🚪 Ready to Quit Your Day Job? Here’s When It Actually Makes Sense (and When It Doesn’t)

GeezerWise Money Talk - Written by two-finger typer Fred Ferguson

Note to subscribers:
Quitting your job to go full-time online sounds like freedom. But if you do it too soon—or without a plan—you’re just trading one problem for a bigger one. Here’s how to know when you’re truly ready to make the leap.

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Millions dream of leaving the grind behind. No boss. No commute. Just coffee, a laptop, and passive income while the world spins.

But here’s the hard truth:
Most folks aren’t ready—mentally or financially.

This one’s for those of you who are doing well online. You’re making money. The side hustle’s humming. You’re starting to think… “Maybe it’s time to quit the day job.”

Not so fast. Let’s walk through this together:

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💰 1. Got an Emergency Fund?

If your monthly expenses are $2,000, you better have at least $6,000–$12,000 stashed in savings.

Ideally? A full year’s worth.
Because guess what? Stuff breaks. Traffic dips. Algorithms change. Income drops.

Without that cushion, one rough month can sink the whole ship.

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📈 2. Are You Making 1.5–2X Your Salary?

If your day job pays $3K/month, your business should be making $4.5K–$6K. Consistently.

Why? Because online income isn’t always steady.
A Christmas blog crushes Q4 and flatlines in January. Seasonal spikes can fool you into thinking you’re ready. You’re not—unless the business is evergreen and stable all year.

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🔄 3. Is Your Business Sustainable?

Fidget spinners made people rich. Briefly.

What you’re doing needs long-term potential.
It’s not just the business model—it’s the offer, the audience, the market.
Can you still earn from it six months from now? A year? Can you pivot if needed?

Sustainability = predictability = peace of mind.

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🫱 4. Don’t Burn the Bridge

I get it—you hate your job. Your boss is a jerk. Your coworkers wouldn’t last five minutes online.

Still—leave on good terms. You might need a reference one day. Or you might just want to leave behind a trail of professionalism instead of a fireball of resentment.

Success is the best “I told you so.”

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⚖️ 5. Can You Handle the Lifestyle?

Yes, online business gives you freedom.
But it also gives you loneliness, long hours, and pressure that you alone are responsible for results.

Some folks thrive on that. Others get crushed.

Also: if you’ve got debt, don’t quit.
Use that double income (job + online biz) to pay it off first. Then jump.

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🧠 Final Word from Fred:

“Don’t quit emotionally. Quit logically.”

Don’t let a bad boss trick you into making a bad move.
Wait until it makes sense on paper.
Wait until the business is stable.
Wait until you’re ready to run it full-time with full responsibility.

Leaving your job isn’t the finish line. It’s the starting gun.
Plan wisely, and you won’t just quit—you’ll thrive.

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📌 This was written by Fred Ferguson (GeezerWise). If it spoke to you, I’d love to hear back—just hit reply.

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—Fred [GeezerWise]