savings is way to high id put that into something so it can grow you wont need all that money when retiring but instead draw a little at time, typically, CD, IRA, etc account's would be great for that.

it would vary on the position iv been both salaried and hourly, personally i find hourly tedious you always clock in and out at certain time and OT is expected, salaried worked really well for me i work in office position meaning you can come in whenever (almost) no penalty for being late or early and same with lunch no penalty, but again thats just the places i worked at, and we generally never had OT for salaried and those that did had OT paid,