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How To Become Financially Stable and Keep The Job You Love

Last Updated: July 19, 2017 BY Michelle Schroeder-Gardner - 73 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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Find out how to become financially stable and keep the job you love.One phrase I often hear is “Michelle, you’re just lucky. Your story doesn’t really apply to anyone else.”

Someone even tweeted me yesterday and told me that while they liked my story, that it’s just not realistic.

I even had a friend tell me the other day that she hated her job and she felt like she was having a quarter life crisis. She didn’t know what to do next – leave her stable, but stressful job, or finally pursue something she wanted to do?

One of my top tips for anyone who wants to pursue a job they want is to work towards being more financially stable.

It makes the whole process easier because you won’t have to stress about money (as much) and you can focus on other things in life. Being financially stable can make getting or keeping your dream job more possible for many people.

First, lets not confuse what I’m talking about.

The job you want to pursue doesn’t necessarily have to be your “passion” or dream job. The job you are wanting can just be something that allows you to lead a less stressful life and do what YOU want to do outside of work. That could be spending more time with family, traveling, and so on.

Not everyone wants to combine their passion and their careers, and that is completely fine.

However, I don’t think anyone should ever completely hate their lives and their jobs. There are ways around that, and if you are spending a fourth of your life at your job then I think you should at least somewhat enjoy it.

 

It won’t always be easy.

I say this all the time, but great things in life don’t come easy.

A goal wouldn’t be much of a goal if you could reach it with no real effort.

Before I was able to leave my day job, I was working like crazy. I worked full-time jobs while also having a full course load in high school, undergraduate school, and graduate school. It was tough, but well worth it in the end.

You might have to work long hours in the beginning, take on side jobs (more on that below), sacrifice your social life, and more. However, it’s all about that end goal!

Related article: How I’m a Work-Life Balancing Master.

 

Cut your budget.

If you don’t have a budget, then you need to start one now.

If you don’t feel comfortable leaving the job you hate to pursue one you want, then you might want to see if there is anything in your budget you can cut. You can even go a little crazy and create a “bare-bones” budget where you cut everything you can so that you can reach your dream life a little more quickly.

Related article: 6 Ways To Be More Frugal and Save Thousands.

 

Pay off your debt.

Many people say that they don’t feel comfortable leaving their “stable” job because they have debt. Well, pay it off then!

I know that’s easier said then done, but you can always start paying it off now. Create an action plan, pay off that debt, and live a debt free life sooner rather than later.

 

You need an emergency fund.

I am a big believer in a well-funded emergency fund. We have a large emergency fund and we always have. The peace of mind it gives is well worth it.

An emergency fund helps me feel more confident in my business because I know that if one large expense pops up, or if I have a bad business month, then I can fall back on my emergency fund without feeling like I need to give up on my dream life.

If an expense pops up, you don’t want to stress about how you are going to pay for it. You also don’t want to put a large unexpected expense on your credit card that you can’t pay for because that will just lead to debt and interest charges you can’t afford either.

 

Pursue income on the side.

In some cases, you may need to pursue additional income in order to live the life you want to live. This might mean starting a part-time job, creating a side hustle, or adding passive income to your income stream.

I pursued side income for many years, and it helped me pay off my debt quickly so that I could leave the job I did not like and pursue my business full-time. It was hard in the beginning, but it all paid off and I would say that it’s one of the best things I have ever done.

Related page: Extra Income.

 

Have insurance.

Okay, this might sound like an advertisement, but I promise it is not. Having insurance (such as for your car or home), can help you lead a more stable life.

Too many people enter rougher times and eliminate their insurance policies. This can be a disaster because when you finally need to use that insurance, you may no longer have it.

I remember hearing about families who skipped out on paying their annual fire department bill (in some cities you have to pay this separately), and when their homes caught on fire, the fire department saved the people in their homes, but let the animals and the home burn down. Whether or not you agree with that, it has happened in the past, and it can happen again. It’s best to be insured.

 

What are you doing to become financially stable?

Do you have the job you want? Why or why not?

 

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73 Comments
Filed Under: Budget, Business Income, Career, Extra Income, Travel Tagged With: Budget, Career, Extra Money, Frugal, Self-employment, Travel

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. Jayson @ Monster Piggy Bank says

    September 24, 2014 at 4:43 am

    I resigned my previous job without thinking twice. I thought I ‘d made the wrong move, but it turned out to be the best move I ever did bec. when I was at home jobless, that’s the time when I realized my potentials and my dream. Right now, even thought I am not financially stable, I know for a fact that I am on the path towards my dream where both financial stability and contentment are.

