This company isn't the perfect fit, but I wanted to stick it out and gain some experience since a lot of the aspects of this job were new to me. Then 9 months in covid hit, and this company doesn't take it seriously (among a million other things). I wished I was FIRE, but I'm not, so decided to just grind out the pandemic and keep building the stach. My start date anniversary came and went, and there was no review (and no raise). They stopped doing raises and even laid a bunch of people off during covid, so I didn't press the issue, just kept my head down and kept plugging away. I started looking for a new job and interviewed a few places towards the end of 2020. Then I reconnected with two former coworkers that want to be partners and start a business together, only problem is they are still under a no solicit/no service agreement for 1 year after they leave their current company, so it kind of put a damper on starting a company and hitting the ground running with their current clients. But that is still the plan, so I stopped actively job hunting, and I have had absolutely zero motivation at my current company, and at this point I don't do anything that isn't absolutely required. My 2 year work anniversary came and went, and still no review and raise. I haven't pushed the issue because I am seriously slacking off and don't give a fuck about this place. I definitely don't deserve a raise with the amount of effort I have been putting in, and I'm not concerned about losing out on the compounding effect of a raise since I won't be here long term. I just want to avoid my boss and not do anything.
Both business partners have left their firm in the last few months, and we are tentatively planning to start the business in 2022, in either the 1st or 2nd Q.
We just had our second child in September as well. I took 3 weeks unpaid FLMA and came back in October. My plan was to work the rest of the year, then resign in January since I will receive 3 weeks PTO on Jan 1 and the company pays out PTO if you leave. It seemed so tempting to work through the end of the year to not leave that PTO on the table.
Starting next week there are 8 weeks left in 2021, so 40 working days. I have 2 vacation days left. 4 of those days are holidays as well, leaving 34 actual working days for the rest of 2021. I will earn about $14k for working those 8 weeks, plus I'll get about $5k in PTO making my total gain $19k. I really don't want to be here, but it's hard to walk away knowing I'll be losing over $550/day. The closer it gets to Jan 1 the less sense it makes to quit and leave 3 weeks PTO on the table.
Networth: $892k
Cash/brokerage investments: $200k
Liquid investments total: $815k
Debt: $167k mortgage at 2.875%, house worth approximately $250k
This year we demo'd our basement, renovated our yard, had a garage built, finished the basement, had a baby in September, and had a huge outdoor harvest in October. It's been crazy busy, and crazy stressful, and things are still not 100% complete on account of the baby and general life craziness, so I have about 1,000 projects in progress still, and they aren't getting any attention because I go home everyday and deal with dinner and a crying baby and a crying wife until night time, then I also deal with it at night, then get a small fraction of the sleep I need, then I do it all again. My son has been sick for the last week (covid negative) along with a bunch of his classmates, and now I am battling a cold that he gave me.
I feel like I want to quit and walk away right now, and we could be fine financially, but it's hard to actually pull the trigger and walk away leaving that money on the table. Plus I will lose my health insurance once I quit, and I don't have a game plan figured out for that yet. I know this is a bit rambly but I haven't slept much in the last 2 months and it's taking its toll.
Should I just quit right now? Should I wait until January? What am I going to do about health insurance?