Ben Le Fort
Aug 13 · 4 min read
A silhouette of a man looking sad and holding his head down.
A silhouette of a man looking sad and holding his head down.
Photo by Gift Habeshaw on Unsplash

If you were to ask most people who have a job that they hate if they would quit the job for $2 million, I’d guess that 100% of people would respond with a resounding “YES!”

With $2 million invested, it’s possible to use the 4% rule to safely live off $80,000 per year. If you can live comfortably on less than $80,000 per year and you are truly miserable at your job, it would seem that the choice is really no choice at all. Quit your job and begin living a happy life.

Life isn’t a math equation

On paper, $2 million should be enough money for anyone to live off. However, we don’t live our life on paper, we live in the real world where things get messy and complicated. That is why it’s so important to analyze real-life case studies and learn from the challenges other people face.

Take for instance one anonymous man in his 40’s who took to Reddit seeking advice on how to break up with a job that has made him miserable ever since there was a change in management.

His financial situation looks fantastic

  • He has $2 million in various investment accounts
  • He only has $75,000 left on his mortgage at a 2.62% interest rate
  • His annual spending’sare less than $60,000 despite living in a high cost of living area

Everything looks great, there is only one problem.

His annual medical bills are more than $100,000

He has a chronic auto-immune disorder and is wracking up over $100,000 per year in annual medical costs.

The good news: his medical bills are covered through his insurance at work, so he does not need to go out of pocket.

The bad news: his medical bills are covered through his insurance at work, which acts as a set of golden handcuffs keeping in a work environment that is making him unhappy.

He says that right now his health disorder is in check, but it could eventually physically disable him and prevent him from working or traveling. I would imagine the uncertainty of his health condition both adds to his urgency to quit his job and enjoy life while he is able to travel and increase the fear factor of potentially going out of pocket for his medical expenses.

It’s stories like this that remind us that money is not everything. Having $2 million in the bank is an incredible achievement but if you don’t have your health, having wealth does little beyond paying for comforts.

The true value in having millions of dollars is the freedom it provides. Normally, having $2 million in the bank and only $75,000 left on your mortgage would allow someone to freedom to spend their time however they chose. Due to his health concerns, his decision is not so simple.

What should he do?

While he may feel that his medical insurance has him stuck in his current job, his situation may not be as dire as he believes.

Based off what he has shared, he appears to have two primary goals.

1. Leaving his toxic work environment

2. Having access to comprehensive medical and disability insurance

He should quit his job because it is making him unhappy. However, that does not mean he needs to stop working.

If it were me, I would begin looking for a new job. Any new job he takes should have two criteria.

1. It needs to have comparable medical coverage to what he has now

2. It needs to be work he enjoys in an environment he is comfortable in

These are the only two criteria that should matter, salary should not even come into the equation. If he did not have to worry about his healthcare costs he would be at or very close to Financial Independence. He has already done a fantastic job building his wealth, it’s time he starts doing work that fulfills him and brings him joy rather than stress.

Even if he is working part-time for minimum wage if he can get healthcare coverage at a job he enjoys, working with people he likes his quality of life will instantly improve.

What would you do if you were in his position? Would you “gut it out” at a job that you hate that makes you rich or trade-in future wealth for happiness today? Let me know in the comments.

This article is for informational purposes only, it should not be considered Financial or Legal Advice. Not all information will be accurate. Consult a financial professional before making any major financial decisions

Making of a Millionaire

Stories about money, personal finance and the path to financial indepndence.

Ben Le Fort

Written by

Sharing my journey to financial independence. For freelance inquiries reach me at

Making of a Millionaire

Stories about money, personal finance and the path to financial indepndence.

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