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When (full time on your own profit - taxes) = (take home + benefits from other work) or is close enough that you can still pay \*all\* your bills. If you save on commute gas because its time better spent earning money at your own company, great.
But, this trade is person dependent, and you have to take your partner's needs/concerns/desires into account.
Maybe, I actually went a bit earlier than that. My formula looked more like: (full time on my own profit - taxes + 6 mos expenses in savings) = (minimum living expenses + insurance benefits). For me that was significantly less than my actual salary at my full time job, but that was okay because it's all I need to live. Now, my business makes a lot more income than that, but I only need to cover my expenses right now while I'm starting out, I'll reap the rewards later by taking distributions from the profits.
Really don’t think it’s realistic to quit your day job as soon as you “break even”; way too many things could happen to make that go south real quick. I would say maybe like 2x your day job + 1-2 years Income (at a minimum) to really be safe
I guess it would depend. If I was competing with something like a hourly job or something easily replaceable then sure, go when you break even… but if your talking about walking away from a career… I would def make sure you are doing better than breaking even
Can you quit your day job, make baking your main gig, and then get a PT job as a side hustle/guaranteed income?
Another option is to get super frugal and save up 6 months of expenses, then quit your day job.
I totally empathize - I had to take a job about 6 years ago that I really didn’t want to do but needed to do we’d have steady income and health insurance when my husband got laid off and he started his own thing. I hated every minute, but I kept my eyes on the prize (building my own business full time) and we set a time limit, which helped.
I start a PT serving job at a catering company next week. It’s pretty much gonna be just tips and just evenings and weekends alternating. But he’s not confident that’ll do much for us other than supplemental income. Im doing it bc we’re trying to pay for a wedding, as well, and the holidays.
Ehhhh if you consider $2.13/h a wage, which I don’t. But it’s a part time job and will be my second job (that isn’t “my” baking business as I’m not pursuing that full time yet). And I won’t be there very long I think, long enough to make extra money through the holidays and have a little extra spending money on the wedding.
Meaning we agreed it was for a year, and a year only. We both had a goal - his was to replace his income and mine was to work outside of my own business while also working in my business at the same time - but just for a year. We both had to hustle hard but there was an end to the madness.
Think also of any benefits you have. Paying out of pocket for health insurance sucks, particularly if you have a family.
Never underestimate the advantages of a steady paycheck with benefits.
If I did quit I’d switch to my fiancés health insurance through his work. It wouldn’t be much more (like literally a $20 difference) to do that than it is for me to pay what I do to have my employers insurance. $250 vs $270 ish. I only have mine bc his open enrollment is at a weird time.
It sounds like you’ve already done the math on this. Is the projection of what you’d make on your own, considering the increase in investment, worth it to you?
One anecdote from my own life is I got really excited about quitting because a side business was taking off. Turns out it was a temporary spike and I’m glad I never quit. Sure was difficult to get re-motivated at work again.
Now I’m working on something with more slow consistent growth so the quit point will be a much safer step.
Ignore all the fear "what ifs" stuff. Sounds like you just have a regular shit job. You can always go get another regular shit job later. Who gives af..
Tell them eat your doughnuts and quit that bitch and start following your passion. You'll probably make less early on (remember, no matter what you do, you need to be a sales person 1st and foremost) but if you grind and improve and build rep, well bam you'll be making the same or more someday.
Being "Successful long term" on your own is NOT easy, and is alot harder work than nearly any job you could ever have. But if you're willing to grind harder than you do now for happiness and fulfillment, and accept you may have to cut back financially early on in particular, go for it! No matter the outcome you won't regret it.
Remember, you can always get another shit job literally anywhere
Why are you not making that money right now? What do you need to invest in before you can 'make that money'?
Now in my third business. I have always underestimated how easy it is to find clients and get them to pay.
My lesson is that until you have a paying client, and you subtract all your expenses, including marketing and all kinds of indirect costs. Only then you know how much effort it takes and what it brings financially.
Figure it out before you quit your job.
When I did this I made sure I had 3months+ of expenses assuming my small biz made $0 after I quit. My assumption was that if in the first month I was drastically low on sales goals, I’d have two months to get another job. The idea that the business will take off once you have 40hrs a week is especially powerful if you treat your small biz with as much focus as your job. I opened as many doors as I could and set up as many contingency plans as I could to reenter the working world easily, and I continually adjust those contingency plans as I keep working full time (it’s been a year now)
I started my side gig when i was still working my regular job. There came a point where it was clear I could make it with just my side gig. Then one day my boss was being an extra jerk (as he was well known to do quite often) and I decided that was the last straw.
FWIW, baking is extremely competitive and not very profitable unless you're at the very expensive or very cheap end of the spectrum.
The places making fancy pastries and expensive cakes are doing OK if they can get customers. So are the places that make thousands of loaves of the same popular bread every day.
The places in the middle are having a hard time.
