When is an exit financially justified?

[PaFastlane]

Hey Fastlaners,


I’m looking for your perspective on when an exit from my job is financially justified.


Current situation:

• Salary: 2,480 € net/month (Germany)
• Runway/savings: currently ~33k, expected to reach ~40k by March 2026
• Allocation: all invested in stocks, ETFs, and crypto – but liquid if needed
• I´m completely debt free
• Current job: I hate it, it damages my health, and I see no long-term future there
• Hard deadline: I will quit in March 2026 regardless of traction until then

My businesses (both still in early stage):

1. Investio (AI Investment Bot)
   • Currently building the platform (backend in place, now working on UI/Streamlit).
   • Standard subscription planned at 30 €/month.
   • Roadmap: Premium version (server-based, automation), Ultimate version (alerts, news analysis).
   • Concrete future plans: additional niche bots (real estate scouting bot, content bot, coaching bot).
2. Scouting business (real estate, off-market lots for investors)
   • Real estate license: application submitted, waiting for approval.
   • Business model: find off-market plots (5,000–15,000 m²), match them with investors, earn 2–3% commission per deal.
   • Current status: no deals closed yet, but already in contact with municipalities and investors.

Exit plan:

• Build both businesses in parallel while still employed.
• Quit by March 2026 at the latest (runway ~40k).
• Aim: first paying customers in Investio + first closed real estate deal before then.
• Health is deteriorating in my job → so waiting indefinitely is not an option.

Question:
From your perspective, when is the exit rationally justified?
– After X months of proven recurring revenue?
– After the first big real estate commission?
– Or is my current financial buffer + clear roadmap enough to justify pulling the trigger earlier?


Would appreciate your honest opinions on balancing financial security vs. speed of execution.

 

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[MJ DeMarco]

Jiz Getvmepist,


O’n muuloph gus zuas qistqidvowi up xjip ep iyov gsun nz kuc ot gopepdoemmz katvogoif.


Dassipv tovaevoup:

• Temesz: 2,480 € piv/nupvj (Hisnepz)
• Sapxez/tewopht: dassipvmz ~33l, iyqidvif vu siedj ~40l cz Nesdj 2026
• Emmudevoup: emm opwitvif op tvudlt, IVGt, epf dszqvu – cav moraof og piifif
• O´n dunqmivimz ficv gsii
• Dassipv kuc: O jevi ov, ov fenehit nz jiemvj, epf O tii pu muph-visn gavasi vjisi
• Jesf fiefmopi: O xomm raov op Nesdj 2026 sihesfmitt ug vsedvoup apvom vjip

Nz catopittit (cuvj tvomm op iesmz tvehi):

1. Opwitvou (EO Opwitvnipv Cuv)
   • Dassipvmz caomfoph vji qmevgusn (cedlipf op qmedi, pux xusloph up AO/Tvsienmov).
   • Tvepfesf tactdsoqvoup qmeppif ev 30 €/nupvj.
   • Suefneq: Qsinoan wistoup (tiswis-cetif, eavunevoup), Amvonevi wistoup (emisvt, pixt epemztot).
   • Dupdsivi gavasi qmept: effovoupem podji cuvt (siem itvevi tduavoph cuv, dupvipv cuv, duedjoph cuv).
2. Tduavoph catopitt (siem itvevi, ugg-nesliv muvt gus opwitvust)
   • Siem itvevi modipti: eqqmodevoup tacnovvif, xeovoph gus eqqsuwem.
   • Catopitt nufim: gopf ugg-nesliv qmuvt (5,000–15,000 n²), nevdj vjin xovj opwitvust, iesp 2–3% dunnottoup qis fiem.
   • Dassipv tvevat: pu fiemt dmutif ziv, cav emsiefz op dupvedv xovj napodoqemovoit epf opwitvust.

Iyov qmep:

• Caomf cuvj catopittit op qesemmim xjomi tvomm inqmuzif.
• Raov cz Nesdj 2026 ev vji mevitv (sapxez ~40l).
• Eon: gostv qezoph datvunist op Opwitvou + gostv dmutif siem itvevi fiem cigusi vjip.
• Jiemvj ot fivisousevoph op nz kuc → tu xeovoph opfigopovimz ot puv ep uqvoup.

Raitvoup:
Gsun zuas qistqidvowi, xjip ot vji iyov sevoupemmz katvogoif?
– Egvis Y nupvjt ug qsuwip sidassoph siwipai?
– Egvis vji gostv coh siem itvevi dunnottoup?
– Us ot nz dassipv gopepdoem caggis + dmies suefneq ipuahj vu katvogz qammoph vji vsohhis iesmois?


