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WATCH THIS BEFORE YOU QUIT YOUR DAY JOB! - YouTube
Channel: Roberto Blake
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hey there thanks for clicking on this
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video if you're watching this right now
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there's a chance that you either might
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want to quit your day job
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or you might be in the rough
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circumstances where you've been
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fired or you might have been laid off
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and i've been there before myself
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this video is going to help you sort out
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your money your priorities and your
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future if you
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find yourself leaving your nine-to-five
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job for any reason
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and this is going to be my honest no bs
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advice that i wish somebody had given to
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me
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the first thing you want to do is make a
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plan to quit your job
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or for if you are forced to leave your
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job because
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a long enough timeline this is probably
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going to happen
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one of the first things you should do in
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making that plan for exiting your job
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is to look at what happens to your
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health care coverage
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need to know what's going to happen to
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your healthcare insurance
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you need to have a plan for that now if
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you're under the age of 30 and in good
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health you might actually
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qualify for a catastrophic coverage plan
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you want to do your research you want to
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look into this
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but other than that you really want to
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just see what happens at least the next
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30 to 90 days
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when you leave your job and what happens
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to those benefits
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the next thing you're going to want to
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do when you're leaving your 9 to 5 job
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is you want to immediately
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be able to replace that income so the
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thing is i wouldn't wait
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until you quit or until you're fired to
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start
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replacing that income so you're not
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reduced down to a zero
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income you want to be able to start
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making money right away
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hint don't think that you're going to
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start a youtube channel or start a
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business and make money right away
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it usually is not something that makes
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money in the first
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90 days many people do it at a loss for
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years
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so let's think of a real plan for you to
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immediately start making money before
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you even leave your day job
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what you're going to want to do is
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you're going to want to start with
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freelancing just like i did
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or with gig work with one of these apps
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you're going to want to go ahead and
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start
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making as much spare money as you can
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every single day so you can have money
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saved
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so you can pay down any debt or you can
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deal with some of the immediate stresses
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in your life
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knowing that you have another source of
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income
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so if anything happens to that
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quote-unquote good steady
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paying job that everyone talks about if
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something were to happen to that
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you want to know that you're not reduced
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to nothing and that you have the ability
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to take care of some of your immediate
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needs
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now if you become a freelancer you may
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be able as a freelancer or a gig worker
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to join a freelancer's union
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now granted there's a lot of things
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going on so do your research this may
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have changed in terms of your ability to
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qualify for that
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but this might be another way for you to
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get health care coverage
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if you're going to be on your own and
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independent for any period of time
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now before you quit your job make sure
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that you're getting
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everything you can out of your job or
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even before you might be let go or fired
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or laid off if you have a heads up about
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that or if you suspect that's something
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that could happen
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you want to get every single one of the
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benefits that your job offers
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so this might include certifications
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they may offer some assistance with
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going back to school or getting training
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don't put these things off
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go ahead and give up your spare time and
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do the extra work
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get the certifications or any of the
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training or assistance they offer maybe
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they offer some vocational training or
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community college classes for you
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to be able to do go ahead and make sure
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you're doing that if they offer
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any other type of incentives make sure
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that you're getting
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full advantage of those while you still
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have the job
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if they offer any kind of industry
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certifications that would be
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transferable or applied to something
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else make sure you're getting that
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speaking of benefits you'll also want to
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look into your 401k
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if that's something that you've been
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investing in hopefully you have
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and something hopefully that your
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employer offers and matches on
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want to know what would happen to the
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money that's been put into your 401k
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if you should leave the job or if you're
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terminated so before you quit
