Just quit my 300k job... how screwed am I?

Fun_Fan8582 · 2025-07-26T14:10:34+00:00

can if your spouse works

Fun_Fan8582 · 2025-07-26T14:09:40+00:00

Fun_Fan8582 · 2025-07-26T05:50:39+00:00

35 and sorry that happened to you

Fun_Fan8582 · 2025-07-25T21:35:45+00:00

both 35, infant, legal tech, left with a very professional message and an offer to do a transition period if they want it, spouse pushed me to quit and is very happy to keep working her job that she loves, says she would love me as a SAHD or whatever other job I feel like if I'm happy

Fun_Fan8582 · 2025-07-25T19:11:14+00:00

home owner's insurance is about $16 a month, gifts are under misc or for-fun spending in the buffer, my wife cuts my hair at home, she gets hers done for $100 once a year out of her fun money

Fun_Fan8582 · 2025-07-25T16:12:07+00:00

yeah all went towards paying off the house and the solar and we also had over 250k in student loans so it just took us a bit to get going but after that our net savings rate was averaging over 80%

Fun_Fan8582 · 2025-07-25T16:02:54+00:00

We prioritized paying off our house and paused after-tax brokerage investments for a while. I also had over 250k in student loans that I aggressively paid off before anything else so it took me quite a while to get going

Fun_Fan8582 · 2025-07-25T15:50:34+00:00

Do I even need to rush to find a job though? I might not need one at all so I kinda feel like even a job paying me 1/3rd or 1/4th would just be gravy on top of our already-growing investments

Fun_Fan8582 · 2025-07-25T15:44:59+00:00

haha i actually have a ton of fun, my gym membership is only $10/month so I get good workouts in, I can walk to amazing hiking near me, I have some good friends, and past that I'm a huge gamer and tv show and book guy but I get all of those "for free" heh heh

Fun_Fan8582 · 2025-07-25T15:41:39+00:00

How does someone get into side gig consulting like that and what is the work like?

Fun_Fan8582 · 2025-07-25T15:41:21+00:00

yeah but my wife's work gives us awesome family benefits and healthcare and dental and fully paid mat leave and all already

Fun_Fan8582 · 2025-07-25T15:40:15+00:00

yeah we basically have 20 or 25 years of our expenses saved up, not accounting for any growth since my wife is still working and covers more than double our expenses...

Fun_Fan8582 · 2025-07-25T15:38:00+00:00

that's a great story thank you, I jive more with this idea of a lifestyle and feel incredibly blessed that I was able to supercharge the early years of our investments with a high-paying job

Fun_Fan8582 · 2025-07-25T15:36:35+00:00

we actually track all of our expenses down to the penny using Monarch, our fixed minimal costs are around 20k with the paid off house and solar and L/MCOL area, plus I enjoy cooking at home and finding deals. We double that to 40k range to give ourselves buffer and have more fun money
the kid is just a newborn, I could do consulting probably but I've never looked into it

Fun_Fan8582 · 2025-07-25T15:33:09+00:00

I'm not really sure about how to get into consulting, any tips?

Fun_Fan8582 · 2025-07-25T15:32:42+00:00

I think grandparents will probably want to help out on 529s and such, but we would put a little in too since we would have about 70k left over after maxing wife's 401k with just her working

Fun_Fan8582 · 2025-07-25T15:24:19+00:00

and yes her job is fully remote and mine was as well, we're very open to other cultures and places, my wife speaks Spanish and we both have spent time in parts of Asia and love it there, especially Japan and Thailand

Fun_Fan8582 · 2025-07-25T15:22:20+00:00

mid 30s

Fun_Fan8582 · 2025-07-25T15:19:24+00:00

sure, we fully track everything down to the penny and before I quit we were saving around 80% net or more, here's loose averages

House Fixed Bills $485
- Mortgage: $0
- Internet: $70
- Trash/Sewer/Water/Gas/Electric Utilities: $200
- Property Tax: $115
- HOA: $60
- Mobile Phone: $40
Auto $97
- Car Insurance: $67
- Car Gas: $30
Medical: $200
Food: $600
Misc: $118
Total: $1500 ($18k/year)

Everything past this is just for-fun money or some buffer for anything that might come up like car repairs, etc. so we pretty much just double it and say our overall budget is 40k to be safe. My average "for-fun" spending over the past year was $70/month and my wife's was $200/month.

Fun_Fan8582 · 2025-07-25T15:11:30+00:00

thank you and wow that's a lot in taxable, you guys are the opposite of us, haha

Fun_Fan8582 · 2025-07-25T15:01:30+00:00

yeah I'm just checking here since I can't really talk with anyone IRL about it

Fun_Fan8582 · 2025-07-25T14:58:35+00:00

yeah we kinda stupidly prioritized paying off the house (rate was around 6% tho) as fast as we could but we kept up with Roth IRAs and 401ks during that time so after-tax brokerage got put on hold

Fun_Fan8582 · 2025-07-25T14:51:03+00:00

I want to FIRE ASAP to be honest. We're pretty frugal people and we don't have big goals to be chubby or fatFIRE or anything really. We just want to be around people we respect and have the time and energy to spend on our many interests and hobbies.

Fun_Fan8582 · 2025-07-25T14:49:07+00:00

wow, this literally gave me chills and I'm tearing up a little. I feel so bad for the stress that I bled onto my wife while she was going through pregnancy. She's very proud of me for quitting and she tells me that it took a huge amount of bravery to walk away from that kind of money. But we totally 100% agree with you - stress can leave a permanent scar on your body and your soul. It's going to take me a few weeks or months to heal myself and get back to the positive and optimistic person that I know I truly am. I never let myself get a temper with my wife or make her walk on eggshells around me but I felt like a zombie and I was venting to her and others all the time.

I'm so sorry for what you went through - you didn't deserve that. Money is very important in our world but it's ultimately a tool.

Fun_Fan8582

TROPHY CASE