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Pursuing What I Love or What Brings in the (Stable) Money

Last Updated: November 16, 2022 BY Michelle Schroeder-Gardner - 113 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

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Around one week ago I asked all of you a bunch of questions because I want to learn more about all of you. A lot of you said that the job you currently have is not your dream job.

I’m sure that a lot of you can imagine and/or see where my posts have been going lately. Last year I made the post Do You Want To Be Self Employed and I have been thinking about it ever since. It seems like passion has been taking over the personal finance world a lot lately, with Jen, Holly and numerous other wonderful ladies and gentlemen who have decided to strike it out on their own. Guess what? Finding your dream job is possible!

The other day I was reading a post on Get Rich Slowly about how one reader quit her very promising and high-paying career so that she could enjoy life instead. And then after I read that post, I read about how another GRS reader actually QUIT his passion to take a boring job.

I’m not sure what I want to do anymore.  My side hustle income is higher than ever, and I’m constantly looking to diversify it. Right now, I am definitely at the point where I could take a leap of faith and start pursuing other side hustles that I love, and focusing on those 100% instead of my normal 8-5 office job.

I’ve had this Money or Passion post lined up for quite some time in my blog to-do list, and I’m glad I can finally publish it. I’ve been asking a lot of you for tips, and so many of you have been responding to my tweets and emails.

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When I decided on my major at the young age of 18, I did everything that I could to graduate quickly. I managed to graduate after 2.5 years, and that was even with taking a semester off. I was in a rush for multiple reasons: I wanted something to occupy my time so that I could stop thinking about how sick my dad had become, and also because I “thought” that graduating with two business-related degrees would do me good.

I thought life was all about money at that time, and not about what actually makes you happy. I thought pursuing your passion as your job was only for “lucky” people or people who had a specific talent. I was going for the more “realistic and responsible” direction by going for business degrees.

For some, your passion might bring in the money for you, and that is awesome! I have multiple passions, and when all combined into my side hustles and a potential volunteer position that I want to start – this all creates my passion. Luckily, my side hustles bring in a decent amount of money.

Also, luckily our bills are not very high. Altogether our bills and everything are less than $3,200 per month (bills, mortgage, food, and so on) and we could manage this along with still saving without getting too worried. We would want to live on less income and save more to prepare for the unexpected though.

 

Why I want to go for passion and enjoy life instead.

I’ve been thinking about life, the meaning of life, and where I want to go in life a lot lately. I can’t help it. With everything that has happened – mainly my father passing away and finding out that my grandfather passed away shortly thereafter, it’s hard not to think about how boring and routine everything has gotten.

I don’t want to wake up every morning and wonder where the day before went, and I don’t want to be begging for time to pass by just because I feel like I’m slaving away.

I want to continue with my side hustles (which would that become a part of my main hustle) and start a position at a non-profit that I love. I want the days to be enjoyed. I don’t want to wake up in the morning and complain like the world’s ending (which I’m sure W is tired of by now).

I’m still young. Today I am 24 (WOOHOO it is my birthday!). I have yet to take a break and pursue something that I love. Am I too old, too young, too naive to do this? I guess I’ll never know until I try.

I’ve always tried to be the responsible one. There have always been people who have relied on me, but now that they’re starting to do better as well, I have had the increased need to venture out and try something new.

 Untitled

So, what’s the negative/risk of pursuing my passion and finding my dream job?

The instability of it all! The fear of the unknown. I am a big worrier, and I always feel like the worst happens when you least expect it. I’m afraid that I’ll throw all my eggs in one basket and then it’ll explode. I’m afraid that I might be ruining my future. What if something happens and I regret my decision?

Now, I could continue to do everything – work my job and all of my side hustles, but at what cost? I want to start to enjoy life more. Life isn’t all about money. Yes, I could do everything and make more money, but I don’t care about that anymore. At what point is the amount of money that you have enough for you?

To quote the GRS post that I mentioned earlier – what makes me hesitant to pursue passion:

Your career is just one part of your life. You might not become a much happier person just because you do the work that satisfies you the most. You have to consider the effects it could have on you as a person besides just having to do the work. You should do the work that gives you balance, and not the work you love the most.

Should I be looking at work just as a way to make money, and keep my passions completely separate? Am I naive for thinking that I can combine both money and passion?

I’ve been doing a lot of thinking lately, and below are some tips to help you figure it out.

Determine why you no longer enjoy your job and why you are thinking about finding your dream job.

Have you always not enjoyed your job? What has changed? If you at one point enjoyed your job, then you need to really think about what you could do to change your job back to your passion.

Test the waters when deciding on your dream job.

I do understand that in some circumstances, you may need to leave your job IMMEDIATELY.  However, if you can control your departure timing, see what you can dive into once you start your passion. You never know, your passion might not be exactly how you thought it was going to be.

Be realistic when finding your dream job.

I always include being realistic in my posts. It’s the most important step when deciding anything! Living in some make-believe fantasy world won’t solve anything. You want to set realistic expectations for what might or might not happen. Your passion might turn out not to be what you thought. You might find out AFTER you have already quit that you actually enjoyed your job a lot, and you might miss it.

 

What about you? Money or passion? Maybe BOTH?

What tips do you have for those looking to work for passion?

Do you think finding your dream job is possible?

