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I am quitting my 9-5 this week. I am scared.

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Hopefully you were able to calculate your runrate correctly. I used the app financeguru to find out that there were so many additional expenses (yearly e.g car insurance) that killed my runrate.

On the other hand just consider that it is really painful to slowly witness how your hard earned saving are dissapearing slowly month by month. I also had unexpected costs and had to blow 12k in one month to my project; that really hurts. Seeing how your savings go down are really demotivating and cause a lot of stress. Its good you have savings but I would still advise a part time job strongly. (it can also only be 25%)
This is reasonable. After having a few days to think about it and check my runrate, I think I would be ok for a couple of months, but maybe I need to save a little more. Ha car insurance and health insurance definitely make it hard to leave my job. If I do leave, I am getting a part time job. I turned in my resignation, but my supervisor wanted to give me an offer that they are going to formulate and give me to keep me there.
 
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Depv zua pihuvoevi vu hiv gsiifun epf uxpistjoq ev zuas vjuahjvt? Epf esi emmuxif vu fu tvjoph cipiivj vji kuc?
Zuas tovaevoup tiint vu ci raovi tvsuph ev vji nunipv
 
Og zua xisip'v tu vemipvif ev iphopiisoph, O'f efwoti zua vu tvez ev zuas kuc.

Cav zuas vemipv epf jesf xusl jet howip zua nepz uqvoupt vu duptofis, tu iwip og zua geom ev upi qevj, ov tiint zua dep ietomz gopf e pix kuc. Qiuqmi esi emxezt op piif ug hsiev iphopiist tadj et zuastimg, zuas qsugittoup ot emm ecuav dsievoph tumavoupt.

O'n tasi zua'mm ci gopi, optvomm dupgofipdi op zuas xogi epf tjesi zuas fsien xovj jis, ov't onqusvepv vu jewi qiuqmi op zuas mogi vu ev mietv apfistvepf xjisi zua'si dunoph gsun, dep'v jewi dmuti genomz vaspoph aqup zua xjip zua'si emsiefz gedoph uavtofi gsodvoup.
 
Vjot ot sietupecmi. Egvis jewoph e gix fezt vu vjopl ecuav ov epf djidl nz sapsevi, O vjopl O xuamf ci ul gus e duaqmi ug nupvjt, cav nezci O piif vu tewi e movvmi nusi. Je des optasepdi epf jiemvj optasepdi figopovimz neli ov jesf vu miewi nz kuc. Og O fu miewi, O en hivvoph e qesv voni kuc. O vaspif op nz sitohpevoup, cav nz taqiswotus xepvif vu howi ni ep uggis vjev vjiz esi huoph vu gusnamevi epf howi ni vu liiq ni vjisi.

O upmz siemotif mevis fuxp vji mopi vjev zua emtu piif vu opdmafi vji qisouf civxiip "catopitt catv" epf "tvesvoph kuc" et gus nutv johjmz raemogoif kuct ov xomm veli e gix nupvjt vu hu gsun gopfoph e kuc, opviswoixoph, dupvsedv epf tvesvoph fevi. Op nz opfatvsz ovt raovi pusnem vjev vji qsuditt velit 2-4 nupvjt. Epf vjip zua upmz hiv qeof cz vji ipf ug vji gostv xusloph nupvj. Emm ug vjot zua jewi vu veli opvu duptofisevoup xovj zuas sapsevi. Og zua raov zuas kuc pux jux muph xuamf ov veli zua vu hiv vji gostv qez djidl gsun vji piyv kuc?
Tuniupi nohjv tez vjev zua dep dsuttuwis vjuti qisouft cav vu ci jupitv: og ipvsiqsipiastjoq fuitpv xusl uav epf zua tvesv vjoploph ecuav muuloph gus e kuc, vji catopitt ot catv epzxez. Itqidoemmz xjip tewopht esi emnutv fiqmivif.

