare**: To New Orleans from these end points. Looks at all possible candidate's cost situation. HSV to New Orleans (MSY) - $613 - 1112, $616, x4 = $2464 Dallas, DFW = $122-403, $204, x4 = $816  <- **this person with lowest cost also loses money**. San Diego, SAN = $313-$516, $516, X4 = $2064 Los Angeles, LAX - $235-751, $385.74, x4 = $1544 Seattle, SEA - $356-774, $584, x4 = $2336 Minneapolis, MSP - $234-608, $403, x4 = $1612 Chicago, ORD = $205- 740, 395, x4 = $1580 Boston, BOS - $273-655, 490, x4 = $1960 New York, NYC - $346-603, 456, x4 = $1824 Miami, MIA = $252-562, 439, x4 = $175   Doug, MBA Here are the automated consulting rate calculator results. This is the automated Email you get when you fill out the 8 sets of questions and press submit on the consulting rate calculator. ## **Explaining your** ## **Consulting Rate Calculator results:** **The Comprehensive Discussion is Below**   ![George_c_scott_as_scrooge.jpg](https://www.sapbwconsulting.com/hs-fs/hubfs/Consulting_Calculator/George_c_scott_as_scrooge.jpg?width=120&name=George_c_scott_as_scrooge.jpg "George_c_scott_as_scrooge.jpg") Scrooge attribution by Robert Doucette ## Don't let Scrooge talk you into a miserly consulting rate **Job Details:** | **Hi:** Doug Ayers |   | **Email**:doug.ayers@sapbwconsulting.com |   | **Phone:** 1-256-665-7500 |   | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | |  I live here:Huntsville AL |   |   |   |   |   |   |   | | | **Job Details:** | | | | | | | | | | **Role / Job Title: **[BOBJ Developer](https://www.sapbwconsulting.com/sap-view-consultant-profiles-resumes-and-cv) |   |   | **Job  Location: **New Orleans, LA |   |   |   |   |   | |   |   |   |   |   |   |   |   |   | | **Duration : **12 |   |   | **Rate: **$80/hr |   |   |  **Currncy: **USD |   |   | |   |   |   |   |   |   |   |   |   | | **Employment Type : **Corp-to-Corp |   |   | **Job Type :** Non-Local(onsite) |   |   | **Expenses Paid : **No |   |   | |   |   |   |   |   |   |   |   |   | | **[Recruitor](https://www.sapbwconsulting.com/consulting-calculator-q4):** |   |   | **Phone:** |   |   | **Email:** |   |   | |   |   |   |   |   |   |   |   |   |    Cash Flow Analysis now available on the online version ## **Analysis** We’re glad you’re taking the first step in getting the best rate in your new position.  When we built the [consulting rate calculator](https://www.sapbwconsulting.com/consulting-calculator-job-offer-career-decision-analyzer-q1) and wrote the [Blog explaining the results](https://www.sapbwconsulting.com/blog/consulting-calculator-what-is-an-equivalent-job-offer), we were actually building it for ourselves as SAP Consultants to help answer the one question recruiters typically lead with, which is, what is your rate? So, we looked around and found that though there are plenty of calculators that tell you what you will take home, none told you what rate you must make in order for the **job to make financial sense**. As travelling consultants with over 8 decades of combined [consulting experience](https://www.sapbwconsulting.com/sap-partner-website-ranking-inbound-marketing-benchmark-report), we have extensive documentation on the expenses you will incur as a consultant, and know that often times, consultants are being pushed to quote an all in all-inclusive rate without the information they truly need to provide an irrefutable answer to the ‘what is your rate’ question. ## **Expense Category Names + Amounts** We have also provided some [benchmark](https://www.sapbwconsulting.com/blog/inbound-marketing/how-do-sap-partner-websites-rank-benchmark-report) expense item rates from our combined decades of experience, as well as an easy mechanism to adjust the rate and expense assumptions to fit your own unique circumstances.. ### **How you might use this information.** Of course, the easiest way to use this information is to simply use it as a baseline number should you find yourself in a negotiation for an offer.  Remember, he who has the best information typically wins the negotiation. We are also always looking for talent, and you might consider sending us a [resume](https://www.mapertunity.com/), as we try to get the best acceptable rate for all parties using the power of transparent information.    [![Submit Resume](https://no-cache.hubspot.com/cta/default/118735/144450a5-77a7-48c7-a4c1-b92b39fb88fb.png)](https://cta-redirect.hubspot.com/cta/redirect/118735/144450a5-77a7-48c7-a4c1-b92b39fb88fb)   Please note, this information is not currency dependent.  For instance, if you’re from India, you can use this information to achieve better negotiated outcomes just the same as if you were in Silicon Valley.   ## **Interpreting Your** ## **Consulting Rate Calculator Results:**   You have indicated your current hourly rate is **$10** per hour and that you’re being offered a new rate of **$80** per hour in the new role, and that you would like to see a** 5%** percent increase over your current pay rate. Our Consulting Rate Calculator has determined that you must make the following minimum rate **$ 196 per hour** to breakeven on expenses. There is no profit in this number.   ## The Rate You Must Make To Take The Job   That is the bottom line answer you should be looking for in a phone negotiation, but we wanted to provide you with all the additional detailed information below that you might need to strengthen your negotiation position.  That is why we are providing the following comprehensive breakdown of your ***‘stay in place’*** job scenario as well as the financial scenario of the new job, and then we take it one step further and combine both scenarios into a combined ***Personal Profit & Loss Statement***, which is what you will experience as an actual traveling consultant. In many situations, the new job is a project based job, even when it is positioned as a W2 or permanent job, and therefore, can and should be evaluated as a project.  Given your inputs, you see that: ## Your up-front Out Of Pocket. You need: - To wait **2** months (typical) to see your first paycheck - You will need **$ 33,180** cash on hand to cover all of the expenses you will incur before you receive the first paycheck. - You will need to earn **$ 20,380** cash before you breakeven on your remaining initial expense outlays - That you will take home **$ 1,740** monthly net income or (- net loss)1 - You need to work on this project**  **months to break-even2. *1. All negative values indicate a loss* * 2. A negative break even value means you will never break even. Project duration is too short, Pay is too low, or Expenses are too high.* ### **How did we arrive at these figures?** Based on our actual consulting experience, we have provided various common expense categories with default amounts that you will need to take into account if they are relevant to your situation. We have conveniently provided a form in the online results page so that you can change the default expense assumptions to more closely fit your personal situation. ## **Local, Non-Local and Combined** ## **The Three Income and Expense Views** To properly evaluate any job offer to make a rational informed decision, it's necessary to compare income from your current in-town job (Local) to your new out-of-town job (Non-Local) that you would like to consider accepting. **LOCAL JOB INCOME and EXPENSE VIEW** **(The Current Job)** **Income** Based on your current hourly rate of **$10 **per hour, you will earn **$80 **per day, **$1,600 **per month for a total of **$19,200 **per year. ### **Local Expenses** The major local expense categories included in the analysis are: *Rent, Car Expenses, Mortgage Payments, Food, Utilities, Miscellaneous, and Income Taxes*. Your Total Monthly Local Expenses are: **$ 1540 **per month. Tax Rate: **15 %** **Total Yearly Net Income** Your Total Yearly Net Income after all expenses and taxes are deducted is: **$ 720**. *(A negative result means you will lose money)*   | LOCAL - Income Statement (Permanent Residence: Huntsville  / Alabama)  Income  USD - United States Dollar  Current Hourly Rate  10    Daily Rate  80    Monthly Rate  1600    Yearly Rate  19200  Local Expenses      Rent*  600    Car (home)  200    Mortgage  0    Food  200    Utilities  0    Miscellaneous-1  300    Health Insurance Premium  NA  Monthly Expense   1300    Tax Rate %  15    Taxes  240  Total Monthly Expense  1540    Fully Loaded Cost Rate / hr  9.63 Total Yearly Expense  18480     Total Monthly Income  60 Total Yearly Net Income  720 | | --- |   **NON-LOCAL INCOME and EXPENSE VIEW** **(The New Job Offer): (New Orleans / LA)** ### **Income** Based on your new job offer hourly rate quote of **$80 **per hour, you will earn **$640 **per day, **$12,800 **per month for a total of **$153,600 **per year. ### **Non-Local Expenses** The major non-local expense categories included in the analysis are: *Airfare, Rental Car, Hotel and/or Rent, Food, Miscellaneous, and higher Income Taxes*. Your Total Monthly Non-Local Expenses are: **$ 9760 **per month. Tax Rate:** 25 %** **Total Yearly Net Income** Your Total Yearly Net Income or (- Net Loss) after all expenses and taxes are deducted is: **$36480.