Making Decisions at 27

This blog has always been about sharing the ups and downs of someone trying to manage all aspects of life: money, career, personal.

I always admire the people who have made it: Mr. Money Mustache, Root of Good, Retire by 40, and Mr. 1500 are just a few of the bloggers who inspire me. I started following them when I was 21, working on my master’s degree, and living paycheck to paycheck.

Last year, I received an opportunity to switch jobs and increase my salary. The upfront incentives were nice. It was a really hard decision to make. I was not actively looking for a new job, but was recruited through LinkedIn. I had a great boss and a really good team, but part of me wanted to grow and learn something new. I was ready for a new challenge. So, I accepted the offer. We moved across the country, my husband quit his job, took some time off, and then found a new job. So much change. So little time.

Things were going really great. I was nominated for top performer of the year, received great feedback from my manager. But then I moved to another team (I didn’t really have a choice). I was put in a very challenging role, and I was ready, and excited to tackle it. It took me a few weeks to realize my new manager is super green, micro manager, insecure, no idea what he’s doing. But I thought ok, I can do it, I can make it. Then, things started getting worse. The perfect storm. I can’t share a lot at this moment, but will write more when I can.

I had to quickly figure out what I was going to do. If I left the company for another position, I would have to pay back part of the incentives, and lose out on my employer 401K match. If I stayed, I’m not quite sure what would happen. Through the grapevine, I found out some things about the fate of the last team he managed two years ago. I started to lose faith.

I have a really strong support network. My husband is amazing. He moved across the country for me. I, also, have great friends. Great mentors.

Something else resonated with me. Stacking Cash wrote a comment on one of my posts in July. “Be and feel empowered with yourself, it will go a long ways in your life.”

I’m not sure if I’m making the right decisions. I hope I’m making the right decisions.

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We are not at a point where I don’t need my job. Not FI yet. Maybe in five to ten years we will be there. But at this point, not quite there for me to just say I’m not going to have a job. But this is why FI is so important for me.

When things like this happen, and you’re faced with a situation where you don’t know what to do internally. I think the best everyone can do, especially women, is to be empowered.

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  • “but did you die?” from Mr. Chow in the Hangover is one of my favorite quotes. What doesn’t kill us usually makes us stronger. I’ve had a few setbacks, most notably the 2001 dot com bubble. Talk about financial ruin…also talk about being bit and twice shy… Even though I made a small comeback, it was not very significant because I’ve been so risk averse since then. Until now with our big real estate purchase LOL! Time will tell if my gamble will pay off but in the meantime, I’m working in a tough environment where the managers seem to be faking it until they get caught/fired for their incompetence and/or stealing. On top of that they are really laissez-faire with my coworkers, talk about working in anarchy…some people thrive in it, not me, however. So it comes down to what I can control in my own life and personal finance moves that will hopefully see me succeed in the future. Even though people downplay luck, I feel it is a factor…so best of luck to the both of our families and anyone else in the struggle for FI!

    • Ugh bad managers really make it difficult. I think if I had kids, I would be more risk adverse. But since I don’t have kids, I can take more risks. But I’m also working really hard to set a really strong financial foundation for our future.

  • Having the support behind you is essential and I’m glad you do. We don’t always know where each step will take us, but that is part of the ride of life.
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