    Reply
    • Michelle S. says

      September 24, 2014 at 9:17 am

      Good job Jayson!

      Reply
  2. Mrs. Frugalwoods says

    September 24, 2014 at 5:47 am

    This is really sound advice! It makes me sad when I see friends caught in the cycle of disliking their jobs and so spending tons of money on things to make themselves feel better (clothes, cars, restaurants) and then realizing they need to keep working so they can keep buying, ad infinitum. For me, the biggest thing we’re doing to reach financial independence (in addition to saving a lot) is investing. Hooray for compounding interest!

    Reply
    • Michelle S. says

      September 24, 2014 at 9:18 am

      Yay compounding interest!

      Reply
  3. Holly@ClubThrifty says

    September 24, 2014 at 7:20 am

    I definitely have the job I want but it’s only because I put my mind to it and made it happen. If I hadn’t, I would likely still be in the stressful job that consumed most of my life for 6 years.

    Reply
    • Michelle S. says

      September 24, 2014 at 9:20 am

      Same here. I don’t see how this could be “luck” haha!

      Reply
  4. Christa@ObjectWealth says

    September 24, 2014 at 8:17 am

    I feel really lucky to absolutely love my job. I am a pharmacist and even though it was a lot of work to get there, I am loving what I do. My only regret is that it cost more than $200,000 in student loans to get there. I am working on getting my finances in order though. Eventually, I will get those student loans paid off. That will be a really good day.

    And, like you said, I am creating my side hustle with my blog. I just made my first (little) bit of money through Amazon affiliate! I am going to keep hustling and hopefully really grow the blog.

    Reply
    • Michelle S. says

      September 24, 2014 at 9:21 am

      Good job on making your first bit through your blog. I’m sure it will grow quickly from there!

      Reply
  5. William says

    September 24, 2014 at 8:38 am

    Thank you so much for not just rolling over and saying, “I really am lucky and I realize not many other people can get to my same situation.” It seems like a lot of people back down when facing twitter comments that challenge their way of life.

    Reply
    • Michelle S. says

      September 24, 2014 at 9:21 am

      Thanks William 🙂

      Reply
  6. Virginia says

    September 24, 2014 at 8:47 am

    My issue is that I have a great job that I LOVE and but is pretty high demand (mental health counselor: I have a full time job and a small side hustle in the field), and makes a pretty small amount. I don’t want to leave it, but I also don’t want to live on just-above-poverty income my whole life. It takes a lot of time and so side hustle options are somewhat limited–I can’t be a good counselor and be totally frazzed. I’m thinking of moving towards having my own business unrelated to counseling while still practicing one or two days a week, as a hobby that makes a bit of money. But step one on that path is to pay down debt! Good tips!

    Reply
    • Michelle S. says

      September 24, 2014 at 9:23 am

      Thanks Virginia! I hope you find a healthy balance 🙂 I actually have a few friends who are mental health counselors so I know where you are coming from.

      Reply
  7. Michelle S. says

    September 24, 2014 at 9:18 am

    I’m sure you will do great Glen 🙂

    Reply
  8. Natalie @ Financegirl says

    September 24, 2014 at 10:04 am

    Excellent post, Michelle. I think the point is that having your dream life is attainable, but it may not be attainable today. This list you gave is a great plan to get started in creating your dream life. I’m sure you didn’t wake up one day and have everything you wanted; it took time and planning. Right now, I’m focused on paying off my student loan debt so I can pursue a financial planning career, which will give me more time for family and travel and also fill my days with helping people understand and plan their financial futures.

    Reply
    • Michelle S. says

      September 24, 2014 at 10:25 am

      Thanks! Sounds like you have a great plan as well 🙂

      Reply
  9. Alicia says

    September 24, 2014 at 10:20 am

    I HATE my job. Like full on hate. Makes me absolutely unhappy every Sunday when I know I have to go to work on Monday. It’s messing with my stress levels and I am trying to fix it. But I’m in debt and I don’t have the luxury to just up and quit. So I’m paying down my debt and getting my finances in order so I can jump when I have an opportunity.

    Reply
    • Michelle S. says

      September 24, 2014 at 10:58 am

      It all starts with a plan. I hope you reach it sooner rather than later 🙂

      Reply
  10. Michelle S. says

    September 24, 2014 at 11:02 am

    Thank you Kassandra!

    Reply
  11. Mackenzie says

    September 24, 2014 at 11:02 am

    I’m glad you mentioned about keeping up with insurance payments. That’s so sad about losing pets in a fire b/c of no insurance 🙁

    Reply
    • Michelle S. says

      September 24, 2014 at 11:03 am

      Yes, it is very sad!

