Why Financial Independence Is So Important, A Rant About Jobs

Lately, I’ve been annoyed with my job for a few days in a row. I’m in consulting, which means my workload can go from zero to pure hell in a matter of days. Sometimes it’s very easy (and boring!) and sometimes I’m stressed to the max. This is why financial independence is so important.

Your Job Can Be A Bitch

However, usually, I can shake off that stressed-out feeling. But last week it felt like I was unable to do so. Right before I went on holiday, there was a lot of crap going on at one of our clients. The project was behind schedule, the client was unhappy, our project manager kept micromanaging me despite me telling him not to.

Then I went on holiday, and for two-and-a-half weeks, everything was fine. When I came back, the sun was still shining. But then I heard the project didn’t finish while I was away (as was planned) and instead got escalated to our director.

Suddenly I had to cancel other clients to work for this one again. Currently, I’m working long hours again and the work doesn’t feel right. It’s not that the job itself sucks, or that my company sucks, it’s just this fucking project. That’s why financial independence is so important. You want to be able to go without your job.

Fuck You Money

Perhaps having fuck-you money is the best thing in the world. Having money in the bank gives you a lot of options. If you don’t like something at work, you can tell your boss without the fear of being fired and being unable to pay the bills.

With a few months worth of spending in the bank and perhaps a few years worth of spending in your investment accounts, you’re getting really close to the fuck you mentality regarding money. Things just don’t get to you as easily anymore.

Now I have told my director that this is not the way I want to work. If things stay like this, I might become very unhappy, I told him. And in today’s economy, where there are twice as many jobs as there are applicants (at least in my industry), I can be that bold.

It’s not that I want to leave. It’s just that if I have to leave, I don’t care. I can have another job next week if I need to. But the beauty is, I won’t need to accept a job next week. I can keep searching and pushing for a better one because I have money in the bank that pays the bills while being out of a regular paycheck.

Financial Independence Is About More Than Money

Financial independence is also about peace of mind. And because I’m striving towards financial independence, my mind gets eased more and more every day. Every day I’m getting closer to my next paycheck, which buys me more stocks. And every day brings more and more returns to my portfolio.

It’s also about having options. About giving yourself 120% every day. Your motivation for doing so might come from the urge to earn a lot of money. But people notice that you’re a hard worker. People who deliver results every time are in demand, so you’ll build a network.

Networking As A Side Effect

Last week, I got offered a job at one of my clients, as well as a new business opportunity that I can’t really talk about at the moment. I will talk about that when the moment comes, don’t worry!

What I do want to talk about, is the job opportunity. This client is a well-respected company that’s clearly doing well. I’ve been working with them on and off for over a year now. Last week, their CFO jumped into my room, closed the door and point-blank told me that if I ever want to change jobs, I have to call him first. They want me on board and will create a role for me if I decide to join them.

Moving to the client wasn’t something I was considering when I drove over there. But after that conversation, this little bug got stuck in my head.

On the one hand, I don’t really want to leave my current job. I’m there for just over 1.5 years now and I would like to spend a little more time with them.

On the other hand, this company might be a good long-term play for me. I get to work directly under the CFO, which, in a company of 600 employees, isn’t a bad position to be in. Also, I think they pay really well, although that’s just an assumption. Thirdly, I get to go way more in-depth than I get to go as a consultant.

During the meeting, I told the CFO that I was pleasantly surprised with his offer and that I would consider it. But I also told him not to get his hopes up, since I’m quite happy at my current job (and switching over to the client can be difficult contract-wise).

I have no intention to change jobs right now, but I’m glad to know the option is available if my current job keeps throwing shitty projects as my current one. I know it most likely won’t stay like this, but it’s comforting to know I can move.

Financial independence is so important! Not just because of the financial benefits, but also because of its side effects. Have you ever experienced the joy that the road to FI brings you?

4 thoughts on “Why Financial Independence Is So Important, A Rant About Jobs”

  1. Very relatable. I was in a similar situation a few years back. I had taken a job I overqualify for because of the bad economy being very hard on the sector I work in. The workload got very bad and after a while I just had enough. I just walked away from the job without having anything else lined up. That would have been very hard to do without that pile of FU money in the bank.

  2. You are in a good position B, even if you are having tough time now!

    It definitely helps in the business world when you are not dependent of your employer. You don’t need to tolerate shit as much. I aim to be in a similar position in the future. I should not stress about money almost at all since I have it quite much already I, but my mind does not think rationally..

    – Financial Nordic

  3. Having a decent amount of savings gave me the courage to ask for a raise. Asking is not common in my company, and actually getting a raise even more uncommon.
    It helped in truthfully saying ‘this is not about money, but about recognition of my efforts’.