Looooong time lurker here, hoping for some perspective from like-minded people. Obviously I ultimately need to do what's right for me, but besides my partner I know no one IRL with even a hint of FIRE mentality, so it's hard to see my options clearly.
I feel like I'm at some sort of inflection point in my career/FIRE journey, but I'm not sure if I'm burned out, being a whiny baby, or just ready for a change. A little background:
Unmarried couple with no kids, no plans to have any. Together 13+ years, no immediate plans to marry and I trust that if we separated it would be amicable and equitable. I'm 36, he's 46.
NW ~$820k, $280k of that in non-retirement, liquid assets.
Realistically, we'd be comfortable FIREing on $900k, but I keep moving the goal posts (more on that) and am shooting for $1.25M.
Based in the U.S. Southeast. Currently renters, we recently sold our house in NC but do plan to buy again, likely in Florida. We want to stay in the SE for family reasons (certainly not for any love of humidity or palm trees).
FIRE for me probably will involve occasional paid work, either through monetizable hobbies or professional engagements, but I don't want to count on it.
We work remotely (permanently, not COVID-related) for the same company. I was recruited by my boss, who I'd worked with previously, to take a pretty demanding role as her second in command in the marketing arm of a start-up consulting firm. My partner came on board a year and a half later (he is my employee) as he had recently made a mid-life career transition that ended in his being underemployed and miserable. Together we bring in $185k, but that much money is a pretty recent development as we'd been living on my salary alone (~75–95k) for a few years, and before that neither of us were particularly high earners. Health insurance is covered by the employer, but no bonuses or retirement matches as of yet.
All sounds pretty great on paper, and I am certainly grateful for the good income (we both have art degrees, after all) and remote employment, which makes it all the harder not to feel like crap that I am OVER IT. I don't work crazy long hours, ~45-55/week, but my cache in what I do is that I work fast and intensely, which comes at a cost to my health and energy. I produce an ungodly amount of quality work for 6–8 clients at any given time, so much so that each time we add a client I get whispered questions from my colleagues about whether I can handle another one (not from my boss, mind you). It was 3 clients when I started over two years ago. I'm a bit of a jack-of-all-trades with a hand in creative direction, content development, branding, writing, social media, web, project management, and more. I enjoy the variety but am not naturally a people person, and as a director am stuck in loads of meetings and am very client facing. We have just added two new clients with no word of increasing my staff and I am already just keeping my head above water.
On the staffing front, I have two employees. My partner is easy — I trust him, I know his strengths, we're co-located, and I also know his career goal, like mine, is to do well enough to push the eject button at some point. He needs occasional guidance, but not career coaching and management. My other employee is struggling and I have absolutely zero energy to devote to her. And, while I feel bad about it, I never wanted to be a people manager to begin with (my boss knows this).
Re my health, I am overweight and am treated for clinical depression, both of which I know for certain I could manage better with less stress and more time. I'm pushing 40 and know that it's only going to get harder to lose weight, and every year brings me closer to it taking a longer-term toll on my health. I am tired all the time, and while my depression is better managed than in the past (no sobbing for an hour on the bathroom floor or staying in bed for an entire weekend), it's a struggle to function some days — mostly related to how I feel about work.
So, why haven't I taken a break? a) Growing up my dad was the sole earner, and he was laid off more than once inciting relocation and family strife. He's now retired and while they're comfortable, they certainly don't have the retirement they would have pictured for themselves. I've been brought up with the mentality that having a job is the be-all, end-all, and have my mother's voice in my head that if I take time off we'll be destitute in a week and I won't ever be able to re-enter the workforce. Leaving a job without another lined up is unthinkable. b) My boss and most of our organization are workaholics, inexplicably devoted to the firm, and I can't help but wonder if I'm just a lazy, entitled millennial for not feeling the same. c) if I've learned nothing else from therapy, it's that I'm a dyed-in-the-wool people pleaser, and I am terrified of disappointing my boss, colleagues, and family. High achiever in school, perfectionist, the whole kit-n-caboodle.
Any quitting will also involve my partner quitting, as he doesn't want to stay without me (I can't blame him). My colleagues are pretty convinced my boss hired my partner as extra incentive for me not to quit — my recent salary increases have undoubtedly been for the same purpose. Her fear of my leaving (subtly echoed by our CEO) puts me in a place of power, but my insecurities make me doubt just how far that can go.
Why haven't I looked for a new job? My last two were through my network, no interview required, and the thought of starting over and proving myself is more depressing than staying. I have a couple former colleagues who are movers and shakers and may pan out to new opportunities at some point, but nothing on the immediate horizon.
The way I see it, I have a few paths I can take. For the record, my partner is supportive of any of these, even if it upends his own career opportunities.
Stick it out a few more years until we reach FI. The risk here is I move the goal posts again, and/or burn out in some irrevocable fashion in the meantime.
Take a prolonged break. Quit for 3–12 months then get back to it at a new job. I have not had more than two weeks off in over 20 years, so I am curious to see what this does for me. Risk here is I spend the entire time searching for another job because I'm worried I'll be un-hireable.
Negotiate a shorter time off without pay but the opportunity to return. A month or so maybe. My therapist is encouraging this option but my worry is I'll spend the whole time counting the days until I have to go back.
Downshift. We're close enough to FIRE that we could take lesser jobs and just get there more slowly. My fear is that I take a massive pay cut for not a lot less stress, or a crazy boss, or some other crap situation.
Hit eject with some plans to make supplemental income. Part time work, freelancing. I have done some freelancing in the past, our skills are suited to it and my experience can command a decent hourly rate. It's risky, which gives me pause, and we'd also need to speed up buying a house while we're still full time since freelance would make it a lot harder to get a mortgage. I also risk burning myself out all over again.
TLDR: We're within a few years of FIRE but I'm pretty burned out. Should I suck it up or look at my options?
Any advice would be so very appreciated!