 

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113 Comments
Filed Under: Budget, Career, Extra Income Tagged With: Budget, Career, Extra Money, Self-employment

About Michelle Schroeder-Gardner

Michelle is the founder of Making Sense of Cents, a blog about personal finance and traveling. She discusses how her business has evolved in her side income series. She paid off $40,000 in student loans by the age of 24 mainly due to her freelancing side hustles. Click here to learn more about starting a blog!

Comments

  1. Pauline @ Reach Financial Independence says

    May 21, 2013 at 4:12 am

    Happy bday! You have several months behind you to see how side gigs went and what they brought, so you can't predict the future but you can get a rough idea. Looks like you could easily live out of those and do the charity work as well. I wouldn't be too worried since you have different sources of income, and if everything goes wrong, the charity could even manage to give you a basic salary while you look for more work.
    My recent post A forced emergency fund

    Reply
    • Michelle says

      May 21, 2013 at 7:12 am

      Thanks Pauline! And you are very right. I just need to make the leap!
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  2. KC @ genxfinance says

    May 21, 2013 at 4:33 am

    It's difficult to just drop everything behind without holding unto something concrete. And this question, money over passion, have been the choices of a lot of us who has a day job and some side hustle. Its difficult finding the balance as well but they are right, "career is just one part of your life". So I'd still depend on us what choice will we have, which one will we choose.
    My recent post Cash Strapped? How to Start a Business With No Money

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:22 am

      I agree KC, and that's what makes this so hard!

      Reply
  3. Holly@ClubThrifty says

    May 21, 2013 at 6:11 am

    Michelle! I think you know how I feel like this. You've proven consistently that you can bring in a reasonable amount of income. I no longer see what's holding you back! Imagine a life without being restricted by the amount of vacation days you have. A life without a real boss. You can have it all! You just have to take a leap of faith.

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:24 am

      Thanks Holly. You are seriously one of my big motivators! Your comment is my most favorite comment ever 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  4. Even Cheap says

    May 21, 2013 at 6:17 am

    I think both! Going after your passion and figuring out a way to earn an income from it is key. The balance life comes from prioritizing.

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:25 am

      I agree! 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  5. Mitchell says

    May 21, 2013 at 6:23 am

    This issue with me is that my passion is tied to a certain degree with money. Snowboarding, particularly on a nationally competitive level, isn't cheap. Fortunately it isn't THAT crazy, and there are a lot of frugal ways to cut the costs down. Still, a barrier. My current job is boring, frustrating and high paying so I am sticking with it for now with the idea of saving / investing a lot towards buying my freedom in 5-6 years. That will but me in my early thirties, and I don't think that is a bad time to retire! Love posts like these, this is a conversation I wish would gain more traction nationally.
    My recent post 5 Frugal Tips to See You Through to Christmas

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:27 am

      5-6 years is very soon and is a great time to retire 🙂

      Thanks for stopping by Mitchell, I greatly appreciate it.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  6. Lance@MoneyLife&More says

    May 21, 2013 at 6:55 am

    Happy Birthday! We've talked about this at length so you know my thoughts. Make a solid plan and realize the impact it will have on your future 5, 10 and 20 years down the road 🙂 Get diversifying 🙂

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:29 am

      Thanks Lance!
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  7. John S @ Frugal Rules says

    May 21, 2013 at 7:04 am

    Happy Bday Michelle! Like Holly, I think you know my thoughts on this. 🙂 You've proven that you can bring in sustainable income and have a plan of what you want to do. As someone who took the leap last year I have spent the last 11 months wondering why on earth I waited so long. There are virtually no restrictions and you set what you want to do and when. Sure, there is a different kind of responsibility, but it is so worth it in the long run.

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:30 am

      Thanks John! I always love to hear from others who are self employed. Makes me think it's definitely worth it.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  8. debtperception says

    May 21, 2013 at 7:22 am

    Happy Birthday! Money or passion? That's a tough one. My debt killed my passion, and now I'm sorta passionate about killing my debt…so I guess it's more about money right now? I also don't have a job to start and I'm limited in my abilities and do not have reliable transportation. I need to figure out a way to find passion in doing something from home to gain more income to throw at my debt!
    My recent post You’ve Got to be Kidding Me

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:31 am

      Thanks! And there's nothing wrong with it being about money. For right now for me, it is money until I am better prepared.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  9. Ree Klein says

    May 21, 2013 at 7:49 am

    I graduated high school early and immediately took a job…I worked for the next 35 years. I spent the first half of those years building debt and the second half paying it off. So, for me it was about the money. I was really fortunate that I had jobs I really enjoyed and got a ton of recognition along the way. Opportunities and the money made it hard to leave but I always wanted to be my own boss and do something of value.

    Once I paid off my debt, including the mortgage, I began saving so I could give myself a year to make something happen when I left my job. That happened last Oct. In answer to your questions:

    1. Money, Passion or Both? Answer: Both if you can't afford to make it a year without an income. If you have the resources…by all means GET MOVING!!!
    2. Tips for Pursuing Your Passion: Answer: Spend time BEFORE quitting your job to LEARN, LEARN, LEARN. Find others on the web or locally who are doing something similar to what you want to do and follow them, listen to podcasts, read books and watch videos in your subject. Learn about running that type of business. Start with the free options bc you can always add costs later. Write a business plan or, in the case of wanting to write a blog or book, create a detailed book proposal. Boring I know, but it really helps you think things through. If what you want to start is a brick & mortar business, interview other business owners to find out what challenges they face and how they overcome them. ASK, INVESTIGATE AND DOCUMENT. Be careful that you don't turn a passion into a burden.