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or should you be fired you need to know
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what happens to that money that's been
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set aside for your retirement
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i would also look into before you quit
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setting up your own
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solo 401k you want to obviously talk to
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a financial advisor
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or a cpa possibly you might actually
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have this
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free for your bank you may be able to
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talk to a financial advisor
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through your bank at no cost so this is
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something that you'll want to research
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and look into
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before you leave your job you'll want to
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make sure that you're getting as many
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references and recommendations as you
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can and ideally you'll want to
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get some of these on your linkedin
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profile and you want to start
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tuning that up i have a video that you
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can watch i'm going to link an info card
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in the description down below
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if you actually want to optimize your
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linkedin profile
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and kind of put yourself out there build
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your personal brand get your resume
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fine-tuned
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this is going to be important in terms
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of looking for new opportunities
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you might be leaving your 9 to 5 job to
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go and to start
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a better career or a different career
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move to
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a competitor or to a better overall
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position
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and even if you're looking to start your
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own business venture this actually will
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be good when people look you up when
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they google search you
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and this might help you with prospecting
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clients just to see that you're reliable
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and that you have referrals and
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recommendations from other people
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in your previous career so don't
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overlook this it's very important
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to make sure that you're doing this and
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if at all possible when you leave your
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job
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try not to burn bridges if it's at all
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possible
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and leave in the most professional and
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dignified manner
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that you can this is not always an
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option for people
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heck it wasn't even always an option for
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me uh sometimes you have what they call
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irreconcilable differences so just
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be as professional as you can be as
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cordial as you can
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even if other people involved are being
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unprofessional
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then don't let that dictate your
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standards or your reputation
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never want to be in a position where you
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can't look back at your previous career
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with some pride and also
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where you don't have anyone you can turn
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to for a reference
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to your work and to your character so
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this is something you want to keep in
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mind
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now here's a little bit of tough love
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and this is why it's called
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no bs advice don't assume that you're
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going to leave your 9 to 5 job
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and that you're also going to be a good
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entrepreneur
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or that you're going to be able to do
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something on your own like start a
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youtube channel
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and be wildly successful this is
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something that is extremely difficult
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and
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you already have the mindset employee it
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takes a long time to develop
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the mindset of a self-directed
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self-discipline entrepreneur
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when you leave your nine-to-five job you
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need to do things like stay on a
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schedule just like if you were still at
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work
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you have to be consistent and too often
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people leave their 9 to 5 job and
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immediately form
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bad habits so you need to stay
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disciplined
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and you need to go ahead and hold
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yourself accountable but if you are
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going to become an entrepreneur
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you need to realize that it's going to
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take discipline consistency and patience
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and that there's a very good chance that
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you're not going to be able to replace
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that
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income in 30 60 or 90 days
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through an entrepreneurial venture
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that's being
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impatient and wanting to just like have
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absolute freedom
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in a way that you haven't been prepared
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for what i would recommend
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is looking at this as an opportunity to
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hit the reset button
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there's a chance that your previous job
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you weren't in a position
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where you had a lot of experience or
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leverage to negotiate
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a fair or a good salary to begin with
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this may be an opportunity to move
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up in the world and get another job in
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your industry
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but at a better salary now you have
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experience and now that you've worked
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for somebody else and you have
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references
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so this is a new opportunity to move up
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and to take your time and maybe you
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might be in a better position
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to become an entrepreneur while you're
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doing this because now you have a little
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bit more breathing room if you're making
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more money
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the other thing i recommend is like i
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said before you even quit
