Are You Financially Ready to Quit Your 9-5?

Updated: Sep 16, 2019


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Can’t stand another day at your 9-5 job? Ready to quit even without another job lined up? No worries, you’re not alone. I’ve been there...a number of times.


Maybe you are mentally ready to peace out. But that's completely different than being financially prepared to resign. So let’s make sure you get your finances in order so it’s more of a “calculated” leap of faith.


What is F-You money?


In light of the #MeToo and #TimesUp movement, F-You money is especially crucial. If you are going into a hostile workplace each day, it’s time to say F-You to that.


F-You money is an emergency savings fund. An emergency fund can provide peace of mind in case of a layoff or unexpected medical expense.


Over the years of working in a male dominated “old boys club” environment, I’ve leveraged my emergency fund as F-You money. Having resigned from my job without a plan, it has taken the pressure off of having to find another job immediately.


How much F-You Money do you need?


Many financial experts recommend a 6-12 month emergency fund. That is 6-12 months of your monthly expenses in savings.


Here’s how I was able to build enough F-You money in a matter of months...


Financial Independence, Retire Early (FIRE)


It has been a wild ride to FIRE. But at 35, I did it! As much as I hated tapping into my emergency fund, there were several times where the the F-You money came in handy.


Enough was enough. So I got the F out. I was able to leave toxic work environments in a matter of days.



I hope everyone here has their emergency fund or getting it squared away. Hopefully, you won't ever need to touch it but you’ll know deep down when enough is enough.


Not too long ago, I swiped left on my 9-5.


After almost ten years working in the public sector, I wanted out. I wanted to do something completely different. But with all the office politics going on, it was hard to find stillness and find out what I really wanted in my next career.


My decision to leave without another job lined up may have seemed irrational on the surface. I don’t have a family but I did have a mortgage among other bills from living in an expensive city.


Yet, I needed to step away from the toxic work environment ASAP.


Fortunately, things panned out much better than expected. It’s not to say it was a linear path. It was definitely not an easy journey too...


Related Content:


Quit Your 9-5 Without a Plan B? Now What?

5 Things You Must Do Before You Resign

How I Reached Financial Independence at 35


Not for the faint of heart.


Throughout my career in both public and private sector, I’ve taken several leaps of faith. Several of the leaps did not include a Plan B.


Everything worked out in the end but I would not recommend that route to everyone. There were definitely times when I felt completely hopeless and desperate. It was quite painful.


Get your financial ducks in a row ASAP.


Even as a business major in college, one would think I’d be better with my personal finances. I figured, all I had to do was make more than I spend. Right? Wrong.



It wasn’t until I realized how much I craved freedom from a cubicle that I started waking up to my beliefs and habits around money. And when I really couldn’t stand my job, I knew I needed to have a financial freedom plan.


It takes more than just being frugal with your spending.


It takes more than just a six-figure or more salary too! The journey to FIRE requires you to have your hard earn money working for you!


There are a gazillion ways to achieve FIRE. From real estate to stock market investing and everything in-between. The choice is yours!


Start a blog, rent out my car, I tried a lot of different side hustle gigs. Get your creative juices flowing!


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Prior to each leap, I tapped into my intuition.


Before I quit, I was doing a lot of soul searching in order to be more intentional about my job searches. Otherwise, I would be aimlessly sending out online applications and wasting a lot of time.


Doing the soul searching is an ongoing process, even once you find that dream job. So start now! Need ideas? Not sure where to start?


Here are my favorite work from home opportunities that I came across during job searching phase.


F-You Money Calculator


How close am I to saying F-You? I asked this question many many times throughout my life in corporate.


In order to know if I was even remotely close to my target number, I played around with different financial goal calculators.


Of all the different calculators out there, Personal Capital offers one of the most in-depth financial planning calculators. And it’s free to use!


Know exactly where you stand relative to your money goals.


Ready to say F-You to your job?


See how close you are to financial freedom here!


Track your net worth


Having multiple income streams and a diversified portfolio is important to reach financial freedom. But keeping track can be a major pain.


I can barely remember my passwords to my social media accounts let alone all the other online accounts I have. You too? No worries, girlfriend. I got you covered.


I can securely link all my financial accounts to get a complete picture of my net worth with Personal Capital. Over time, I saw how my net worth was trending positively.


It even helped me take steps to make adjustments in my spending and savings habits. Over 1 million people use the Personal Capital app to track and manage their net worth.


Ready to check your numbers?


Start tracking your net worth today!