Conscious Financial Living


Ideas and Opinions

Job Hater

I hate my job. I know most people probably dislike their job, but I hateit. I have been applying to every job that I am qualified for (within a 40 mile radius of my house*) since November 2015. Hating my job has made me realize that I cannot do this for the next 35 years of my life. Something needs to change.

One of the reasons that I started this blog, was to keep myself accountable. There are many things I want to do, and most of those things depend on my financial health. Obviously, I need my job to finance both my needs and wants. Staying honest and broadcasting my goals out in cyberspace hopefully will push me to accountable to my bigger picture. 

I want to retire early. I have worked multiple jobs since graduating undergrad to try to get to an ideal financial situation. I save, monitor my credit score, pay all bills on time...I felt like I was doing ok, and then I bought my house. I chose to take money out of my individual brokerage account (not 401k, IRA, Roth) to put down 20% on the house. I did NOT want to pay PMI.  However, it may have been smarter to put a lower down payment down, given how low mortgage interest rates are. I'm paying less on the mortgage interest than what I would ideally be making on "safe" stocks.

This is the beginning of my financial journey to save enough to retire early-age 40. That gives me 10 years, 2 months, 13 days.

Is that overly optimistic? Realistic? (please let me know your thoughts)

*note that I live in an extreme rural area, so there are no job options North-west-south, only east--towards the great city of Chicago