How to Afford to Quit Your Job without a Plan B

How to Afford to Quit Your Job without a Plan B; afford to quit job without plan b, afford to leave job, quit 9-5 with no plan

Throughout the last decade, I quit my 9-5 job twice without a Plan B. No interview or job offer on the horizon. Although not an ideal situation, I knew I had to get the heck out of the toxic work environment in order to clear my head. But how was I able to afford to quit my job without a Plan B in sight?

Emergency Fund

Most financial experts recommend at least 6-12 months of living expenses saved up in an emergency fund. Knowing how long it could take to clear my head then figure out the next steps, I needed an even longer runway. I had well over a year saved up in my emergency fund.

I needed roughly $2000 each month to comfortably cover my mortgage, utility bills, gas, groceries, etc. I had about 15 months of emergency fund savings in the bank. If worse came to worse, I planned to sell my condo, car, index funds and so forth.

Worst Case Scenario

Sure enough, I experienced some worst case scenarios. This included a medical emergency while traveling overseas during my Eat, Pray and Love journey. It was nerve wracking.

Honestly, the anxiety over the hospital bill felt ten times worse than the physical pain I was in the hospital for. Sure, I had health insurance. But not overseas coverage.

Then a week after of returning home, I found out my father was in a car accident. I found myself flying across the country to be with him in ICU. He’s ok now but let me tell you, last minute direct flights are expensive!

Fortunately, I did not deplete my emergency fund before I was able to lock down a Plan B. However, the lesson learned was priceless. Planning for the worst case scenario can offer some peace of mind during crises!

Having a back-up plan should everything go unexpected is critical. My back-up plan was to sell my condo, car, then my stock investments before I needed to sleep on a friend’s couch.

Unemployment for over a year? Large unexpected medical bill? Last minute flight purchases for emergencies? Whatever that worst case situation may be for you, be sure to factor it in your emergency fund. Here are my recommended financial tools that can help you plan for the worst case scenario.

How to Afford to Quit Your Job without a Plan B; afford to quit job without plan b, afford to leave job, quit 9-5 with no plan

Start Now

It’s easy to have a Plan B but figuring out a solid Plan B takes time. It’s your next chapter in life! Though it doesn’t have to be permanent, having a solid Plan B can save you the time of repeating same mistakes.

Getting out of the rat race takes time. If you know in your heart of hearts that it’s time to move on from your current job, start the soul searching asap!

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.


Job searching takes time, especially if you don’t want a more fulfilling career than your last. Once I quit, I made it my full time job to figure out what it is I wanted.

I was able to clear my head and figure out my calling. It forced me to get my finances squared away for the next chapter of my life. I started creating passive income to speed up my path to financial freedom.

In addition, I started Not A Bond Girl to write about my journey to financial freedom. Soon enough, I knew I wanted to be my own boss one day. But I needed the financial means to fund my side hustle until it could support me.

Back to Corporate...but only temporarily!

I wish I could say that the week after I quit, I landed my dream job within a week. Not even close. In 2017, I was unemployed for almost half a year.

I eventually worked in Corporate America by the end of the year. Though it was just a stepping stone until the next career pivot, I was able to build back up an emergency fund and fund my side hustle blog biz. Soon enough, I was able to create passive income through affiliate marketing strategies.

Sure, going back to the 9-5 was nowhere near a dream career path for me. But I was no longer in the previous toxic work environment doing work that I hated. More importantly, the time off was priceless.

Nevertheless, the 9-5 wasn’t permanent. I was able to make up for lost income and fund Not A Bond Girl while it gained a following. In fact, it was about a year later that I took another leap of faith to become a full-time blogger.

Sanity is priceless!

If you feel like you can’t take another day at your 9-5 job, then it’s time to get your financial ducks in a row! Your sanity is priceless so start moving!

Financial independence retire early (FIRE) like a boss!

Get FIRE’d up about financial freedom.

There are a endless ways to create side hustle income and reach FIRE. Investing in stocks, owning rental property, creating your own online biz, and so forth.

But it doesn’t mean you need to do it all. Just pick 1 or 2 that gets you excited.

Everyone's financial situation and personal interests is unique. It’s important to try out different side hustles to see what works best for you.

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How to Afford to Quit Your Job without a Plan B; afford to quit job without plan b, afford to leave job, quit 9-5 with no plan