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Imagine:

You're one of the lucky retail employees that work a full 40 hour week. Your annual gross salary is somewhere in the 24-30k range.

That's not enough to support a 2br apartment and car, so you're relying on public transit. You work retail, so your hours suck and you're often stuck bumming rides or waiting for the bus, which only runs every half hour when the mall closes.

When I was in college, I worked in a mall restaurant. That was a pretty common scenario for waitresses, line cooks, retail assistant managers, and similar roles.

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