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have a side hustle if you're making good
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money from your side hustle
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and getting close to the point where it
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can replace your income i would take a
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nine to five job instead of going all
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in on your side hustle or your side
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business if it's actually a business
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i would say make sure that you have some
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kind of stable steady income
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make sure that you're doing gig work
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whenever you don't have the ability for
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your main
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side hustle to you know be lucrative
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sometimes you'll have a bad week a bad
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month there will be clients or there
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will
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be money coming in you want to make sure
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that you always have
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some kind of cash flow because having
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anxiety
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about money is just going to you
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emotionally
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and you're not going to be productive at
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anything if that happens
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i know this is probably not what you
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want to hear especially if you're
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quitting your 9 to 5 job you don't want
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to hear
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get a part-time job or get another job
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that you like a little bit better
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you'd love to probably be an
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entrepreneur but it's very hard to do
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and you should take it
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one step at a time and you should be
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preparing along the way
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and you do that in my opinion by
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diversifying your
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income first and building
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entrepreneurial habits
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because it's hard to break the habits of
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being an employee
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now the way that you're going to start
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to build toward potentially being an
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entrepreneur
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is you're going to need to focus on your
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personal and professional development
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now there are going to be people that
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say that giving up your hobbies and your
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leisure to
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work all the time and to do side hustles
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and gig
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work and to pursue your business and not
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do
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anything else in your free time giving
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up netflix giving up video games giving
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up hanging out with friends there are
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people who are gonna say that that's
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part of the
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toxic hustle culture but you'll also
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find that a lot of those people
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probably never legitimately struggled
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because if they did
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they would know that not everyone has
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the luxury and the privilege
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of work-life balance when they're in a
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difficult financial situation
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or when they're trying to dig themselves
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out of the hole ultimately
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what i tend to believe and what was true
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for me when i was at my worst in the
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last recession
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is that a season of hustle is better
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than a lifetime of hardship
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i want you to repeat that after me a
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season of hustle
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beats a lifetime of hardship working
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hard now
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reaping the benefits later and knowing
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that it was
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worth it i'm not saying it's going to be
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easy i'm saying it's going to be worth
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it
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that is important because at the end of
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the day you have a lot of people
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that think that they can have it all at
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once
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and you can't that's arrogant you have
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to be willing to make sacrifices but
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it's your responsibility
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to make sure that your sacrifices are
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worth it
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and that you're not making them
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unnecessarily and in vain
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that's why having a plan for everything
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is so very important
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and needs to be a practical plan that is
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based in reality
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and something attainable not get rich
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quick schemes and not
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you know delusions of grandeur it needs
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to be something
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that is very practical and very fiscally
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conservative
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what i would recommend is in your free
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time when you want to do something
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that's not work that it should still
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benefit you in the long term i recommend
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having
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a robust fitness routine so you can
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build your stamina and strength building
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a better body
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is going to be beneficial to you no
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matter what happens in life
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and being able to take care of your body
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and preserve your health and your youth
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and your strength for as long as
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possible
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should be one of your number one
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priorities anyway and when you're not
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doing that because you can only do so
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much of that
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and maintain i recommend reading books
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that are helpful
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even reading books for leisure is fine
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they'll always have to be business or
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personal development books
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i have a few recommendations here i'll
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link those down below for you as well
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you can also get a free trial of audible
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and get two free audiobooks
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but i think that reading in your spare
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time is going to help you
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with uh you know taking your mind off of
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things
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it's also going to give you ideas and
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keep you motivated
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and it's also going to help you develop
