MissFunctional Money

Adulting is Hard. Saving Shouldn't Be.

  • Blog
  • About
  • Save Money
  • Contact
I quit my job to freelance! I'm answering FAQs. Missfunctional Money

So I quit my job.

December 27, 2019 by SC in Early retirement, Career, Adulting, Live life, Rambles, Storytime

So I quit my job. 

Surprise! 

I know there are lots of follow-up questions to a sentence like that, so I’ve put together a brief FAQ page. Side note: I should have written this WAY sooner and simply referred friends and family to it pre-holidays — but alas! Hindsight is 20/20. 

Here it goes:

Wow, you quit your job. 

Yes. 

Wait, actually, what was your job?

I’ve never actually announced it on the blog for a few reasons — namely because I wanted to remain anonymous and Charleston is kind of a small town. But now, I’ll say it cause why the heck not?

For the last (almost) five years, I’ve been a copywriter for a fully integrated ad agency. As a conceptual copywriter, I’ve written countless taglines, headlines, radio scripts, TV commercials, banner ads, those emails from brands that clutter your inbox, the newsletters you never read, etc. etc. etc. :) At this agency, I’ve worked on everything from branding/identity to website bios to drinking the beer in the kitchen. 

Free beer?! Why’d ya quit?

I’d maxed out on growth at this particular agency, and look forward to pursuing new opportunities. 

So like, are you just gonna cruise on your husband’s salary?

Yeah. Marry up. 

Really?

No. 

We could survive on his income. However, we still have an enormous amount of student loan debt, and I don’t think we’re in a spot for me to stop earning income just yet. Here’s what we do have: We have a large, fluffy cushion. I have an unbelievably supportive family. I have fallbacks. And then I have worst-case scenario fallbacks. I’m blessed to have such a thorough system of support around me — I know that many people don’t. That support, coupled with the diligent work and disciplined saving my husband and I have both accomplished over our adult lives, makes this scary jump possible. 


Do you have another job lined up?

Not in the traditional sense. 

Wow, that seems stupid. 

Sure does. 


Does the idea of not having consistent income terrify you?

Ross: I'm FIIIIIINNNEEEE


Does that make you want to curl up in a ball and cry?

Yep. 

Are you quitting anyway?

Yep. 

Were you unhappy at your agency job?

Nope. 


So wait, why are you doing this again? 

The last (almost) five years have laid a critical foundation for my career. I learned so much, truly — I didn’t even know what a copywriter was before I started, much less how agency life worked. (Fun fact: I landed my internship interview through a friend of a friend who knew I was majoring in a relevant field in college, and literally GOOGLED “What is a copywriter” prior to interviewing. Ahh. Baby SC was so young. So cute. So naturally full of collagen. )

There comes a point when it’s time to move on. We have to evolve in order to grow, both personally and professionally. I’m ready for that. I’m ready for more money, more time, more flexibility, more growth potential. I’ve set aggressive money goals for 2020, and I can’t wait to report back to y’all a year from today, telling you how I crushed it. ;)

Do you still teach pure barre?

Yeah!

How are you going to make money?

My immediate goal is to diversify my income streams. 

#1 - Freelance Writing. 

I have worked hard to build meaningful relationships over the last five years as a writer, and I’m grateful for that now. I am fortunate that I can part from the agency on good enough terms that I will retain a few of my clients, and I also have a roster of agency/networking/local/freelance contacts that I feel comfortable reaching out to for work. 

#2 - Pure Barre

As I’ve written about before, I’m not going to get rich teaching Pure Barre. But boy, do I love it. I’ll teach four classes per week, probably take three to four each week, and also pick up a few subbed classes here and there. 

#3 - Ballet Classes

As I’ve harped on and on about, I spent an entire former life in the performing arts. Thankfully, even though I’ve hung up my pointe shoes for good, I can still tap into that skill set (* clears throat * TAP into that skill set * hold for laughter *) and teach. 

It took me awhile to get here emotionally, but now I can still get a taste of the art form I love so dearly without wrecking what’s left of my ankles. Win-win!

Call it fate, call it comical, call it the Lord working in mysterious ways, but literally the day after I quit my job I ran into a former student who now manages a theatre in town that needs a ballet teacher. I’m also meeting with a studio owner who happened to pop up right after I quit, too. Ha. And I’ll continue subbing at another local dance studio. It’s a small little dance world. 


#4 - Various Investments

Watch and learn, Warren Buffet! Just kidding. My investment accounts will chug along for awhile before I ever use that money, but one day I will very glad I planted those little seeds. They a’growin.