    Great post, Michelle!
    Ree ~ I blog at EscapingDodge.com
    My recent post Visual Cues Matter

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:36 am

      Great tips! Thanks so much! 🙂 I started working full-time at 16 and haven't stopped since. I want to start enjoying life more 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  10. Happy_Homeowner says

    May 21, 2013 at 8:04 am

    Happy Birthday! 🙂

    I'm with Holly on this one, and I think you know my vote as well. The thing is, all this freelancing stuff is still work! But I have an incredible life balance now that I've never had before. I choose when I work, who I work for, and how much I bring in (for the mostpart). I'm not a slave to anyone other than my own goals, dreams and aspirations. To me, that's living the sweet life.

    Once I created my bare bones budget for freelancing and realized I have contracts that bring in more than that, I stopped stressing about the money. Sure, it sucks when I fluctuates so wildly ($10K one month, $7K the next), but I'm traveling more than ever, getting more done around the house (I love cooking, cleaning, DIY), and I'm running consistently. None of these things were in place day to day when I was stuck in the office jobs!!

    Chase your dream–you're killing it in the income department and will most likely only make more once you take the plunge. 😉

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:37 am

      I agree, it is still work! But I'm all for the better life balance just as you said. It sounds like your life has been super awesome these days, and I hope I can do the same!
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  11. plantingourpennies says

    May 21, 2013 at 8:31 am

    If the side gigs are what you're passionate about, and you've been able to prove they can bring in money, well… The next part seems pretty straightforward. But if the side gigs bore you more than your office job, then I'd hesitate before taking that leap.

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:37 am

      Haha luckily I love all of my side gigs and they do not bore me 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  12. Matt Becker says

    May 21, 2013 at 8:35 am

    I think that different circumstances can dictate one way or the other, but it sounds like you have the full ability to make the choice that you really want. It's certainly possible that you will quit your job and find that you don't love focusing 100% on your side gigs as much as you thought, but you won't know that unless you try. All signs point to you really feeling like you want to cut loose from the day job, and with your income and expenses I don't see any reason not to try it out. It may not work out, but so what? Then you move on to something else. It seems pretty likely that you'll be just fine though. Good luck!
    My recent post Optimizing My Work Commute: Challenging One of My Money Rules

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:38 am

      Thanks so much Matt! And you are right, if it doesn't work out, then I'll just move on to something else.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  13. Tie the Money Knot says

    May 21, 2013 at 8:36 am

    For me, it's taking care of needs first – which means a job, salary, etc. With kids, I can't think of pursuing my passions first. That comes second, as a side gig.

    Now, if I had pursued my passions years ago when starting out, that might have been a better time to jump all in. If one can do that, I think it would be great!
    My recent post Wedding Loans: Financing The Big Day

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:40 am

      If we had kids, it would most likely be a completely different story. Thanks for stopping by 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  14. Financial Samurai says

    May 21, 2013 at 8:52 am

    It's a tough dilemma. Since you have side income that is more than your expenses, stability might be an illusion. You might save less for retirement, but you'll still be stable.

    I'd say keep on going for several more years. See if your passive income streams can cover your monthly nut and then make the move. You've got the world ahead of you no problemo!

    Good luck!
    My recent post Documents Needed When Renting An Apartment

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:42 am

      I definitely want to work on my passive income and that is something that I will be working on extremely hard until I make the switch! 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  15. Kyle@DebtFreeDiaries says

    May 21, 2013 at 8:55 am

    I read somewhere that the best time to strike it out on your own is before 30. Apparently after 30 it's much harder to recover financially than beforehand, so now is probably the best time to try things on your own! I've also talked to an estate and tax attorney (for the millionaires) and he says anyone who is financially well-off always has at LEAST 3 income streams. With all your side income, I'm imagining that you're already pretty well diversified. I believe we are meant to work for money for a certain part of our life, until we can create enough residual income to live our lives the way we want. My question to you is, do you feel like working is sacrificing your lifestyle? If so, do you still NEED to make that sacrifice?
    My recent post Bitcoin: Potential Investment or New Outlook on the Economy?

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:43 am

      Thanks so much Kyle! I do feel like it is sacrificing my lifestyle. I'm working so many hours and not enjoying life as much right now. Life is good, but it could be better 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  16. Amanda says

    May 21, 2013 at 9:05 am

    I know I Tweeted this to you when you asked, but the answer for me is neither. I took a job in what I thought would be a "passion", but after 4 years on the job, that passion is – without question – dead. I'm still here though, because my attempts to find a new job have not yet been successful. I suppose I'm technically working for money, because I can't afford to not work, but the pay is really low…

    I'm hoping my next career move will be a combination of passion and money. (Don't we all?) I want to enjoy my job, and be be fairly compensated for it. That's all. I don't have to LOVE what I do, and I don't have to be paid millions either. Here's hoping!
    My recent post It’s Going to Take Me 100 Years to Pay Off My Student Loan