** ** ** | NON-LOCAL - Income Statement (New Orleans / LA)  Income  USD - United States Dollar    New Job Rate Per Hour  80    Daily Rate  640    Monthly Rate  12800    Yearly Rate  153600  Travel Expenses      Airfare (away)  2464    Rental Car (away)  864    Hotel (away)  2832    Food (away)  200    Rent (away)  0    Miscellaneous-2  200    Health Insurance Premium  NA  Gross Expenses   6560    Expense Reimbursements  0  Net Monthly Expenses   6560    Tax Rate %  25    Taxes  3200  Total Monthly Expense  9760    Fully Loaded Cost Rate / hr  61.00 Total Yearly Expense  117120     Total Monthly Income 1  3040 Total Yearly Net Income 1 2  36480 | | --- |   **COMBINED INCOME and EXPENSE VIEW** **(Personal profit & loss statement)** The following analysis combines the expenses from the Local ( Huntsville / AL ) and Non-Local (New Orleans / LA ) scenarios, the higher income and higher tax rate. ### **Income** Based on your new job offer hourly rate quote of **$ 80 **per hour, you will earn **$ 640** per day, **$ 12800** per month for a total of **$ 153600 **per year. ### **Combined Expenses** The combined major expense categories are: - Airfare - Rental Car - Hotel - Rent - Personal Car Expenses - Mortgage Payments - Food - Utilities - Miscellaneous - Income Tax Withholdings - Health Insurance (not included in this analysis but it can be sizable) Your Total Monthly Combined Expenses are: **$11060 **per month. Tax Rate:** 25 %** **Total Yearly Net Income** Your Total Yearly Net Income or (- Net Loss) after all local and non-local expenses are combined and taxes are deducted is: **$20880**   | CONSOLIDATED - Income Statement  Income  USD - United States Dollar  New Hourly Rate  80    Daily Rate  640    Monthly Rate  12800    Yearly Rate  153600  Travel Expenses      Airfare (away)  2464    Rental Car (away)  864    Hotel (away)  2832    Food (away)  200    Rent (away)  0    Miscellaneous-2 (away)  200    Rent (home)  600    Mortgage (home)  0    Food(home)  200    Car (home)  200    Utilities (home)  0    Miscellaneous-1 (home)  300    Health Insurance Premium (home)  NA  Gross Expenses  7860   Expense Reimbursements  0  Net Monthly Expense   7860    Tax Rate %  25    Taxes  3200  Total Monthly Expenses  11060 Total Yearly Expense  132720   Fully Loaded Cost Rate / hr  69.13 Total Monthly Net Income 1  1740 Total Yearly Net Income 1  20880        Months to Break Even   Net Income Improvement  - gain/loss per month 1 2  1680 QUICK LOOK So the question is, will you be better off or worse off if you take the new job? The following Net Income Gain or Loss Amount will answer this question. A) Local Total Yearly Net Income: $ 720 B) Non-Local Total Yearly Net Income: $ 36480 C) Combined Total Yearly Net Income: $ 20880 D) Net Income Gain or (- loss) Amount if you take this new job (C-A): $ 1680 /mo E) Project Duration: 24 / F) Months to Break Even: NO BREAK EVEN   Want to modify your inputs? Just press this button below. Good Luck! And tell O'le Scrooge to take a hike!       | | --- |   ## [**Want to know how this story began? Read PART I**](https://www.sapbwconsulting.com/blog/how-1-million-dollar-recruiter-skips-the-homework-and-skips-the-sale) People Who Read This Also Read: - What Is [Shopify](https://www.sapbwconsulting.com/blog/inbound-marketing/what-is-shopify-how-do-you-use-it-to-boost-your-business) & How Do You Use It to Boost Your Business? - How Is [IT Consulting](https://www.sapbwconsulting.com/blog/how-is-it-consulting-distinct-from-sap-bw-consulting) Distinct From SAP BW Consulting? - Top 10 Benefits for Financial Analysis in the [Latest SAP EP4](https://www.sapbwconsulting.com/blog/top-10-benefits-for-financial-analysis-in-the-latest-sap-ep4)     Topics from this blog: [Consulting Rate Calculator](https://www.sapbwconsulting.com/blog/topic/consulting-rate-calculator) ### Download SAP BW Mindmap Learn what SAP Business Warehouse is and what it does in under five minutes [![Get this Mindmap](https://no-cache.hubspot.com/cta/default/118735/8db2ad37-8211-47a3-86ae-09b6b2bb297b.png)](https://cta-redirect.hubspot.com/cta/redirect/118735/8db2ad37-8211-47a3-86ae-09b6b2bb297b) [mailto:someone@yoursite.com](mailto:someone@yoursite.com) ### Doug Ayers I am an MBA, B.S. in Computer Engineering and certified PMP with over 33 years working experience in software engineering and I like to go dancing after work. I program computers, solve problems, design systems, develop algorithms, crunch numbers (STEM), Manage all kinds of interesting projects, fix the occasional robot or “thing” that’s quit working, build new businesses and develop eCommerce solutions in