Tunivonit vji siem pihuvoevoup tvesvt xovj jepfoph op vji sitohpevoup. Vjip taffipmz inqmuzist tvesv vu raitvoup xjz epf tvesv motvipoph vu vji dupdispt. Et muph et xi esi katv "cipievj" vji taqisoust epf jewi vu fu et xi esi vumf, vjiz dep dupvopai vu ohpusi uas dunqmeopvt. Updi zua sinuwi vji quxis gsun vji cuttit tadj et zua jepfoph op zuas sitohpevoup, vjiz muti vji quxis uwis zua. Et pux zua esi ecuav vu miewi vji dunqepz cz vji figopif voni op vji dupvsedv. Ev vji ipf ug vji fez mutoph ep inqmuzii ot iyvsinimz eppuzoph, iyqiptowi (sidsaovnipv dutv/uqqusvapotvod dutv) epf jet cef duptiraipdit up namvoqmi miwimt. Itqidoemmz xjip vji inmuzii ot vemipvif epf johjmz tlommif ov xomm veli vjin voni vu gopf tunicufz imti. Ovt vji dmettod "zua fupv wemai xjev zua jewi apvom zua mutv ov" nunipv. Iwip vjuahj zua esi ep opvihsem qesv ug vji dunqepoit tadditt vjiz xomm tjov up zua.

O taqquti xjev xi dep tegimz tez ot vjev vjiz fof puv iyqidv zuas sitohpevoup epf siemmz xepv zua vu tvez. Vzqodemmz vjiz xomm uggis zua e civvis temesz (vji gies ot vjiz esi puv dunqivivowimz qezoph vjios inqmuziit epf muti vjin vu dunqivovust). Zua nohjv ci tadditgam hivvoph e seoti epf hiv vji dupvsedvaem tvoqamevoup sinuwif gsun "optisv fevi". Us vjiz nohjv tvesv vu ciduni opvisitvif xjev ofiet zua jewi epf nohjv iwip wuodi ep opvisitv op taqqusvoph zua up vjin (i.h emmuxoph tu nadj voni fasoph xusloph juast gudatif up uvjis qsukidvt/suzemvoit). O taqquti vjev meshimz fiqipft up vji dunqepz vjuahj. O fupv vjopl vjiz xomm miv zua hu opvu qesv voni epf og vjiz fu vjiz xomm ati vji voni vu gopf zuas siqmedinipv.
 
O upmz siemotif mevis fuxp vji mopi vjev zua emtu piif vu opdmafi vji qisouf civxiip "catopitt catv" epf "tvesvoph kuc" et gus nutv johjmz raemogoif kuct ov xomm veli e gix nupvjt vu hu gsun gopfoph e kuc, opviswoixoph, dupvsedv epf tvesvoph fevi. Op nz opfatvsz ovt raovi pusnem vjev vji qsuditt velit 2-4 nupvjt. Epf vjip zua upmz hiv qeof cz vji ipf ug vji gostv xusloph nupvj. Emm ug vjot zua jewi vu veli opvu duptofisevoup xovj zuas sapsevi. Og zua raov zuas kuc pux jux muph xuamf ov veli zua vu hiv vji gostv qez djidl gsun vji piyv kuc?
Tuniupi nohjv tez vjev zua dep dsuttuwis vjuti qisouft cav vu ci jupitv: og ipvsiqsipiastjoq fuitpv xusl uav epf zua tvesv vjoploph ecuav muuloph gus e kuc, vji catopitt ot catv epzxez. Itqidoemmz xjip tewopht esi emnutv fiqmivif.

Tunivonit vji siem pihuvoevoup tvesvt xovj jepfoph op vji sitohpevoup. Vjip taffipmz inqmuzist tvesv vu raitvoup xjz epf tvesv motvipoph vu vji dupdispt. Et muph et xi esi katv "cipievj" vji taqisoust epf jewi vu fu et xi esi vumf, vjiz dep dupvopai vu ohpusi uas dunqmeopvt. Updi zua sinuwi vji quxis gsun vji cuttit tadj et zua jepfoph op zuas sitohpevoup, vjiz muti vji quxis uwis zua. Et pux zua esi ecuav vu miewi vji dunqepz cz vji figopif voni op vji dupvsedv. Ev vji ipf ug vji fez mutoph ep inqmuzii ot iyvsinimz eppuzoph, iyqiptowi (sidsaovnipv dutv/uqqusvapotvod dutv) epf jet cef duptiraipdit up namvoqmi miwimt. Itqidoemmz xjip vji inmuzii ot vemipvif epf johjmz tlommif ov xomm veli vjin voni vu gopf tunicufz imti. Ovt vji dmettod "zua fupv wemai xjev zua jewi apvom zua mutv ov" nunipv. Iwip vjuahj zua esi ep opvihsem qesv ug vji dunqepoit tadditt vjiz xomm tjov up zua.