Check out these popular investing posts while you're at it:
The Step-by-Step Process I Used to Select my 401k Investments, Even Though I Would've Preferred to Claw My Own Eyes Out
June 10, 2019
The Step-by-Step Process I Used to Select my 401k Investments, Even Though I Would've Preferred to Claw My Own Eyes Out
June 10, 2019

Raise your hand if you’ve ever felt personally victimized by a snooze-worthy company-wide meeting on HR policy and updates. I know, I know, it’s boring, but also exciting because think of all the money you’ll have when you’re 80! Whoooohhooo! Here are the things I considered when selecting my retirement fund.

Read more →
June 10, 2019
How Should I Invest My $5,000?
May 6, 2019
How Should I Invest My $5,000?
May 6, 2019

Where do you even start with a big question like this? I’m working through a very real pro/con list of the top 5 ways I’m considering investing my $5,000. Get a glimpse into my reasoning here!

Read more →
May 6, 2019
Intro to Investing, Part II: Bulls, Bears & Recessions (And How You Can Prepare)
April 29, 2019
Intro to Investing, Part II: Bulls, Bears & Recessions (And How You Can Prepare)
April 29, 2019

Money terms can be confusing. Heck, overwhelming. And when you’re always seeing headlines about how “market downturns are looming,” ya kiiiiiinnda wanna know what that means for you. Get a top-level overview of bull markets, bear markets and recessions — as well as what you can do to prepare.

Read more →
April 29, 2019
How Did People Invest Before the Internet?
April 8, 2019
How Did People Invest Before the Internet?
April 8, 2019

Pre-internet, there was a whole lot of room for required broker fees, mistakes and undetected bad choices. With the internet came a whole wide web of information, a higher level transparency, a greater sense of control on the consumer end, and YouTube videos of baby elephants falling over. Learn the logistics of how people used to invest — and why millennials are still more gun-shy, despite all the resources we have now.

Read more →
April 8, 2019
Intro to Investing: Get a Working Definition of Stocks, Bonds, Mutual Funds, Index Funds & Other Confusing Terms That You Kinda Pretend To Know But Actually Don’t
March 18, 2019
Intro to Investing: Get a Working Definition of Stocks, Bonds, Mutual Funds, Index Funds & Other Confusing Terms That You Kinda Pretend To Know But Actually Don’t
March 18, 2019

Just in case investing isn’t confusing enough, people like to throw around acronyms and nicknames like S&P, bull, bear, NASDAQ, WTF, DOW, IDK. It’s like they have a secret club, with all these secret passwords, and they won’t let you in the treehouse because you don’t know them.

I’m breaking down investing basics — check it out!

Read more →
March 18, 2019
APY vs. APR: How They Work, What's the Difference & What They Mean For You
December 3, 2018
APY vs. APR: How They Work, What's the Difference & What They Mean For You
December 3, 2018

What is APY? And how the heck is it different from APR? It’s important to understand just how much each can impact your money — even though it seems boring to talk about. Get the scoop and a haaaaanddyyyyy song about APY inside!

Read more →
December 3, 2018
Health Savings Accounts, Part 2: How to Invest Your HSA
October 28, 2018
Health Savings Accounts, Part 2: How to Invest Your HSA
October 28, 2018

Instead of using your HSA for qualified medical expenses, you can cashflow those costs — meaning you pay out of your regular ol’ savings account. If your HSA is smartly invested, it can stay put and continue to grow. Learn how to get started!

Read more →
October 28, 2018
How much should you contribute to your 401(k)?
May 31, 2018
How much should you contribute to your 401(k)?
May 31, 2018

It’s intimidating to plan for something that will happen four decades from now. Actually, it's the most optimistic thing I've ever heard, because it means I believe I won't get hit by a bus and die tomorrow. Hope! So touching. 

So, what are the average 401(k) contributions? Am I doing it right? Am I way behind the average 25-year-old? What's the "K" even for? Ahead, we discover (some) of the answers.

Read more →
May 31, 2018
Are you part of the 58%?
November 20, 2017
Are you part of the 58%?
November 20, 2017

How prepared are you to head for the office door? For some people — especially millennials — retirement may be pretty far off.

The average retirement age in the United States is 63, but maybe you don’t want to be average. Maybe you, like me, plan to give your two weeks well before that. Either way, retirement requires planning.