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:44 am

      I'm sorry Amanda, I hope you find something that you love soon. Passion plus money is the best combination 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  17. SavvyFinancialLatina says

    May 21, 2013 at 9:07 am

    I think of this every day! Maybe the circle we hang out just has that kind of freelance spirit :p
    Right now I'm not a a point in life where I can freelance and support us. But I am working on diversifying my income. Hopefully, now that I finished school, I can concentrate more on this. Although I think it will take a couple more years for me.
    If freelancing doesn't work for you, you can always go back to work. Being young and having no kids is the best time to venture out.
    My recent post I Got My First Raise

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:45 am

      Haha yes the pf community definitely has the freelance spirit! And thanks so much 🙂

      Do you think that you will ever become self employed? Or is your current job your passion?
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  18. MakingSenseofCents says

    May 21, 2013 at 9:23 am

    I agree! If I were able to dedicate more time to it, I can only imagine where I could go with it.
    My recent post Pursuing What I Love or What Brings in the (Stable) Money

    Reply
  19. Budget & the Beach says

    May 21, 2013 at 9:24 am

    Happy Birthday! I've seen your side income and you could EASILY live off that. You make more in side income than what I sometimes make in a month and I live in LA! Of course you can't predict that every month will be so great, but you can get a general idea based on the last six months or so. My advice would be to try living off only your side income for six months (and hey what a great way to save). You will have to make adjustments but this way you can test the waters to see what it's like living off that income. Also trust your gut about what you want to do…if you aren't ready then that's OK…it doesn't matter what everyone else is doing. For me I'm at a point where I wouldn't' mind a boring but steady job with benefits, as long as it allowed me to pursue what I really like on my off time…which I would hope to have plenty of. I've had a rough time freelancing, but that's just me. It looks like most people have done really well. Of course in a perfect world I would love to make money and do what I'm passionate about…unfortunately I don't know what kind of "work" I'm passionate about anymore. It used to be video editing, but I've been doing it for so many years I'm burned out on it being a passion. Good luck with your decision.
    My recent post Gratitude

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:47 am

      Thanks so much! And yes we could definitely live off of what I make from my side hustles alone, and still be saving a decent amount. We will definitely be trying to live on my side income alone and see how that goes.

      And I hope you find out what your passion is! I'm sure burnout is somewhat normal.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  20. MakingSenseofCents says

    May 21, 2013 at 9:37 am

    Thanks so much Jacob! 🙂
    My recent post Pursuing What I Love or What Brings in the (Stable) Money

    Reply
  21. WilliamBitetheBullet says

    May 21, 2013 at 9:41 am

    Happy birthday Michelle!

    May an old dinosaur comment on one of your statements? " it’s hard not to think about how boring and routine everything has gotten."

    I hate to break it to you, but anything and everything becomes boring if you do too much of it. There was a time when my wife and I were rolling in the money and we ate at the most expensive places regularly… too regularly, as it turned out. Because after a while the pleasure just wasn't there any more. Now we don't do it more than once or twice a year, and it has become remarkable again. My mom lives in a place with one of the most spectacular views in the entire world. Everyone in the neighborhood has remarked on how they loved the view for, like the first 3-6 months. Now they don't even notice it any more. Recently we visited Yosemite and talked with some people who work there. Even they stop noticing the beauty around them. Boredom can hit you in the most awesome situation.

    Yes, there is such a thing as a "grind" job, but breaking away from that job will not in and of itself cure you forever of the boredom. If you watch Brain Games, the new show on National Geographic, you'll have noticed how they keep highlighting quirks and deficiencies of the human brain. This is one of them. If actually has a name (I forget what) and it's been studied extensively.

    Breaking the boredom thing requires you to manage your mind as much as your circumstances, maybe even more.

    My recent post Retirement: Do You Know This?

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 9:50 am

      Haha I always accept comments from old dinosaurs 🙂

      You are right. Too much of something will get boring, and that's why I stop and wonder if I'm just being young and crazy.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
      • nicoleandmaggie says

        May 21, 2013 at 2:26 pm

        Cloud over at wandering scientist has some good blog posts about being a Scanner. Nothing wrong with being a Scanner!

        Reply
        • MakingSenseofCents says

          May 21, 2013 at 2:38 pm

          Thanks! Will definitely check this out 🙂
          My recent post Pursuing What I Love or What Brings in the (Stable) Money

          Reply
  22. MakingSenseofCents says

    May 21, 2013 at 9:47 am

    Thanks so much Jake. That's good that you have a nice mix. What do you do? 🙂
    My recent post Pursuing What I Love or What Brings in the (Stable) Money

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 1:23 pm

      I'm an analyst too and it's really not that horrible, but working for myself sounds more pleasant.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  23. therandompath says

    May 21, 2013 at 10:03 am

    Happy Birthday Michelle!

    Only you can make this big decision, but that being said…You are young and at 24, you still have the whole world ahead of you. If at any point in your life you were going to make a big decision like this, now is the time! As you get older, there may not be the same opportunity, especially when you have little kiddos 🙂

    Go for it!!!
    My recent post Frugal Jewelry Display

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 1:23 pm

      Thanks! And yes this is what I keep thinking about. Right now is much better than when we have children running around.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  24. Cece says

    May 21, 2013 at 10:13 am

    Go for PASSION! In comparison to doing what you love money is overrated.
    My recent post Life Lessons From The Office

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 1:24 pm

      Thanks Cece!
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  25. Cindy Brick says

    May 21, 2013 at 10:59 am

    Can you get a leave of absence from your current job? Two or three months off, and pursuing your side gigs, will tell you a lot about whether you want to do just that permanently.