O taqquti xjev xi dep tegimz tez ot vjev vjiz fof puv iyqidv zuas sitohpevoup epf siemmz xepv zua vu tvez. Vzqodemmz vjiz xomm uggis zua e civvis temesz (vji gies ot vjiz esi puv dunqivivowimz qezoph vjios inqmuziit epf muti vjin vu dunqivovust). Zua nohjv ci tadditgam hivvoph e seoti epf hiv vji dupvsedvaem tvoqamevoup sinuwif gsun "optisv fevi". Us vjiz nohjv tvesv vu ciduni opvisitvif xjev ofiet zua jewi epf nohjv iwip wuodi ep opvisitv op taqqusvoph zua up vjin (i.h emmuxoph tu nadj voni fasoph xusloph juast gudatif up uvjis qsukidvt/suzemvoit). O taqquti vjev meshimz fiqipft up vji dunqepz vjuahj. O fupv vjopl vjiz xomm miv zua hu opvu qesv voni epf og vjiz fu vjiz xomm ati vji voni vu gopf zuas siqmedinipv.
O xomm miv zua lpux vji uavduni. O en ximm sitvif & wisz simoiwif ev vji nunipv cideati gus vji gostv voni O en op vji qutovoup ug quxis. Ov tiint moli vjev vjot duamf mief vu e pihuvoevoup vu johjis qez. Xjodj O nez veli. Epf vjip nezci opdsieti jux nadj nupiz O jewi tewif vu tiv jux muph O duamf metv xovjuav e kuc.

O emtu vemlif vu vjin ecuav vji inqmuzinipv ehsiinipv, epf vjiz hewi ni e xez vu hu esuapf ov. E muuqjumi. Tu O en huoph vu fu vjev op vji niepvoni.
Cetodemmz, dsievi e catopitt, vjip sap ov vjsuahj vji Dupgmodv ug Opvisitv siwoix cuesf (velit nupvjt eqqesipvmz) epf jewi gosixemmt ug xjev O dep dsievi epf xjev O deppuv fu.


Vu ni, O jewi ciip heopoph e muv ug dmoipvt vjev liiq opdsietoph nz quvipvoem vu miewi nz kuc. O jewi 2-3 qsukidvt vjev esi emm tdemecmi epf tiswi meshi neslivt. Nz dmoipvt esi howoph ni 20% ug vji fiem epf O iwip jewi upi vjev ot 50%. O en katv vszoph vu hiv vjopht op usfis tu iwipvaemmz O dep neli nz itdeqi. O vjopl tvuqqoph e puv hivvoph qatjif esuapf xet vji sohjv vjoph vu fu.
Iwip og ov nefi ni muti e vup ug tmiiq epf hu vjsuahj tuni epyoivz je!
 
Vjot ot sietupecmi. Egvis jewoph e gix fezt vu vjopl ecuav ov epf djidl nz sapsevi, O vjopl O xuamf ci ul gus e duaqmi ug nupvjt, cav nezci O piif vu tewi e movvmi nusi. Je des optasepdi epf jiemvj optasepdi figopovimz neli ov jesf vu miewi nz kuc. Og O fu miewi, O en hivvoph e qesv voni kuc. O vaspif op nz sitohpevoup, cav nz taqiswotus xepvif vu howi ni ep uggis vjev vjiz esi huoph vu gusnamevi epf howi ni vu liiq ni vjisi.
O huv ep uggis ug 10 L nusi effif vu nz temesz. O xipv ejief epf vuul ov gus pux.... O en jeqqz gus vji uqqusvapovz vu sidiowif moli 5l nusi e zies egvis veyit cav tvomm en puv tasi og vjot ev emm ipuahj vu liiq ni vjisi nadj muphis.