      Reply
  12. Aldo @ Million Dollar Ninja says

    September 24, 2014 at 11:19 am

    I like my job and can’t see myself doing any other job. However, it is still a JOB. It’s something I HAVE to do to make a living and that is why I’m working on finding different ways to earn money so I DON’T HAVE to work for money anymore. Like I said, I like my job but I don’t like having to wake up every single morning to make it here on time.

    Reply
    • Michelle S. says

      September 24, 2014 at 11:25 am

      Good luck with your plan! What are you currently doing to make extra money?

      Reply
      • Aldo @ Million Dollar Ninja says

        September 24, 2014 at 11:29 am

        Thank you. Well, I started a blog (not making that much money now, but hopefully it will pick up), started a couple of websites (also not making much money… yet) and I’m working on an eBook. We’ll see how that goes.

        Reply
        • Michelle S. says

          September 24, 2014 at 11:38 am

          Wow sounds like you have a lot going on. Good job! 🙂

          Reply
  13. Thomas @ i need money ASAP! says

    September 24, 2014 at 12:36 pm

    Fantastic post Michelle! Being financially stable is good for stress relief regardless. Doesn’t matter if you’re leaving your job or not, being financially stable will greatly reduce your stress levels. Myself, I’m trying to build my website up so that it can cover my basic monthly expenses. Still a way to go but at least I’m trying something. If it doesn’t work I’ll just try something else.

    Reply
    • Michelle S. says

      September 24, 2014 at 12:45 pm

      Thanks Thomas! I’m sure your money making efforts will be well worth it 🙂

      Reply
  14. Erin @ Journey to Saving says

    September 24, 2014 at 12:57 pm

    Having enough in savings was what did it for me. I would have never been able to decide to give freelancing a go if I hadn’t had my emergency fund in place. Money gives you choices, you just have to take advantage of it by doing what you outlined in the post! Get a handle on your debt and budget, and you’ll be in a better place.

    Reply
    • Michelle S. says

      September 24, 2014 at 1:04 pm

      Yes, an emergency fund is what really helped me feel more comfortable making the leap. I don’t know what I would have done without it.

      Reply
  15. Shannyn Allan says

    September 24, 2014 at 1:07 pm

    I totally agree on this- not everyone has to leave one job for a “dream” job, but you still need to not do something you HATE. If someone is at a job that sucks because they’re in debt, you need to light a fire under your butt, pay it down and then leave. You’re not serving anyone by staying in debt, hating your job, and probably using your debt to fund things you don’t need to cope with it.

    When I was at a job I hated, I started to lose my spark. I’d watch more tv (meaning less side hustle energy to earn more money), eat poorly, drink more and spend more…. I just wanted to cope. When I left, it was like I got my life back and it positively impacted all areas of my life, I wasn’t coping, I was living!

    Great article… it IS realistic. You don’t have to do start your own business but you owe it to yourself to at least leave a job you hate…every person is responsible for their own happiness!

    Reply
    • Michelle S. says

      September 24, 2014 at 1:23 pm

      Thank you so much Shannyn! Having a job you absolutely hate can lead to other areas of your life going downhill. It’s always best to find an exit plan and change your life around.

      Reply
  16. Ced @ FuggingDebt says

    September 24, 2014 at 1:24 pm

    Great point about your passion and your career. They can be seperate but your career should be enjoyable.

    Reply
    • Michelle S. says

      September 24, 2014 at 1:26 pm

      Thank you Ced!

      Reply
  17. Broke Millennial says

    September 24, 2014 at 1:47 pm

    I don’t think your story applies to other people because other people don’t have your work ethic! You’ve outlined how eliminating debt, becoming your own boss and amassing a hefty e-fund can all be done at a young age, but the bigger message is that you worked your tush off. So many folks (and at times myself included) want to just come out and watch TV and do nothing. I can’t image you really let a single moment go to waste while you were paying down debt and hustling to build your own business. Plus, not everyone wants to be their own boss, so it’s about finding your own priorities. All I know is that I have tons of admiration for you and what you’ve built!

    Reply
    • Michelle S. says

      September 24, 2014 at 1:57 pm

      Thank you! Yeah, I’m the type of person who likes to rush through things, but thankfully I’m taking life somewhat slower now 🙂

      Reply
  18. Syed says

    September 24, 2014 at 1:51 pm

    Great post this is essentially a nice manifesto on becoming completely financially stable. I’m all for people finding a job that makes them happy but it needs to be realistic in a way. Because I love basketball and love making money, I think I would be very happy if I was a player in the NB., But that will most likely not happen. But if I can find a job that keeps me happy with a good standard of living while allowing me to play basketball for fun, that’s something I would look for.