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more discipline
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in terms of your mind and eliminating
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distractions and just being able to
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focus a lot
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better if you do things like watch
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netflix or play video games
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you're giving your body cheap dopamine
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you're making it
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easy to get distracted and harder to
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focus over a period of time
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those things are fun and i like to do
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them but when i was struggling
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financially i knew that they couldn't be
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a priority
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and i knew that they weren't going to
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help me long term
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they were just going to make me feel
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better and comforted in the short term
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at the expense of working toward my
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future one of the most important things
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you can do when you quit your
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nine-to-five job or if you're just in
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any financially difficult situation
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is to figure out exactly how much money
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you need and start tracking your
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expenses
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i recommend using the mint app it's
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totally free go to mint.com
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you could also use truebill you'd be
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surprised sometimes how many little
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expenses or subscriptions you have
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and so being able to track those cancel
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things
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negotiate reduced rates those things can
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actually help you
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and also i recommend making a direct
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plan to start saving
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saving money is something that's going
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to be very important especially before
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you quit your job
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so that you have some breathing room and
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so that you have a little bit of runway
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to figure things out you know most
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americans 60
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of americans don't have a thousand
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dollars in savings you could beat that
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number
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by just saving as little as three
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dollars a day 365 days a year it adds up
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to over a thousand dollars
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if you get to a point where your side
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hustles where you can put some of that
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money away
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if you could put away thirty dollars
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every single day from a side hustle even
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when you have a nine to five job
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you would be in a position to save ten
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thousand dollars in a year
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and for many of you that could be life
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changing that could help you begin to
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get toward
[813]
the down payment on a house it could
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help you get out of debt it can help you
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have that emergency fund that you really
[818]
need
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or it can help you address some of the
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issues in your current lifestyle
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that are leaving you just feeling um
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completely deprived
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so i i really think that saving money
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and earning more money are two of the
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biggest priorities you can do and i
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don't think you should wait till you
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quit your job and i don't think you
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should wait until you're fired i think
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you should do it right now
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if you're already having financial
[840]
hardship research resources that might
[843]
be available to you be surprised
[845]
go to your local small business center
[847]
go to your local community college and
[849]
see
[849]
what they're offering there might be
[851]
free vocational training available
[853]
there might be free grant programs
[855]
available there might be free assistance
[857]
for people
[858]
that qualify into certain situations
[861]
you'd be surprised how much is there for
[863]
you
[863]
in your own local community if you just
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go
[866]
and do the research and if you just are
[869]
someone who has the humility to ask for
[871]
help when they really need it
[872]
and not let it get to a point where
[874]
you're in a desperate situation
[876]
and i wish that when i was going through
[878]
most difficult times in my life that had
[880]
more humility and just asked for help
[883]
and taken advantage of resources that
[885]
were there for me
[886]
instead of wholeheartedly trying to
[888]
think that i could do
[889]
everything myself relying on one source
[892]
of income
[893]
will become a constant point of anxiety
[896]
i want you to not wait
[898]
until you quit or until you're fired
[900]
start the beginnings of building
[902]
multiple streams with income by starting
[903]
a side hustle or doing gig
[905]
work look into ways that you can take
[908]
advantage of your time and then start
[910]
learning to build things you don't
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always have to work
[913]
for a living you could build for a
[914]
living you could build things that
[916]
create
[916]
value and that pay you more than one
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time
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and this is something i talk about
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frequently on the channel when i talk
[922]
about automated income
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what a lot of people refer to as passive
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income i know people think it's a
[927]
buzzword
[928]
i like automated income because i think
[930]
it's more accurate and more honest to
[932]
what we're talking about
[933]
we're talking about building things
[935]
where people put money in
[937]
and get the value they want out and
[938]
you've automated a transaction
[940]
so that you don't have to keep doing
[942]
active work once you've set this
[944]
up by creating the value this can be
[946]
anything from designs
[948]
templates t-shirts even doing something
[950]
like a youtube channel i talk about this
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all the time
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i'm going to link to a playlist here and
[955]
in the description down below
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if you want to see a video on how i
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diversified my multiple streams of
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income i'm also going to link to that
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for you because i think it might inspire
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you and give you a few ideas of what is
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possible
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thank you so much for taking the time to
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watch this video if you found it helpful
[970]
at
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all if you really enjoyed this no bs
[973]
advice i need a huge favor from you
[975]
i think that this video would help so
[978]
many more people
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if it is the number one ranked video
[981]
when somebody searches
[983]
quit your day job so if you guys could
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help me out and share it wherever you
[987]
can
[987]
drop a like on this video leave a
[990]
helpful comment
[991]
anything you could do to help put this
[993]
video at the top of youtube search and
[995]
google search
[996]
would be amazing because i think this is
[998]
probably some of the best
[999]
no bs advice that anybody is going to
[1001]
get on this topic and that's very
[1003]
realistic so if you think that that's
[1005]
true
[1005]
i really just appreciate the help like
[1007]
this but if you like it don't forget to
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subscribe
[1010]
check out the other awesome stuff on the
[1011]
channel as always you guys thanks so
[1013]
much for watching and don't forget
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go out there and create something
[1016]
awesome today take care
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