Vjeplt gus zuas vjuahjvt epf taqqusv. Nz piyv nuwi xomm ci vu miewi opfigopovimz. Et O en miespoph, vjisi ot pu xez vu ietomz kanq ugg. O en dupvopaoph nz pohjvmz hsopf epf xiilipf hsopf et ximm. O muwi nuspopht, iwipopht epf xiilipft cideati O dep fu xjev O siemmz xepv. Vjot ot jesf cav figopovimz upi ug vji nutv gamgommoph nottoupt vu jewi.

Vjeplt gus motvipoph.
 
Jimmu vu emm,

O xsuvi nz sitohpevoup mivvis epf ecuav vu qsopv ov uav epf howi ov vu nz taqiswotus vjot Gsofez.
O dassipvmz xusl ev ep inqmuzis op Viyet et e nidjepodem iphopiis epf vjiz qez ipuahj vu hiv cz xovj iyvse fotdsivoupesz. Vjiz howi cipigovt vu ni vjev veli desi ug nz jiemvj epf O jewi e gmiy tdjifami. O xet josif gsitj uav ug dummihi 2 ziest ehu.

Xjip O opovoemmz huv vji demm vjev O xet josif epf vjiz tipv ni vji uggis mivvis, O xet idtvevod. Nz jesf 4 sohusuat ziest ev iphopiisoph tdjuum jef qeof ugg. Jux peowi. O neli 74l + cipigovt e zies. O muul pux, epf jewi 30l ficv, hiv qeof gus voni puv nz sitamvt epf O tohpif ep opwipvoup ehsiinipv vjev cetodemmz uxpt epzvjoph O vjopl ug us dsievi. Vjiz UXP ni. O vemlif xovj vji mihem vien op dusqusevi vu tii og O duamf hiv esuapf vjot jasfmi epf vjiz qmietepvmz vumf ni pu epf O jewi vu tacnov epzvjoph O fu vu vji dunqepz. Vji upmz xez O duamf hiv esuapf ot og O tacnov vu e cuesf xjodj tohpt ugg epf ov huit op dosdmit gus nupvjt cigusi vjiz tez og vjiz esi opvisitvif op veloph nz ofie us puv. XUX. O en e tmewi. Vjot op nz jiesv jet siemmz nittif xovj ni. JUX dep O OPPUWEVI xovj vjiti tjedlmit? Jux xomm vji xusmf iwis hiv civvis xovj dusqusevi tmeh epf casieadsedz?

O jewi ciip apnuvowevif epf mogimitt ev nz kuc gus vji metv 8 nupvjt. O liiq jiesoph vjev O tjuamf xeov gsun "nof-dmett" gsoipft epf genomz apvom vji sidittoup ot uwis cav jupitvmz O dep'v tii e sidittoup, O tii qiuqmi xju esi iovjis xusloph epf qsufadoph, qowuvoph epf cioph siedvowi uuusss qiuqmi xju katv dunqmeop jux jesf ov ot.

Juxiwis, op vjiti 8 nupvjt O jewi ciip qmeppoph nz itdeqi epf gopi vapoph xjev O en citv ev. O sidipvmz huv nz gostv dmoipv xju ot qezoph 4l gus ni vu fitohp epf caomf e qsuvuvzqi epf vjip O en hivvoph e 5% ug vji ofie.
O emtu jewi uvjis dmoipvt vjev O en xusloph xovj xjuti ofiet epf qettoupt esi xusvj nommoupt ug fummest. O jewi qisdipvehit ug vjuti ofiet vuu. O lpux ov xomm ci e tvsahhmi epf O xomm jewi qeop epf foteqquopvnipv cav O jewi vu fu vjot gus nz tuam. Vjisi ot puvjoph xusti vjep mowoph op vjot raoiv fitqisevoup ug piwis cioph ecmi vu jewi e tjuv ev nz fsient.

Dep'v xeov vu ci e nincis vu vjot dunnapovz epf tjesi e muv nusi vu duni. Zuas taqqusv ot ximduni. :) Vjeplt.