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 1:25 pm

      Hmmm I don't think that would be possible. I wish though!
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  26. debtroundup says

    May 21, 2013 at 11:17 am

    What a post Michelle. First, Happy Birthday! Second, you know how I feel based on my post last week. My passion was my online electronics store, but then it became work. I didn't enjoy it anymore and it was severely affecting my relationships and health. That is one thing that scares me about going into self-employment. What stops you from becoming too dedicated to your current side hustles, which in turn makes you disliking it?
    My recent post Low and No Down Payment Mortgages Are Still Available

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 1:25 pm

      Thanks! And yes that is something that I have been thinking about also. Does it all eventually just become "work?"
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
      • debtroundup says

        May 21, 2013 at 1:30 pm

        I think it can just become work if we spend too much time on it and forget about the other things that are important in life.
        My recent post Low and No Down Payment Mortgages Are Still Available

        Reply
        • MakingSenseofCents says

          May 21, 2013 at 1:33 pm

          You are right. I am hoping that I will continue to enjoy everything. But I guess we will never know! All I know is that right now, this is not working for me haha
          My recent post Pursuing What I Love or What Brings in the (Stable) Money

          Reply
  27. Lena says

    May 21, 2013 at 11:42 am

    Happy Birthday! Have a wonderful day today! I work for mostly for passion and a little bit for money. I do what I care about, and that's why I enjoy it so much!

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 1:25 pm

      Thanks! And that is great Lena 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  28. Brian says

    May 21, 2013 at 11:45 am

    Happy Birthday!

    1. You are young and heaven forbid you take a leap and it doesn't work out you have plenty of time and education to "recover"
    2. You'll never know unless you try and there really is nothing worse than playing the "what if" game about the past

    Personally I work a job I am not passionate about, but I make good money, have plenty of time off and really only do about 16 hours of actual work, so I have plenty of down time to surf the web (I should probably start a blog or something). My wife on the other hand works at a job she LOVES and is very passionate about. We also had a baby last year, so I kind of value the stability of my job.

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 1:26 pm

      Thanks Brian! And YES please start a blog! 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  29. Kathleen says

    May 21, 2013 at 11:47 am

    Your day job makes your miserable and you bring in $5K a month in extra income. What do you have to lose? Happy birthday!
    My recent post Get to Know Another Blogger: Joe, Stacking Benjamins

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 1:26 pm

      Thanks Kathleen. I don't have anything to lose so I don't know why I'm driving myself nuts over this decision haha
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
      • Kathleen says

        May 21, 2013 at 1:43 pm

        you got this, kid!Kathleen O'MalleyFrugalPortland.comBeautifulGiveaways.com

        Reply
        • MakingSenseofCents says

          May 21, 2013 at 1:46 pm

          Thanks Kathleen! I always appreciate what you have to say. And ahhh I know I'm so young 🙁 haah

          Reply
  30. Your Daily Finance says

    May 21, 2013 at 12:51 pm

    First Happy Birthday! And I guess no one can really help you decide on this since everyone's situation is different. You have people that are just more comfortable working and no matter how much they make on the side they will feel more secure working the 8-5. Then you have others that make $300 on the side and they are ready to quit in a flash. Save up some money and work your job if you can if not push forward with the side hustle full time.
    My recent post Make Sure You Pay Your Credit Cards On Time

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 1:28 pm

      Thanks! And yes we definitely plan on saving as much as we can until the time comes.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  31. nicoleandmaggie says

    May 21, 2013 at 1:18 pm

    I had no idea you were only 24! Wow!

    Well, the good news is, if you try something and it turns out you don't like it, you have plenty of time to try something else. You've got a nice safety cushion on top of that. You'll be fine– explore!

    And that's my professional opinion as a (n anonymous– don't sue me) labor economist.
    My recent post holy excrement, I win!

    Reply
    • MakingSenseofCents says

      May 21, 2013 at 1:29 pm

      Haha I try and not share my age too much. I probably come across as bratty and annoying when I say that I'm only 24, but that is not the way I try to sound.

      Thanks so much. I definitely value your opinion, and I think you are right 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  32. MakingSenseofCents says

    May 21, 2013 at 1:27 pm

    Thanks! I'm glad you agree.
    My recent post Pursuing What I Love or What Brings in the (Stable) Money

    Reply
  33. Tina@MyShinyPennies says

    May 21, 2013 at 2:02 pm

    Happy birthday! I think passion vs money is going to be an eternal debate. Not everyone is lucky enough to be able to pursue their passion and make decent money doing it. For me, I'm staying where the money is because this is more of a priority for me right now. Once we've had kids and are more settled, I would be more likely to think about exploring my passion of opening a used bookstore.
    My recent post Simple Things That Make Me Smile

    Reply
    • Michelle says

      May 21, 2013 at 6:06 pm

      A used bookstore sounds wonderful! 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  34. DC@Young Adult Money says

    May 21, 2013 at 4:16 pm

    Happy Birthday!