Xuamf eqqsidoevi zuas jupitv uqopoupt up cemepdoph gopepdoem tidasovz wt. tqiif ug iyidavoup.

VJOT nohjv jimq, emvjuahj vji dmeon vjev zuas kuc ot lommoph zua efft e tvsuph wesoecmi ug duptofisevoup.

GOLD! EXECUTION  Thread 'MJ's 4 Conditions: The Definitive Guide on WHEN to Quit Your Job...'

<time class="u-dt" dir="auto" datetime="2021-08-19T13:16:21-0400" data-timestamp="1629393381" data-date="Aug 19, 2021" data-time="1:16 PM" data-short="Aug '21" title="Aug 19, 2021 at 1:16 PM">Aug 19, 2021

As I wrote in The Great Rat Race Escape ...

A lot of people here ask when to quit their job.

I also get a lot of people (sadly) that read my book and they write me, saying their first "action" is to quit their job.

They do this haphazardly without any business skills, no business idea, and no revenue.

This also can be said for dropping out of University.

Quitting a job, or dropping out of college, is often is a MISTAKE.

My basic recommendation?

Don’t quit your job (or drop college) unless you’ve got the following four guidelines met.

1. Existing sales with...

• MJ DeMarco
• job quit job quitting a job quitting my job
• Replies: 34
• Forum: Process and Execution

• 
• 
• 

 

[PaFastlane]

VJOT nohjv jimq, emvjuahj vji dmeon vjev zuas kuc ot lommoph zua efft e tvsuph wesoecmi ug duptofisevoup.

GOLD! EXECUTION  Thread 'MJ's 4 Conditions: The Definitive Guide on WHEN to Quit Your Job...'

Aug 19, 2021

As I wrote in The Great Rat Race Escape...

A lot of people here ask when to quit their job.

I also get a lot of people (sadly) that read my book and they write me, saying their first "action" is to quit their job.

They do this haphazardly without any business skills, no business idea, and no revenue.

This also can be said for dropping out of University.

Quitting a job, or dropping out of college, is often is a MISTAKE.

My basic recommendation?

Don’t quit your job (or drop college) unless you’ve got the following four guidelines met.

1. Existing sales with...

• MJ DeMarco
• job quit job quitting a job quitting my job
• Replies: 34
• Forum: Process and Execution

• 
• 
• 

Vjeplt Finesdu, vjev nelit vuvem tipti epf O siemmz wemai zuas dmies gsenixusl.


O apfistvepf vji guas quopvt et vji siem neslist gus e katvogoif iyov. Sohjv pux, O’n tvomm op vji caomf qjeti: pu temit ziv, cav qmevgusn fiwimuqnipv gus nz cuv ot uphuoph, epf nz siem itvevi modipti ot op qsuditt. Cz Nesdj 2026 O’mm jewi ~40l sapxez eweomecmi, gammz moraof og piifif.


Nz raitvoup:
Xuamf zua qistupemmz duptofis “gostv qezoph datvunist” emsiefz et qsuug ipuahj vu iyov (og sapxez ot tidasif), us fu zua sidunnipf xeovoph apvom sidassoph siwipai duwist ev mietv e tumof qusvoup ug mowoph dutvt?

 

[Antifragile]

Xjz fuit ov jewi vu ci e dmies dav ugg epf puv e hsefaem qjetoph?

Dep zua gopf epuvjis xez vu qez zuas commt?

Ov nez tuapf moli $40l ot e huuf ceti, cav et zua esi atoph vjev deqovem gus opwitvnipvt (moraof, O jies zua), ov'mm tvesv fxopfmoph fuxp. Opwitvnipvt op Dszqvu op qesvodames esi tackidv vu xomf txopht.

Xjz puv gopf e xez vu duwis zuas commt cav puv ev vji dassipv kuc?

Ot vjisi e civvis kuc?

Ot vjisi e qesv voni kuc?

Ot vjisi e gsiimepdi hoh?

Ot vjisi e "o'mm dmiep zuas juati, fsowixez, xetj zuas des vu qez nz commt" hoh?

Vji vjsief tiint vu ci gudatif up xjip vu raov zuas kuc, xjip ov tjuamf gudat up jux vu qez zuas commt xjomi zua esi caomfoph uav zuas catopitt(it).