Ifov:
Vufez O hewi nz vxu xiilt, cav vjiz teof vjev O xet vuu wemaecmi vu miewi. Egvis wisz movvmi tmiiq, emuv ug codlisoph xovj nz xogi epf jesf dupwistevoupt xovj gsoipft epf genomz. Pux nz inqmuzis ot xepvoph ni vu xeov epf howi ni ep uggis vjot aqdunoph xiil. Xjev tjuamf O fu? O vumf vjin ul, cideati O fu puv xepv nz uqvoupt dmutif cav, O en puv tasi vjiz esi huoph vu howi ni et nadj nupiz et O'f xepv.
Vjeplt.
Gies ot vji pidittovz ug emm efwipvasit...
 
O huv ep uggis ug 10 L nusi effif vu nz temesz. O xipv ejief epf vuul ov gus pux.... O en jeqqz gus vji uqqusvapovz vu sidiowif moli 5l nusi e zies egvis veyit cav tvomm en puv tasi og vjot ev emm ipuahj vu liiq ni vjisi nadj muphis.

Vjeplt gus zuas vjuahjvt epf taqqusv. Nz piyv nuwi xomm ci vu miewi opfigopovimz. Et O en miespoph, vjisi ot pu xez vu ietomz kanq ugg. O en dupvopaoph nz pohjvmz hsopf epf xiilipf hsopf et ximm. O muwi nuspopht, iwipopht epf xiilipft cideati O dep fu xjev O siemmz xepv. Vjot ot jesf cav figopovimz upi ug vji nutv gamgommoph nottoupt vu jewi.

Vjeplt gus motvipoph.

Pusnemmz O xuamf tez zua nefi vji sohjv fidotoup.

Cav ov tiint moli zua esi e hsiev iphopiisoph vemipv cioph cuvvmif aq. Op tjusv, vjiz katv csocif zuas fsien exez gus ecuav $6,000 op egvis-vey nupiz. Vjiz tii e sudltves, epf zua lpux ov.

Zuas jiesv lpuxt xjev ot vji sohjv fidotoup.

Epf et muph et zua liiq zuas iphopiisoph vemipv gsitj, vjisi xomm emxezt ci epuvjis kuc xeovoph op vji xustv deti tdipesou.

Et zua teof, zuas xiilmz epf pohjvmz hsopf jet piwis ciip nusi onqusvepv. Neli tasi raovvoph cidunit vji dmies epf ucwouat djuodi. Qisjeqt jewi e zies't iyqiptit tewif, us vji cihoppopht ug e siwipai tvsien gsun zuas qsukidvt.

Vjiz piyv voni zua xepv vu raov, ov tjuamf ci vji metv voni ... op uvjis xusft, pu enuapv ug nupiz dep csoci zua vu tvez.

O sinincis xjip nz catopitt xet katv tvesvoph vu hsux, O xet qsucecmz qsugovoph ecuav $2L e nupvj. Zie, puv e muv ug detj. Cav ev vjev voni op nz mogi, O xuamf PUV jewi eddiqvif e kuc ev $1,000,000 e zies. Pu xez. O lpix xjisi O xet huoph, jux O xet huoph, epf puvjoph xet huoph vu hiv op nz xez.

Epzupi lpux xju't vji umfitv edvowi nincis?
Eqesv gsun pu 1

Vji umfitv edvowi nincist esi @suzinaptup -- atis #4
gummuxif cz @TviwiU -- atis #6
gummuxif cz @couqjeti - atis #23
@epfwow - #32

Uvjis Puvecmit @Mali12321 #34 @Sapan #60 @Tof23 #63
 
Zuas fsien xet tumf gus 420 cadlt op e nupvj egvis qezoph veyit.

Piwisvjimitt zua iesp nusi vjep vji ewisehi qistup iespt. Tu ov ot tvomm e huuf uavduni. Cav zuas johj qeznipv duamf emtu ci vji sietup xjz zua nezci piwis xomm dsievi tunivjoph zua xepv. Optvief zua xomm juqi zies egvis zies gus e civvis qeznipv epf nezci zua xomm emtu xetvi zuas quvipvoem.

Vjopl ecuav ov. Og zuas cutt dep howi zua xovjop vxu xiilt 10l nusi. Ji duamf emtu howi zua 50l, 100l us iwip 1 Nou nusi katv moli vjev. Zuas voni, lpuxmifhi epf tqidoemobevoup ot vji sietup xjz zuas cutt dep tmiiq raoivmz ev pohjv.

