#33: Should You Quit Your Job? The #1 Step to Take Before Leaving Your 9-to-5

Episode Summary: Thinking about quitting your job to stay home? Before you make that leap, there’s one critical step you must take to avoid financial stress and regret. In this episode of Mom’s Roadmap Home, I walk you through why the traditional 9-to-5 career model is disappearing, why relying on one paycheck is risky, and the financial and faith-based steps you need to take before you resign. If you’ve been feeling restless at work or wondering if God is leading you to something new, this episode will help you gain clarity and confidence as you make your transition plan.

Key Takeaways:

1. Job Security is Fading – Layoffs, automation, and contract work are replacing traditional careers, so it’s essential to have a financial backup plan.
2. Multiple Streams of Income Create Stability – Diversifying income through remote work, freelancing, or business ownership is the future.
3. Faith Over Fear – If you feel God nudging you toward change, trust His timing and seek His wisdom before making a big decision.
4. Test Living on One Income First – Before quitting, simulate life on a reduced budget for 90 days to see if your finances can handle it.
5. Build an Emergency Fund & Reduce Debt – Having 3-6 months of expenses saved up will give you confidence and security when transitioning.

Timestamps & Highlights:

• [0:00] – The workforce is changing: Layoffs, AI, and cost-of-living increases make traditional jobs less secure.
• [2:04] – Why moms need to rethink job security and create financial independence.
• [4:21] – Biblical perspective: God is your provider, not your paycheck (Matthew 6:31 & Proverbs 31).
• [5:36] – The future of work: Freelancing, remote work, and home-based businesses are rising.
• [8:15] – The #1 step before quitting your job—Test living on one income for 90 days!
• [10:12] – How to build an emergency fund and reduce expenses before resigning.
• [12:02] – Finding your freedom number: How much money do you need saved before quitting?
• [16:22] – Getting your spouse on board and making a family transition plan.
• [18:54] – How to create a financial exit plan and bring in extra income before leaving your job.

🎁 Get Your Free Financially Secure Mom Checklist!

Not sure where to start? My Financially Secure Mom Checklist will walk you through the exact steps to create a financial safety net before quitting your job. This checklist includes: ✅ How to build an emergency fund ✅ A simple budgeting guide to test living on one income ✅ Tips for cutting expenses & paying off debt ✅ Ideas for side income streams to replace your 9-to-5 paycheck

📩 Grab your free checklist here: Financially Secure Mom Checklist

 

Today’s Steps to Add to Your Checklist:

Here are the steps from today’s episode that can be added to the Financially Secure Mom Checklist:

✔️ Assess Your Job Security ✔️ Test Your Finances ✔️ Build an Emergency Fund ✔️ Cut Unnecessary Spending ✔️ Create a Side Income Stream ✔️ Talk to Your Spouse & Make a Plan ✔️ Download the Financially Secure Mom Checklist