Read more →
November 20, 2017
 Taking on Traditional IRAs: What, when, how and more!
November 5, 2017
Taking on Traditional IRAs: What, when, how and more!
November 5, 2017

Retirement may be on our radar, but did you know that 1 in 3 Americans have no retirement savings? Yikes! If you’re reading this, you’ve already taken a step in the right direction. So what’s the next step? Learn the difference between a Roth IRA and a Traditional IRA and be better prepared to open the account that’s right for YOU. The sooner you start, the sooner you can kick back and have daiquiris delivered on a silver platter. #RetirementGoals

Read more →
November 5, 2017
Roth IRA vs. Traditional IRA: Which retirement account is right for you?
November 1, 2017
Roth IRA vs. Traditional IRA: Which retirement account is right for you?
November 1, 2017

When you’re in your twenties, it’s hard to commit to investing money that you may not see again for 45 years. Heck, I can’t decide on whether I want to spring for the organic apples — you want me to take a stab at investing the only money I’ve ever had?! There is way too much uncertainty at this stage of life, but that’s what makes a Roth IRA so attractive.

Individual retirement accounts — street name IRAs — are a relatively safe way to springboard into a comfortable retirement a little down the road. There are two main IRA options available: Roth IRAs and Traditional IRAs. Today, we tackle the Roth.

Read more →
November 1, 2017

And of course, I’m already pursuing a wide array of additional money-making ideas. 

Google Search: Can emu live in South Carolina
Google Search: Should I start emu farm
Google Search: do you eat emu if you grow them
Google Search: Do coyotes eat emu

Ya girl isn’t afraid to hustle. 

(Ya girl is afraid of coyotes.)

Will you freelance write blog posts for other bloggers and brands? 

Yes!

But I want to be thoughtful with how I answer this, lest I get an inbox full of freebie requests. How can I put this delicately?

SHOW ME THE MONEY. 
  • At this time, I will not accept work in exchange for “exposure,” “link building” or “a tweet” — on any subject — unless it falls in a very rare, very niche category about which I would write about for fun … and/or you represent The New Yorker. Because if I write it for fun, I’ll be putting it up on my own blog or submitting it to publications in which I’ve always dreamt of seeing my byline appear. 

  • I have done an obnoxious amount of market research, asking around, and snooping, and I have settled on my approximate project and hourly rates. Words are hard. And I believe I ask a fair price for mine. So please, don’t have your bot email me about a “Very Good Opportunity for https://missfunctionalmoney.com”

HOWEVER. All of that said…

If you’re looking for freelance copywriting, Facebook ad management, blog content or other form of word wrangling (speech writing! Wedding toasts! Instagram captions! I’ve done it all, and can do it for you!), please feel free to reach out. Who knows — we may be a match made in heaven. :) At that point, I’ll happily send work samples for you to review. 

I haven’t quite sorted out how MissFunctional Money intersects with my freelance writing name and website, but I’ll holler once I do.

Until then, email me for portfolio pieces and rates: sc (at) missfunctionalmoney (dot) com and I’ll get back to you promptly. 



As you can imagine, this transition has been pretty all-consuming for me.

I missed you! I can’t wait to hang out more regularly. While I (miraculously) have a pretty full January and February lined up, 2020 is still pretty vague and I can’t wait to figure out how this blog plays into it all. 

Through it all, I’m grateful to you.

Yes, you, reading this.

It’s so wild that I can put something out into the internet, and that someone else can read it — that two hearts can connect across miles, and that you and I can be friends even though we haven’t met. 


I’m grateful you’re here. And I hope you’ll stick around to see where this crazy jump leads me to next. 

Cheers to you. Cheers to change. Cheers to love. 

Happy New Year. 

Good things are on the horizon.

Good things are on the horizon.

December 27, 2019 /SC
Freelance, Freelancer, Live life, Work life, Money-making ideas
Early retirement, Career, Adulting, Live life, Rambles, Storytime
  • Newer
  • Older

Want exclusive content, bonus freebies and the occasional dad joke delivered right to your inbox? Thought so.

Enter your email address below to receive the latest and greatest from MFM! Don’t worry, I won’t blow up your inbox. Ain’t nobody got time for that.

Hey, you’re great! Thanks for subscribing :)

ABOUT MFM

MissFunctional Money is the brainchild of  SC, a self-proclaimed Frugal Frannie and taco aficionado. She adores her family, and occasionally uses words like "adores." She is working on that. Hobbies include wondering why she can't keep basil alive and learning ways to retire early. 

Get money-saving ideas now!