Shopify, SAP Hybris, Amazon and Walmart. I have been an SAP Consultant for over 10 years. I am Vice-President and Co-Founder of SAP BW Consulting, Inc. [View All Articles by Doug Ayers](https://www.sapbwconsulting.com/blog/author/doug-ayers) ## The SAP Blog Subscribe to our blog and receive SAP BW Updates, demand generation, inbound marketing, sales enablement, technology and revenue generation insights and ideas delivered right to your email. [mailto:someone@yoursite.com](mailto:someone@yoursite.com) ![SAP](https://googleads.g.doubleclick.net/pagead/viewthroughconversion/960101754/?value=0&guid=ON&script=0) ![](https://www.facebook.com/tr?id=199270410761059&ev=PageView&noscript=1) ```json { "@context" : "https://schema.org", "@id" : "https://www.sapbwconsulting.com/blog/how-you-can-still-go-bankrupt-earning-80-bucks-per-hour#blogposting", "@type" : "BlogPosting", "about" : [ { "@type" : "Thing", "name" : "Dollar", "sameAs" : "https://en.wikipedia.org/wiki/United_States_dollar" }, { "@type" : "Thing", "name" : "Recruiter", "sameAs" : "https://en.wikipedia.org/wiki/Recruitment" }, { "@type" : "Thing", "name" : "Homework", "sameAs" : "https://en.wikipedia.org/wiki/Homework" }, { "@type" : "Thing", "name" : "Bankrupt", "sameAs" : "https://en.wikipedia.org/wiki/Bankruptcy" }, { "@type" : "Thing", "name" : "Hour", "sameAs" : "https://en.wikipedia.org/wiki/Hour" }, { "@type" : "Thing", "name" : "Buck", "sameAs" : "https://en.wikipedia.org/wiki/Buck_(crater)" } ], "author" : { "@id" : "https://www.sapbwconsulting.com/about-lonnie-ayers#person" }, "description" : "This blog post discusses the financial pitfalls and risks even high earners, such as consultants earning 80 bucks per hour, may face, and how proper financial planning is essential to avoid bankruptcy.", "headline" : "How You Can Still Go Bankrupt Earning 80 Bucks Per Hour", "inLanguage" : "en", "mainEntityOfPage" : { "@id" : "https://www.sapbwconsulting.com/blog/how-you-can-still-go-bankrupt-earning-80-bucks-per-hour" }, "mentions" : [ { "@type" : "Thing", "name" : "Financial Analysis", "sameAs" : "https://en.wikipedia.org/wiki/Financial_statement_analysis" }, { "@type" : "Thing", "name" : "Case", "sameAs" : "https://en.wikipedia.org/wiki/Container" }, { "@type" : "Thing", "name" : "Employed", "sameAs" : "https://en.wikipedia.org/wiki/Employment" }, { "@type" : "Thing", "name" : "Consultancies", "sameAs" : "https://en.wikipedia.org/wiki/Consultant" }, { "@type" : "Thing", "name" : "Calculator", "sameAs" : "https://en.wikipedia.org/wiki/Calculator" }, { "@type" : "Thing", "name" : "Tool", "sameAs" : "https://en.wikipedia.org/wiki/Tool" }, { "@type" : "Thing", "name" : "Money", "sameAs" : "https://en.wikipedia.org/wiki/Money" } ], "name" : "How You Can Still Go Bankrupt Earning 80 Bucks Per Hour", "potentialAction" : { "@type" : "ViewAction", "description" : "Use the consulting rate calculator to analyze job offers and career decisions.", "name" : "Consulting Rate Calculator", "target" : { "@type" : "EntryPoint", "actionPlatform" : [ "http://schema.org/DesktopWebPlatform", "http://schema.org/MobileWebPlatform" ], "inLanguage" : "en", "urlTemplate" : "https://www.sapbwconsulting.com/consulting-calculator-job-offer-career-decision-analyzer-q1" } }, "publisher" : { "@id" : "https://www.sapbwconsulting.com#organization" }, "url" : "https://www.sapbwconsulting.com/blog/how-you-can-still-go-bankrupt-earning-80-bucks-per-hour" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://www.sapbwconsulting.com#website", "@type" : "WebSite", "name" : "SAP BW Consulting, Inc.", "publisher" : { "@id" : "https://www.sapbwconsulting.com#organization" }, "url" : "https://www.sapbwconsulting.com" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://www.sapbwconsulting.com#organization", "@type" : "Organization", "logo" : { "@id" : "https://www.sapbwconsulting.com#logo" }, "name" : "SAP BW Consulting, Inc.", "sameAs" : [ "https://www.linkedin.com/company/543163", "https://www.youtube.com/user/SAPBWConsulting/", "https://twitter.com/Lonniea39", "https://www.facebook.com/SAPBWConsulting" ], "url" : "https://www.sapbwconsulting.com" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://www.sapbwconsulting.com#logo", "@type" : "ImageObject", "caption" : "SAP BW Consulting, Inc. logo", "url" : "https://www.sapbwconsulting.com/hs-fs/hubfs/sapbw-consulting.png?width=2847&name=sapbw-consulting.png" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://www.sapbwconsulting.com/about-lonnie-ayers#person", "@type" : "Person", "name" : "Lonnie D. 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