    I've thought about this at length, though I haven't had to make any sort of serious decision about it since my side income doesn't outweigh my full-time income. That's not to say my full-time job doesn't align with my passions, but the whole working for someone else vs. working for yourself is a huge debate that most people will struggle with sometime or another.

    I think that pursuing your passion as a full-time gig is a good move, mainly because the work you produce is likely to be higher quality vs. a job/work that you do not enjoy.
    My recent post 5 Ways to Stand Out and Provide Value early in your Career

    Reply
    • Michelle says

      May 21, 2013 at 6:07 pm

      Thanks DC! 🙂

      It is a hard decision, and so many people feel differently about it. I'm going to sit on it for a little longer and decide 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  35. Michelle says

    May 21, 2013 at 6:08 pm

    Thanks! We should definitely keep in touch with this subject 🙂
    My recent post Pursuing What I Love or What Brings in the (Stable) Money

    Reply
  36. LivingDFRocks! says

    May 21, 2013 at 7:07 pm

    First off Happy Birthday Michelle 🙂

    I believe you already know exactly what you want to do. You are prepared for it and you are able to sustain the side hustle. Of course you may have ebbs & flows which is normal with us self-employed peeps but your side income alone every months exceeds your baseline costs. I tend to feel the fear and do it anyway and so far it's worked out for me more than just fine 🙂

    Reply
    • MakingSenseofCents says

      May 22, 2013 at 9:08 am

      Thanks! And haha yes you are right, I do know what I want to do 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  37. debtandthegirl says

    May 21, 2013 at 9:21 pm

    Hi Michelle. This is one of the best posts I have seen here. I think the fact that you are even considering this is huge. It seems like you have been doing really well with side $$ for a while. Maybe save a little more and then strike out on your own? Good to have atleast 6 months savings or even 12 months if you can. The I say do what you love.
    My recent post Being Knowledgeable about your Mortgage

    Reply
    • MakingSenseofCents says

      May 22, 2013 at 9:09 am

      Thanks! Glad you enjoyed this post 🙂

      And yes, I definitely want to save as much as we can so that we don't regret this decision.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  38. Alex says

    May 21, 2013 at 10:07 pm

    I'm a both kind of guy. I think part of the reason I can feel passionate about side hustles like writing is because they don't have the pressure of a regular job. My side hustle doesn't pay my bills, so it involves less stress.

    I've heard people say that if they did what they love for a living, it wouldn't be something they love anymore. I'm not sure that this applies to me, but I've thought about it before.
    My recent post Learning New Things: Making a Windows 8 App

    Reply
    • MakingSenseofCents says

      May 22, 2013 at 9:09 am

      I have heard people say that before. That if you love something, you should not make it your job because then you will hate it. Hopefully that does not happen to me!
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  39. Jenny@FrugalGuru says

    May 21, 2013 at 10:35 pm

    Get a nice, healthy cushioned saved up, and get health insurance lined up before you quit. Then go for it. 🙂
    My recent post When Thread Count Is A Ripoff

    Reply
    • MakingSenseofCents says

      May 22, 2013 at 9:09 am

      Definitely plan on doing all of this. Thanks! 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  40. Mr. Bonner says

    May 22, 2013 at 1:31 am

    Happy Bday! You share it with my youngest who turned 1 today.

    I'm facing a similar dilema, so I'd love to hear more about your thought process. I've been in my field for over 7 years with one company and while I'm pretty happy here I'm wondering what else is out there. I'm afraid if I head down this path much longer then before I know it 20 more years will go by and I'll be heading into retirement without ever really getting out of my comfort zone and challenging myself.
    My recent post Driving is more expensive than you might think

    Reply
    • MakingSenseofCents says

      May 22, 2013 at 9:10 am

      I agree! This is exactly how I feel. May I ask what field you work in?
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  41. ashley says

    May 22, 2013 at 10:04 am

    happy belated birthday! This is a great post because I'm facing that problem now. Im not as young as you unfortunately, but deciding whether or not to really put all of my energy into building my blog and brand with the high risk of not making great money is scary (but exciting too). Happy to hear you are following your passion instead of dollar signs!
    My recent post 9 Great Ideas to Make Money on the Side

    Reply
    • MakingSenseofCents says

      May 22, 2013 at 1:15 pm

      Thanks Ashley! Do you have a full-time job currently? Or are you working on online hustles? Tell me! I'm interested 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
      • Ashley says

        June 3, 2013 at 2:21 pm

        I am still working as a fit model since it is great money and the hours are flexible enough to still give the blog enough attention. I really need to start monetizing on the site now, though. I want this to be my full time gig and I believe I can make it happen!
        My recent post Checklist: If and When Should I Quit My Job to Follow My Passion?

        Reply
  42. Keren says

    May 22, 2013 at 10:08 am

    1. What is your job? Do you work full-time? Stay at home parent? Go to school? Is this your dream job? I work full time, own my own side business, and just started my own blog as well.

    2. What is your biggest pet peeve? Hypocritical people, bad grammatical/spelling skills, and bad drivers, haha!

    3. What are your financial goals? To retire early? Start your own business? Pay off your house? Pay off ALL debt and have a healthier and happier homestead. I'm still on the fence whether I want to eventually take the leap to leave my day job, though. That path has not yet been paved.

