Fear about money is the most common reason people stay in roles they have outgrown. It is a reasonable fear, and the answer is a plan, not more courage.
Work out your real number
List your fixed monthly costs and the minimum you need to feel calm. Many people discover the figure is lower than the salary they are afraid to lose. This is general guidance, not financial advice: for big decisions, speak to a qualified advisor.
Build a bridge, not a cliff
- Reduce hours before you leave, if your employer allows it
- Test paid work in the new field on weekends or evenings
- Set a review date so the plan has a clear decision point