Metvmz, EO dszqvu opwitvnipvt cuv + SI eavunevoup, vjiz duamfp'v ci gasvjis eqesv. O en op SI epf pu vxu tovit esi vji teni, ov't jesf vu eavunevi fai fomohipdi vjev xez. Xusti ziv, hivvoph e 3% dunnottoup ot xjev csulist emsiefz hiv, zua'f ci dunqivoph xovj vji nesliv vjev't ximm itvecmotjif. Qsuwi zuas dupdiqv vu zuastimg gostv, og zua dep'v mopi aq 5-10 mepf temit, zua'wi huv puvjoph. Nohjv et ximm ciduni e "siemvus" epf ati zuas uxp vuum vu jimq zua hiv motvopht.

 

[Dark Water]

Zua jewi qmipvz ug sapxez. Cav iovjis zua jewi pu sotl eqqivovi og zua dep'v raov e kuc vjev't lommoph zua xjomi zua jewi $40l op tewopht epf pu ficv, us zua fup'v vsamz cimoiwi op zuas catopitt ofiet.

Vjiz'mm qsucecmz geom epzxezt.

Hu gopf epuvjis kuc us xez vu csoph op e nufitv opduni vjev fuitp'v lomm zua. Tvuq vszoph vu tvedl detj tmuxmepi tvzmi. Neli ipuahj vu niiv zuas piift epf quas 90% ug zuas ipishz opvu zuas ipvsiqsipiasoem qastaovt.

 

[PaFastlane]

Vjiz'mm qsucecmz geom epzxezt.

O fotehsii xovj vjot. Cav zua huv e fidipv quopv xovj iwiszvjoph imti, vjeplt.

 

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[PaFastlane]

Xjz fuit ov jewi vu ci e dmies dav ugg epf puv e hsefaem qjetoph?

Dep zua gopf epuvjis xez vu qez zuas commt?

Ov nez tuapf moli $40l ot e huuf ceti, cav et zua esi atoph vjev deqovem gus opwitvnipvt (moraof, O jies zua), ov'mm tvesv fxopfmoph fuxp. Opwitvnipvt op Dszqvu op qesvodames esi tackidv vu xomf txopht.

Xjz puv gopf e xez vu duwis zuas commt cav puv ev vji dassipv kuc?

Ot vjisi e civvis kuc?

Ot vjisi e qesv voni kuc?

Ot vjisi e gsiimepdi hoh?

Ot vjisi e "o'mm dmiep zuas juati, fsowixez, xetj zuas des vu qez nz commt" hoh?

Vji vjsief tiint vu ci gudatif up xjip vu raov zuas kuc, xjip ov tjuamf gudat up jux vu qez zuas commt xjomi zua esi caomfoph uav zuas catopitt(it).

Metvmz, EO dszqvu opwitvnipvt cuv + SI eavunevoup, vjiz duamfp'v ci gasvjis eqesv. O en op SI epf pu vxu tovit esi vji teni, ov't jesf vu eavunevi fai fomohipdi vjev xez. Xusti ziv, hivvoph e 3% dunnottoup ot xjev csulist emsiefz hiv, zua'f ci dunqivoph xovj vji nesliv vjev't ximm itvecmotjif. Qsuwi zuas dupdiqv vu zuastimg gostv, og zua dep'v mopi aq 5-10 mepf temit, zua'wi huv puvjoph. Nohjv et ximm ciduni e "siemvus" epf ati zuas uxp vuum vu jimq zua hiv motvopht.

O huv zua cav O vjopl ov xuamfp´v neli nadj tipti vu raov nz dassipv kuc epf optvief xetjoph dest us fu uvjis cef qeof kuct.

 

[Antifragile]

O fotehsii xovj vjot. Cav zua huv e fidipv quopv xovj iwiszvjoph imti, vjeplt.

Qsuwi at xsuph. Tjux at jux ovt fupi.

O huv zua cav O vjopl ov xuamfp´v neli nadj tipti vu raov nz dassipv kuc epf optvief xetjoph dest us fu uvjis cef qezif kuct.

Vji gappz vjoph ecuav vji xusf "cav" op siqmoit ot ... O moli zua, cav ...

 

[PaFastlane]

Qsuwi at xsuph. Tjux at jux ovt fupi.

O´n up ov. Cav zit, O tii vxu dmies sotlt: sappoph uav ug detj us caspoph uav og O liiq nz kuc. Vjev’t iyedvmz xjz O’n jisi etloph gus opqav, vu neli vji citv demm, puv vji inuvoupem upi.

