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How to Quit Your Job in 90 Days and Enjoy More Time with Your Family: A Proven Strategy for Financial Independence

Imagine waking up every morning, knowing you no longer have to rush to a job you dread. Instead, you have the freedom to spend time with your family, pursue your passions, and live life on your terms. This isn’t just a dream—it’s a reality that you can achieve in 90 days by following a strategic plan. Here’s how I did it, and how you can too.


The 9-5 grind can be exhausting, but it doesn't have to be your forever. In this blog, I’ll share a step-by-step plan to help you quit your job in 90 days and transition to a life where you can enjoy more quality time with your family. This journey involves achieving financial independence through practical tips and strategies, focusing on building multiple streams of income, and ultimately gaining control over your work-life balance.

 Step 1: Determine Your SURVIVAL Number

The first step to quitting your job is understanding your financial needs. Instead of aiming for an arbitrary figure like $8,000 or $10,000 a month, determine your break-even point—the minimum amount you need to cover your basic expenses. This is your SURVIVAL number.

 How to Calculate Your SURVIVAL Number

You can use this budget template on my website or a free budget template online to list your monthly expenses. Here’s a breakdown of typical monthly costs:

- Housing (rent/mortgage, utilities): $1,500 - $2,500

- Transportation (car payments, toll, petrol, insurance, maintenance): $800

- Food (groceries, dining out): $700

- Health care (insurance premiums, doctor visits, medications): $600

- Entertainment (movies, concerts, sports events): $200

- Kids’ Education (public college): $1,500

- Personal care (hair, nails, etc.): $200

- Clothing and accessories: $250

- Travel (airfare, hotel, rental cars): $200

- Pets (food, vet visits): $50

Total estimated cost per month: $6,000 - $7,000. For simplicity, let’s go with a median cost of $6,500 a month as your SURVIVAL number. This number represents the amount you need to cover your basic living expenses, freeing you from the constraints of a traditional job.

 Step 2: Reduce Spending

Reducing your expenses is crucial in achieving financial freedom, but remember, this is temporary. Here’s why expense reduction is a short-term strategy:

- Housing: Negotiate a lower interest rate on your mortgage or move to a more cost-effective rental.

- Transportation and Food: Stay home more to save on petrol, entertainment, and dining out. Buy in bulk from wholesalers like PriceSmart or Costco.

- Travel and Personal Care: Cut back on travel, new clothing, and salon visits. Do your hair and nails yourself.

 Helpful Tool

A helpful app for managing your finances is RocketMoney. This app tracks your spending, identifies subscriptions you can cancel, and helps improve your cash flow. Your goal is to cut back your expenses as much as possible, even if it means temporary discomfort.

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 Step 3: Build an Emergency Fund

With your reduced expenses, you need to establish an emergency fund to keep you afloat while you figure things out. Aim for at least six months of living expenses before quitting your job. Here’s how to calculate it:

- Monthly Expenses (Reduced): $4,500

- Emergency Fund (6 months): $27,000

If you save $2,000 a month from reduced expenses, you’ll have $6,000 in 90 days. You can tap into savings, sell assets, or take on a part-time job to build the remaining $21,000.

 Step 4: Generate Additional Income

This step starts on day one of the 90 days. Use any outstanding vacation days to get dedicated time for your new ventures. Focus on creating recurring and passive income. Here are some ideas:

 Content Creation

I get paid to create content on YouTube and write blogs that I monetize with Google AdSense. Here’s how you can start:

- YouTube Channel: Create a YouTube channel in a lucrative niche you are knowledgeable about. Post at least three videos a week. Use an AI platform like Gling to edit your videos if you don’t know how.

- Blogging: Start a blog on and use AI to help you write posts. Monetize with Google AdSense.

 Membership Platforms

Use platforms like Patreon to build a membership community. Offer skills and knowledge, and use YouTube, blogs, and social media to drive traffic. 

 Affiliate Programs

Join affiliate programs like GoHighLevel, Clickfunnels, and Promote these products through social media and blogs. 

 Scale Your Income

With 90 clients paying $50 per month, you generate $4,500 a month. Combined with your YouTube channel and blog income, this can exceed your survival amount. 

 Lead Generation Strategy

Contact 100 people a day, build relationships, and provide value. Aim for 700 direct messages a week, translating to 3,000 new leads a month. Even with a 1% conversion rate, that’s 30 new clients a month.

 Step 5: Implement and Monitor

Stay consistent and monitor your progress. Adjust your strategy as needed and stay focused on your goals. Remember, the key to success is persistence and adaptability.


By following these steps, you can quit your job in 90 days and enjoy more time with your family. Start today and take control of your financial future!

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