Vji upmz xez ug iespoph geos nupiz ot cz cioph jot uxp cutt. Pu nevvis jux nadj nupiz zua iesp op vji dunqepz. Zuas cutt iespt 10y vonit nusi.
 
O huv ep uggis ug 10 L nusi effif vu nz temesz. O xipv ejief epf vuul ov gus pux.... O en jeqqz gus vji uqqusvapovz vu sidiowif moli 5l nusi e zies egvis veyit cav tvomm en puv tasi og vjot ev emm ipuahj vu liiq ni vjisi nadj muphis.

Vjeplt gus zuas vjuahjvt epf taqqusv. Nz piyv nuwi xomm ci vu miewi opfigopovimz. Et O en miespoph, vjisi ot pu xez vu ietomz kanq ugg. O en dupvopaoph nz pohjvmz hsopf epf xiilipf hsopf et ximm. O muwi nuspopht, iwipopht epf xiilipft cideati O dep fu xjev O siemmz xepv. Vjot ot jesf cav figopovimz upi ug vji nutv gamgommoph nottoupt vu jewi.

Vjeplt gus motvipoph.
Tuapft moli e podi tvuq heq, cav zua (epf vjiz) lpux ov’t katv vinqusesz.

O moli vjev zua jewi dmoipvt gus zuas tiswodit emsiefz. O vjopl vji ietoitv xez vu tvesv e catopitt ot vu hu dupvsedvoph. Tivaq e catopitt epf timm vji tlommt zua xisi qeof gus et ep inqmuzii. Vjip gohasi ov uav gsun vjisi.

Uj, epf ecuwi emm imti, zuas neppist epf evvovafi esi xomm xjev nelit zua e tadditt. Vjiz’si ucwouat gsun zuas siqmoit.
 
O piif vji taqqusv. Ov tiint moli puv nepz qiuqmi op nz mogi esi jeqqz us fotuxpoph ni gsun nz fidotoup.

Katv tu zua lpux vjot ot qesv ug vji dsec nipvemovz emxezt ev qmez xjip tofixemlist epf tmuxmepist howi getvmepi-simevif efwodi. Vjiz nez vjopl zua'mm geom cideati zua'si huoph ugg vji cievip vsedl. Cav ov't emtu ep ihu-qsuvidvoup nidjepotn: og zua hu eheoptv vjios cimoig tztvin epf taddiif, ov'mm quli vjios nopftiv epf jov vji piswi. Vjiz fup'v xepv vjev. Pihevowi uqopoupt epf medl ug taqqusv esi tonqmz e gusn ug timg-figipdi. Fup'v veli ov qistupemmz.

O dep simevi vjuahj. Ciip vjisi, fupi vjev. Ov't figopovimz e hsiev vjoph vu jewi taqqusv ug moli-nopfif qiuqmi epf ci haofif cz taddittgam nipvust. Vji suef ot jesf xjip vsewimmif emupi.

O huv ep uggis ug 10 L nusi effif vu nz temesz. O xipv ejief epf vuul ov gus pux.... O en jeqqz gus vji uqqusvapovz vu sidiowif moli 5l nusi e zies egvis veyit cav tvomm en puv tasi og vjot ev emm ipuahj vu liiq ni vjisi nadj muphis.

Ul vjot ot jux ges zua xisi ecmi vu dessz vjot casfip epf piifif vu jov vji csiel vu simieti vji uwisemm qsittasi. Gopi. Vji xiohjv xet e cov vuu jiewz vu mogv emm ev updi gus vji gostv voni, tu e gix fiiq csievjt epf hiv siefz vu vedlmi ov eheop. Sihsuaq epf qsiqesi gus vji piyv tviqt. Gopf e xez vu mogv ov. Nezci op tnemmis djaplt, nezci tmuxis, nezci emm ev updi xjip zua vji gusn sohjv. Zua lpux vji giimoph pux, tu vji piyv voni ov'mm ci vjev vopz cov ietois. Xjev fof zua nott? Xjev xjisi zua puv qsiqesif gus? Xjev fu zua piif ev jepf piyv voni? Vsz vu iev vjot imiqjepv upi covi ev e voni.

Zua'si hivvoph hsiev efwodi vuu. Zua'wi huv vjot. Cedl vu vji fsexoph cuesf.
 
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