    4. How much do you spend on food per month? Family of 4, between $400 and $600.

    5. What would you do if you had no debt? How much debt do you have? Total debt including student loans, consumer debt, mortgage, etc., is about $190K. If I had none, I'd save the crap out of my income and travel a bit as well.

    6. What is your dream income/salary? Enough to sustain my family debt free and save for the future.
    My recent post Why you should stop drinking soda

    Reply
    • MakingSenseofCents says

      May 22, 2013 at 1:15 pm

      These are all my pet peeves also! Glad I'm not alone. And great job on your food budget!
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  43. Shannon@HeavyPurse says

    May 22, 2013 at 12:38 pm

    Happy BIrthday Michelle!! I understand your worrying and I think it's natural and good. It's a big decisions and you're thinking it through to make sure it's right for you. You're doing great with your current side hustles, and there is no reason that number wouldn't increase if it had your full attention. For me, passion trumps money. I make a good living, but this is because I LOVE what I do. Not that I don't have bad days, because I do – but I get up eager to start my day. My passion for helping others with their finances and becoming financial literate drives me to continue building my practice, which ultimately increases my earnings. I will also share with you from working with wealthy clients and far less wealthy clients that it was the amount of money they had that defined their happiness – it was doing something they loved and how they used whatever money they had.

    Reply
    • MakingSenseofCents says

      May 22, 2013 at 1:16 pm

      Thanks Shannon! I was hoping that you'd come by and leave a comment 🙂 I always value your opinion.

      That's good that you do what you love! I hope to be the same way also.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  44. christie says

    May 22, 2013 at 2:11 pm

    You are 24 years old. Go Play! Make some memories that you will always look back on. You have the income / savings/ debt level that you can quit your day job and still make responsible financial decisions.

    Reply
    • MakingSenseofCents says

      May 22, 2013 at 3:15 pm

      Thanks Christie 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  45. shopaholicsavers says

    May 22, 2013 at 4:35 pm

    I understand exactly the way you feel! I graduated college young and got a full time job but I hated the lack of freedom. I knew that I was miserable and needed to do something about it. So I left the security of a full time job and I've never looked back. I just started my Master's Degree so that I can have the career I really want which is teaching at a college or university. And guess what? They are paying me to teach college classes at the university while I earn my degree and paying for me to go to school! So I'm getting to start my career even earlier than I hoped. In addition, I still work part time as a server for extra income, have an online book business, run my website and spend my free time doing things to save us money. Guess what? I'm 100 times happier than I was at that horrible company where all I did was work. You know where you will be in a year if you stay at your current job but you never know what great things will happen if you leave. And you have the wonderful advantage of knowing you can afford it! When I stopped working full time I didn't know how I was going to pay my bills but sometimes life is about risk! And leaving your full time job would be a lot less of a risk for you than most people. This is what I wish someone had told me when I was working full time. Good luck! You won't regret it!

    Reply
    • Michelle says

      May 22, 2013 at 11:37 pm

      Wow that is awesome! Sounds like things are going very well for you 🙂 Thanks so much for your help.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  46. kimateyesonthedollar says

    May 22, 2013 at 7:22 pm

    I'm belated, but Happy Birthday. I would stay with your day job until you decide what you want to do about buying a house. It's harder to get a mortgage without W2 income. After that, I'd see what the next few years held. If you want kids, quitting the day job would be a great thing if you can maintain your side income. Personally, I would keep the regular job until I had kids. You think you have no time now, but having a baby really takes away any free time you have for a while. It would be nice to work on your own schedule at that point. I think you'll find a way to be successful, even if that means living on less money. Resourceful people generally do.

    Reply
    • Michelle says

      May 22, 2013 at 11:38 pm

      Thanks Kim! And yes we have been trying to plan it all out for how it will relate to the house.
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  47. Brian says

    May 22, 2013 at 9:31 pm

    I would say that while I like my job, I would rather have the freedom to pursue whatever project I wanted. That's part of the journey though, we will eventually reach financial independence and then be able to go after whatever we want!

    Reply
    • Michelle says

      May 22, 2013 at 11:38 pm

      Thanks Brian! 🙂
      My recent post Pursuing What I Love or What Brings in the (Stable) Money

      Reply
  48. daisyprairieecothrifter says

    May 23, 2013 at 8:05 am

    Happy birthday Michelle! I think more along the lines of the quote of the person from the GRS post you have up there. I know that if I quit my job to do something I was passionate about, I'd be giving up other things I'm passionate about because the first thing (the thing I do for work) would take over. When you rely on something to make a living, it becomes a lot less thrilling.

    Reply
    • MakingSenseofCents says

      May 24, 2013 at 9:26 am

      You are right Daisy. It's a tough decision!
      My recent post Negotiate for a Raise or Work on Side Income?

      Reply
  49. Savvy Scot says

    May 23, 2013 at 6:54 pm

    Many (belated) happy returns! Hope you had a great Birthday Michelle – heck this post got a lot of comments!

    For me both are 100% required. Money and Passion are equally important to me as I believe I need one to feed the other. Without money I can't fulfill my (expensive) passions; diving, traveling, wakeboarding, skiing etc. But without passion in what I do I won't earn the maximum amount of money for my time; If I enjoy what I do at work and give it my all, I will get promoted and given better opportunities to earn more money – this requires passion and enjoyment in what I do!
    My recent post A Promise of Paradise – Why I am Not Buying Property in Mexico

    Reply
  50. Savvy Scot says

    May 23, 2013 at 6:54 pm

    Many (belated) happy returns! Hope you had a great Birthday Michelle – heck this post got a lot of comments!