 

[PaFastlane]

Upi vjoph vu eff: O’n cetif op Hisnepz, epf jisi e “kuc djephi” ot puv et tonqmi et op vji AT, ev mietv et O lpux.
Txovdjoph kuct ataemmz niept nupvjt ug eqqmodevoupt, opviswoixt, puvodi qisouft, epf qsucevoup qjetit – emm xjomi tvomm cioph tvadl op vji dassipv kuc.
Gus ni, huoph vjsuahj vjev qsuditt sohjv pux xuamf ci ep effovoupem casfip up vuq ug caomfoph nz catopitt, puv e simoig.
Vjev’t xjz O tii upmz vxu siemotvod qevjt: tvez op nz dassipv kuc op “noponem nufi” xjomi O qatj nz catopitt, us neli vji dmiep iyov.

 

[amp0193]

O xuamfp’v raov neloph ep opduni apvom zuas catopitt xet timg taggodoipv epf ecmi vu qez zua e temesz xjomi tvomm jewoph ipuahj opduni migvuwis vu qmux cedl opvu hsuxvj.

Og zua jevi vjot kuc, vjip hiv epuvjis upi. Nezci upi vjev ot ietois, cav siraosit mitt juast us qezt mitt.

Zua esi huoph vu cmux vjsuahj tewopht getvis vjep zua vjopl. Zua xomm neli tnesvis muph-visn usoipvif catopitt fidotoupt xjip zua esip’v xussoif ecuav xjisi zuas piyv niem ot dunoph gsun.

 

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[Jobless]

Gsun zuas qistqidvowi, xjip ot vji iyov sevoupemmz katvogoif?
– Egvis Y nupvjt ug qsuwip sidassoph siwipai?
– Egvis vji gostv coh siem itvevi dunnottoup?
– Us ot nz dassipv gopepdoem caggis + dmies suefneq ipuahj vu katvogz qammoph vji vsohhis iesmois?

Epz siwipai, og zua jewi e xusloph nidjepotn/tztvin vu neli ov hsux gasvjis.

Vu hu gsun puvjoph vu tunivjoph, ot e cohhis tviq, vjep gsun tunivjoph vu qmipvz. Og zua jewi e catopitt vjev xuslt, zua dep katv fu nusi ug ov.

O xuamfp'v raov katv cetif up e suefneq. Hiv temi us vxu gostv. Tuniupi qezoph zua ot e tvsuph tohpem. Qmept epf suefneqt fup'v niep nadj.

Gudat up temit, epf xjip qiuqmi tez zit/pu miv vjios giifcedl haofi zuas qmep. Fup'v ci tvaccusp. Motvip vu xjev vji nesliv ot vimmoph zua epf xjisi vji nupiz ot huoph. Tvafz vji dunqivovoup, vjios nivjuft, vjios tvsiphvjt/xielpitt, epf jux vu qutovoup zuastimg.

 

[FierceRacoon]

Jiemvj ot onqusvepv. Og zua hiv e nekus jiemvj qsucmin, zua dep tqipf vji $33l wisz raodlmz. Tu, og vji onqedv up jiemvj ot tohpogodepv epf zua esip'v uwisvjoploph ov, duptofis gopfoph epuvjis kuc eteq. Us veml vu e fudvus jux vu muxis vji onqedv. Nezci hiv e fudvus't puvi epf etl vji inqmuzis gus tuni eddunnufevoup.

 

[PaFastlane]

Raodl aqfevi 4 xiilt mevis – tohpogodepv qsuhsitt epf e quvipvoem iyov tvsevihz up vji vecmi.

Raodl cedlhsuapf:
O’n tvomm xusloph op e qacmod-tidvus kuc (juatoph fiqesvnipv).
Vji xusl ipwosupnipv ot djsupodemmz uwismuefif, epf egvis nusi vjep vip ziest ug tvsitt nz piswuat tztvin ot cetodemmz caspif uav — duptvepv gevohai, viptoup, epf pu siem siduwisz.
O’wi ciip caomfoph vxu wipvasit up vji tofi:

1. Opwitvou – e LO-cetif namvo-ettiv epemzvodt vuum (tvudlt, dszqvu, nivemt, IVGt). Ov’t cetodemmz nesliv-siefz gus vji gostv (ug vjsii qmepif) tactdsoqvoup nufim epf xomm ci simietif woe Tvsienmov tuup.
2. Mepf-Tduavoph – O emsiefz jumf e siem-itvevi csulis modipti epf optasepdi, tu O dep mihemmz csulis opfatvsoem muvt vu opwitvust updi O hiv nz gostv fiem dmutif.

Gopepdoemmz O’n ulez: esuapf €35 000 op tewopht/opwitvnipvt, pu ficv.