    Reply
    • Michelle S. says

      September 24, 2014 at 1:58 pm

      Thanks Syed! Haha playing basketball for a living would be fun 🙂 What do you do for a living currently?

      Reply
      • Syed says

        September 24, 2014 at 4:10 pm

        I’m an optometrist. Which is great, but not as fun as playing basketball 🙂

        Reply
        • Michelle S. says

          September 24, 2014 at 4:20 pm

          Haha yeah not the same 🙂

          Reply
  19. Michelle S. says

    September 24, 2014 at 3:43 pm

    Yes, getting started is a great motivator!

    Reply
  20. Kate @ Money Propeller says

    September 24, 2014 at 3:54 pm

    Hi Michelle, actually, I didn’t expect that working online would be the best job for me. I was working as a personal secretary and I think that was the best, until I found out that I wasn’t happy after all.

    Reply
    • Michelle S. says

      September 24, 2014 at 4:07 pm

      Are you happy now? 🙂

      Reply
  21. DC @ Young Adult Money says

    September 24, 2014 at 6:56 pm

    I think my job is right for me right now. Does that make sense? I’m only a few months in and still on a huge learning curve going from one part of our business to another, as well as from finance to accounting, but I think it’s hard to know whether a job is right for at least 6-12 months. But I think you give some great practical advice here. I think forcing yourself to pursue something on the side first is a good way to judge whether you ever really want to pursue that thing full-time. There are plenty of careers that pay well – trust me, I work with people who are making much more at a career job than most small business owners I know. But anyway it’s an individual choice everyone has to make.

    Reply
    • Michelle S. says

      September 24, 2014 at 7:09 pm

      Sounds like you are doing well DC! Good job!

      Reply
  22. Jean @ NearlyRetired says

    September 24, 2014 at 9:31 pm

    You know, I hear similar comments. Choosing to live on less than we make and save to create an emergency fund allowed my husband and I to make a number of career decisions that have paid off nicely. But looking at us people don’t see the choices (that we still make today) to work extra and live smaller — they just see the end result.

    Congratulations on your choices to prepare for the long term!

    Reply
    • Michelle S. says

      September 24, 2014 at 10:25 pm

      Thank you Jean! 🙂

      Reply
  23. Melissa @ Sunburnt Saver says

    September 24, 2014 at 9:57 pm

    I’m not really trying to pay off debt any faster, but I am trying to shore up my emergency savings and pick up extra income. I would LOVE to have a better work/life balance, but I know I have to be patient! Btw, for what it’s worth, I think your story is realistic and I would LOVE to be your protege if you ever start a mentoring business 😉

    Reply
    • Michelle S. says

      September 24, 2014 at 10:27 pm

      Thanks Melissa! I have been thinking about expanding my mentoring business. I haven’t made it public yet (I mainly just mentor St. Louis small business blogs), but I do offer it to anyone who emails me, just so you know 🙂

      Reply
      • Melissa @ Sunburnt Saver says

        September 24, 2014 at 10:33 pm

        I must work up the courage to come up with thoughtful questions and not waste your time, then! 🙂 Thank you, Michelle!

        Reply
        • Michelle S. says

          September 24, 2014 at 10:42 pm

          Haha welcome Melissa!

          Reply
  24. zaby says

    September 25, 2014 at 4:14 am

    i hate cutting my budget but alas its a necessity

    Reply
    • Michelle S. says

      September 25, 2014 at 10:25 am

      You can do it! 🙂

      Reply
  25. Stefanie @ The Broke and Beautiful Life says

    September 25, 2014 at 7:48 am

    I’m not gonna say there is NO luck in life, but to attribute ALL success to luck is crazy. Just another way people deflect personal responsibility and allow themselves to feel victim to their circumstances. The only reason I’m becoming a successful writer is because my original career path, acting, was so freaking hard and unlucky. Gotta always be looking for opportunities to create luck.

    Reply
    • Michelle S. says

      September 25, 2014 at 10:26 am

      I love everything you just said Stefanie. Yes, there is luck, but not all success is attributed to it. Sounds like you are doing well even though your original career path was unlucky. Your blog is one of my favorites! 🙂

      Reply
  26. Amy says

    September 25, 2014 at 8:15 am

    I’m working to pay off (a lot of) debt, which will make a huge difference in my family’s financial stability.

    I think we’re so lucky that the definition of work has expanded so much, and we can find creative ways to balance it with our lives more. This is especially important for parents, since working from home, working for yourself, job-sharing, and other tools make it possible for both parents to find a way to work.