    For me both are 100% required. Money and Passion are equally important to me as I believe I need one to feed the other. Without money I can't fulfill my (expensive) passions; diving, traveling, wakeboarding, skiing etc. But without passion in what I do I won't earn the maximum amount of money for my time; If I enjoy what I do at work and give it my all, I will get promoted and given better opportunities to earn more money – this requires passion and enjoyment in what I do!

    Reply
    • MakingSenseofCents says

      May 24, 2013 at 9:27 am

      Thanks Scot!

      Money and passion is definitely a requirement of mine as well. I'm excited to see where this takes me!
      My recent post Negotiate for a Raise or Work on Side Income?

      Reply
  51. Julia says

    June 27, 2013 at 2:37 pm

    As much as I would love to work for passion, my main thing is for money. It’s more important than anything (especially in this economy). Money does a lot more things than passion can never do: pays your bills, feeds you, clothes you, puts a roof over your head,gets you more respect in society, etc. People who say they work for passion MIGHT say they love what they’re doing, but really they don’t (& they know it) because it’s not making them any money. Money makes the world go round and that’s the ONLY thing that matters (& should matter).

    Reply
    • Lathindu says

      July 6, 2019 at 12:20 pm

      All of the above that you said the money can do is just a list of priority.if you see this msg look back at you’re life when you’re 50-60 and try to be happy about earning money and respect for 50 years of you’re life.if you want examples I could not give you a better one than Jk Rowling.maybe look in to some of the top tier people you will realize it’s not thire desire for money that got them there it’s thire passion and talent.if you’re gonna speak so low of being passionate about something you’re laughing at those people who has enough to drown you in money(the very thing you rely you’re life on)

      Reply
  52. Done by Forty says

    July 9, 2013 at 1:28 pm

    For most of my life, I was certain that teaching English would be my life’s work. Then I taught for a while, and realized, like you noted, it was not exactly what I thought it would be. I think I just confused my experiences in the classroom as a student as being similar to what my experiences would be as a teacher. They just turned out to be very different, and when I realized that, I moved on. No big deal — it was better that I earned my credential and gave it a shot, instead of not doing it and wondering what might have been.

    Anyway, you close with some excellent advice: pursue passions, but be realistic.

    Reply
  53. Bman says

    August 3, 2013 at 9:37 am

    For as long as I can remember I always saw myself in a courtroom defending an innocent victim. Yes, I have always wanted to be a lawyer. I recently graduated college and I can’t afford law school for now. I just got a job as a paralegal and this job is great because I can learn more about my future career. One week after being there my boss was very impressed with my work skills and increased my pay $6 more an hour. However, I grew up with limited amount of money because of many circumstances. Now, I am facing a big dilemma. I have the opportunity of starting my own business, which is not related to law at all and make 10 times more than a paralegal or lawyer. The problem is do I follow my passion or financial stability? Starting my own business would mean more responsibilities, but peace of mind at the same time (Financially).

    Reply
  54. Stefanie @ The Broke and Beautiful Life says

    September 16, 2013 at 9:51 am

    Happy belated Michelle! You’ve already figured out a way to make your passion work for you (all before the age of 24) and that’s excellent. Unfortunately, I don’t think everyone can make that happen and there are legitimate advantages to letting go and starting a “boring job”.

    Reply
    • Patrick says

      July 6, 2019 at 12:23 pm

      Tell that to some of the richest people in the world ask them what they fallowed money or passion

      Reply
  55. Mel @ Trailing After God says

    September 21, 2013 at 4:22 pm

    I worked a good paying job from home but I HATED it. So I would procrastinate getting my hours in and then have to rush to get it done. If I love what I’m doing, I will do it first thing but if I hate it, you can bet I will take my sweet time. The job started interfering with family time and it just wasn’t worth it. Once I quit, it was a huge sigh of relief. Now I realize that we can’t always quit a job because we hate it but I have found that when you hate it, it is time to look for something else.

    Reply
  56. Christine Berry - Wealth Way Online says

    July 7, 2014 at 5:24 am

    I’m just looking through some of your old posts and man, I’m glad you took the leap of faith. I’m sure you are too.

    Reply
    • Michelle S. says

      July 7, 2014 at 6:32 am

      Yes, I am extremely happy! 🙂

      Reply
  57. Tiffany Sun says

    February 4, 2015 at 12:49 am

    It’s so rare to find someone (especially your age) to think about what you truly want to do in life…to do what you’re passionate about. So many of my friends just go through their 8-5 jobs and don’t seem to be so satisfied with their life.

    I know this was more than 1 1/2 years, but how has your work life since then?

    Reply
    • Michelle S. says

      February 4, 2015 at 1:15 am

      Hello!

      Life is much better now that I run my own business. Pursuing your passion is well worth it 🙂

      Reply

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My name is Michelle and I'm the author/owner of Making Sense of Cents. Learning how to save money and make more money changed my life. It allowed me to pay off $40,000 in student loans, start my own business, and I now travel full-time.

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