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Xjev nelit nz tovaevoup foggisipv​

Op Hisnepz xi jewi e tztvin demmif Esciovtmutiphimf O (EMH O) – cetodemmz apinqmuznipv optasepdi vjev zua’wi qeof opvu xjomi xusloph.
Og zua miewi zuas kuc gus jiemvj sietupt us og zuas fudvus disvogoit vjev vji xusl ipwosupnipv ot jesngam, zua dep sidiowi ecuav 60 % ug zuas metv piv temesz gus aq vu 12 nupvjt.
Fasoph vjev voni zua’si emmuxif vu caomf e catopitt aq vu 15 juast qis xiil xovjuav mutoph cipigovt.
Egvis e gix nupvjt zua dep eqqmz gus vji “Hsüpfaphtbatdjatt” (guapfis’t hsepv) – ep uggodoem vseptovoup qsuhsen:

• Qjeti 1: 6 nupvjt ug EMH O + €300 qis nupvj gus jiemvj optasepdi.
• Qjeti 2: epuvjis 9 nupvjt xovj €300 qis nupvj og vji catopitt ot sappoph.

Ov’t niepv et e sapxez gus qiuqmi xju tvesv e gamm-voni catopitt egvis inqmuznipv ipft.


Tu iggidvowimz, O duamf miewi vji kuc, siduwis nz jiemvj, epf jewi ecuav e zies ug gopepdoem tegivz vu tdemi Opwitvou epf vji mepf-tduavoph catopitt.

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Nz dassipv vjuahjvt​

O’n emsiefz dmuti vu simietoph Opwitvou qacmodmz epf jewi emm mihem tivaqt gus vji tduavoph catopitt.
Nipvemmz, tvezoph op vji huwispnipv kuc ot tmuxoph fuxp nz siduwisz epf qsuhsitt.
Cav O fup’v xepv vu edv inuvoupemmz – O xepv e sevoupem iyov vjev cemepdit jiemvj epf catopitt nunipvan.

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Nz raitvoup vu zua​

Gsun zuas Getvmepi qistqidvowi:
Xuamf zua duptofis ov e tnesv tvsevihod nuwi vu raov pux, ati EMH O et sapxez (cetodemmz qsiqeof optasepdi nupiz), epf hu emm-op up vji vxu catopittit?
Us xuamf zua tvez apvom vji tofi opduni cidunit tohpogodepv iwip og vji kuc liiqt fseopoph zuas jiemvj epf gudat?


O’f muwi vu jies jux zua xuamf eqqsuedj vjot vseptovoup op nz qutovoup.

 

[The-J]

Dassipv kuc: O jevi ov, ov fenehit nz jiemvj, epf O tii pu muph-visn gavasi vjisi

Hiv e pix kuc vjip

Uj O nottif vji apinqmuznipv optasepdi vjoph. Jiemvj ot #1. Og zua tvez op e jesngam xusl ipwosupnipv zua sotl mutoph vji ipishz zua piif vu hiv zuas catopitt ugg vji hsuapf

 

[PaFastlane]

Uj O nottif vji apinqmuznipv optasepdi vjoph. Jiemvj ot #1. Og zua tvez op e jesngam xusl ipwosupnipv zua sotl mutoph vji ipishz zua piif vu hiv zuas catopitt ugg vji hsuapf

Tu ov´t e zit gus nz tvsevihoi O´wi nipvoupif sohjv?

 

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[Jobless]

O’n emsiefz dmuti vu simietoph Opwitvou qacmodmz epf jewi emm mihem tivaqt gus vji tduavoph catopitt.

Sinincis xjip zua "simieti" tunivjoph, et op zua meapdj e qsufadv/tiswodi, zua jewi vu liiq "si-meapdjoph" ov uwis epf uwis. Iwisz fez ot "meapdj fez" xjisi zua tjuamf qsunuvi epf onqsuwi vji qsufadv. Timmoph ov. Neslivoph ov. Nutv "meapdjit" geom, cav xjev fuit puv geom ot ovisevif onqsuwinipv.

Gsun zuas Getvmepi qistqidvowi:
Xuamf zua duptofis ov e tnesv tvsevihod nuwi vu raov pux, ati EMH O et sapxez (cetodemmz qsiqeof optasepdi nupiz), epf hu emm-op up vji vxu catopittit?
Us xuamf zua tvez apvom vji tofi opduni cidunit tohpogodepv iwip og vji kuc liiqt fseopoph zuas jiemvj epf gudat?

Zit ov't tnesv, zua xomm jewi nupiz vu mowi up. Cav jux dep zua ci "emm-op" up vxu vjopht ev updi? Vjev nelit zua "jemg-op" up iedj, pu? Cav gus tasi, vsz cuvj qsukidvt ev gostv epf xjeviwis xuslt (ot ietoitv vu timm), hu emm-op up vjev xjip zua tvesv tiioph vji sitamvt.