    Reply
    • Michelle S. says

      September 25, 2014 at 10:26 am

      Good job on working to pay off that debt! 🙂

      Reply
  27. EL @ Moneywatch101 says

    September 25, 2014 at 9:53 am

    This is good advice to prepare for before anyone can make the leap into self-employment. Finding that one thing, which you can do on the side that makes you money, is the enigma that we all need to solve.

    Reply
    • Michelle S. says

      September 25, 2014 at 10:27 am

      Thanks! 🙂

      Reply
  28. Shannon @ The Heavy Purse says

    September 25, 2014 at 12:16 pm

    I do think you are fortunate, Michelle, but I also know you created your good fortune through your incredible work ethic. I’m of the belief that if you truly want something, you’ll figure out a way to overcome all those obstacles. A lot of people get stuck in rut and someone succeeding where they cannot scares them. Love your steps, especially having an emergency fund and insurance. I have never met anyone who lived an emergency-free life. Things always happen and sometimes all at once. And I love how healthy yours is because it frees you to focus on finding new clients when have a bad month, rather than worrying about paying your mortgage.

    Reply
    • Michelle S. says

      September 25, 2014 at 1:38 pm

      Thank you Shannon 🙂

      Reply
  29. Anne @ Money Propeller says

    September 25, 2014 at 12:26 pm

    Starting is the hardest part, for a lot of people, I think. I know it is for me. I have a million and one ideas, but actually executing them is the tricky part!
    Your point about insurance is key, and for Americans, having a plan in place for health insurance, too. That is, if your plan is to become self employed, or to resign without a new job on the way.

    Reply
    • Michelle S. says

      September 25, 2014 at 2:41 pm

      Yes, insurance is very important! I have been going through all of our insurance policies this week to make sure everything is correct.

      Reply
  30. Jason B says

    September 25, 2014 at 1:56 pm

    I am looking to get a full time job again so that I can eliminate my debt. I’m currently working two jobs and I’m not making enough money to actively attack this debt.

    Reply
    • Michelle S. says

      September 25, 2014 at 3:03 pm

      I hope you find the perfect full-time job. Good luck!

      Reply
  31. Dan @ Our Big Fat Wallet says

    September 25, 2014 at 7:06 pm

    I think in your case you are fortunate as you mention but it’s also a lot of hard work that no one sees. I also think people (including myself) read your income reports at face value and don’t realize all the work that goes into it, it’s like a 24-7 hustle. Having 6 websites is crazy, I can’t even keep up with one! haha

    Reply
    • Michelle S. says

      September 25, 2014 at 7:30 pm

      Thanks Dan! It’s definitely a lot of work, but it’s all stuff I love to do 🙂

      Reply
  32. KK @ Student Debt Survivor says

    September 25, 2014 at 7:13 pm

    Right now we’re saving towards possibly buying a second place (we’d rent our current condo and us it as an investment property). We’re also saving for retirement and thinking about the future (when we’ll get married, have kids etc.). When we do have kids, staying at home is a priority for me. I also want to start my own business and I think that will be a great time to take the plunge and try working for myself. Traditional 9-5 jobs will always be there if I don’t like working for myself or can’t make it work.

    Reply
    • Michelle S. says

      September 25, 2014 at 7:31 pm

      Sounds like you have some plans there 🙂 Good job!

      Reply
  33. Brittany says

    September 25, 2014 at 11:04 pm

    There are some really great points in here, and my favorite is your mentioning of not being miserable. There is no monetary amount that can buy me a life of misery!

    Reply
    • Michelle S. says

      September 26, 2014 at 10:40 am

      Thank you Brittany!

      Reply
  34. Laurie @thefrugalfarmer says

    September 27, 2014 at 3:35 pm

    Sing it, Michelle!!! I get so sick and tired of people saying that your situation is “not realistic”. It’s not realistic for those who don’t want to put in the time and the effort, but it absolutely is for those WILLING to work at it like you did to get where you’re at. Having been freelancing officially for a bit over a year now, I can absolutely see how your income is achievable, especially when one works their tail off like you do. GREAT job, my friend. 🙂

    Reply
    • Michelle S. says

      September 27, 2014 at 4:14 pm

      Thank you so much Laurie! I’m tired of it too. The things I hear are ridiculous! It is possible, and there are many people out there who are doing great as well in the self-employment world.

      Thanks again 🙂

      Reply
  35. Veronica Lee says

    October 30, 2014 at 6:32 am

    I hated my job as a computer programmer. I became a SAHM and now love earning some pocket money online.

    Reply
  36. Kathy says

    December 8, 2014 at 4:26 am

    I love this post and the ideas about financial stability. “I quit my job now what” is the website where you can find dream career path you love.

    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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