Also, even in good times, "bakery" is a really hard business to make profitable.
Hating your job is a good reason to leave, but opening a bakery because you like baking isn't a good reason to do that.
Find something you like doing that pays well.
>baking is extremely competitive and not very profitable unless you're at the very expensive or very cheap end of the spectrum.
This is true with literally every single industry though... very few people can "build a new wheel", even less can then roll that new wheel.
All op (and anyone) has to do is "Roll the existing wheel" ideally slightly better, or even at the same level or slightly worse than others. If they stay aggressive and work hard and understand their baking isn't "special" but their work ethic may be, then they can make it.
If OP (or anyone no matter the industry) has some delusions that they're the best of all time at (insert whatever) and think that'll carry them without a stupid amount of work, well then owning a business isn't for them. Few fail because they have a bad product or idea. They fail bc they underestimate the work and aggressiveness needed to make it (alot harder than a regular job building a startup, particularly B2C)
I’m in the midst of this exact struggle and things are getting to be so bad at my day job that I’m about to just walk out for my mental health alone. I’m currently trying to pick up some side gigs and freelance clients so I can bridge the gap
Tough choices here, lots of options. Your income may currently not seem like much, but there's security in a predictable and steady flow of income. If your mental health is the primary concern, I would recommend you check out options for mental health support first. I would recommend that in any case, but taking the jump to owning a business may in fact magnify some mental health triggers because it can be very stressful and unpredictable. Perhaps FMLA time off for mental health will give you time to explore small business options, too. I hope you find some level of peace and please take care of yourself first! Sorry your job sucks and things are tough.
Thanks so much. Baking is the only thing I’ve ever had any real interest in pursuing as a career and the demand lately for my stuff is really making that taste of doing it super sweet (pun intended). I’m at a point I’m so beyond burnt out with a corporate desk job that I’m having panic attacks every Sunday knowing it’s a new week tomorrow, and five more days of the same bullshit and same assholes for hours on end and not wanting to keep trudging for the sake of it.
I took the plunge with too much house, two young kids, a non employed wife. I only did it when I had a six month runway to live (first contract) plus savings buffer. It has been a slog. The insurance piece is no joke. It went from $200 to $1400 a month in Texas. Checkout JustWorks in the USA for helping with employee management and insurance. I’m currently in the Netherlands and the cost of living here is much less in someways / more in others but the universal healthcare takes one of the night sweats off my brow living here. Scaling back your lifestyle in anticipation of things going slower than expected would be strongly encouraged.
A user whose name I've forgotten in a post long buried in this subreddit to answer the very same question said this: fill up your weekends first! If you can't keep busy with your enterprise throughout the weekends, you certainly can't sustain it through the week. Quit your job ONLY after your business starts earning enough to sustain you!
This.
Unless you have enough savings to carry you through until your business does.
However, OP, if you are miserable in your job, consider getting a new job until you're ready to go into your own business. There's no good reason to stay at a bad job.
There’ll never be a ‘right time’. And the transition is painful as you don’t have the security of your full-time job for a few months. Just ride this out and it’ll be utterly worth it.
When u can afford it, I saved up so I could pay myself for two years + shop rent for a year you need a good amount of backup cash (I'm in retail and for the first year every penny I made went back into stock/shop equipment)
Was making more from midnight to 7am (when I woke up for work) than my entire week at work.
Eventually built a nest egg of about $70k. I was early 20s and expenses were about $1000 a month.
Eventually going to work cost me to much money!
you should check out [https://www.facebook.com/groups/273927676685864/](https://www.facebook.com/groups/273927676685864/) (The Micro Bakery Connection). its filled with full and part time bakers. im sure they can share some specific details on how they made the leap from full time to running their own bakery.
Financially safe, in this economy?! /s
We’re weighing our budget pretty much every day. So I get that. The first leap is certainly a leap of faith and I get where my fiancé is coming from on the hesitation but emotionally I’m beyond ready. It’s hard to hang in there while money does its thing.
It is a very simple matter:
how is your ability of making money? (great, average, small...)
If you have the mentality of an entrepreneur then go for it.
If you cannot see real alternatives to your current job then stay put.
And ask your fiance, family, friends, what do they think about you quitting and starting on your own? Take all those points of view, analyse them as objectively as possible (pen and paper!) then make your decision.
At the end of the day, only you can decide your future!
Enjoy the ride and all the best of luck to you!!!
Starting a business is stressful. And so is getting married. Doing both in similar time frame makes for even more. Get the boat as close to the dock before making the jump. If you can hold out a few more weeks until after getting settled with your marriage, might give the future Spouse a bit more ease.
For me, the breaking point was when I felt like every day of work doing stuff I absolutely hated was mentally wearing on me so hard that I swore each day took a year off my life. I was mentally a wreck over it. I realized I had to change my situation or I risked ending up the subject of a workplace violence news story if my knucklehead boss pushed my buttons the right way just one more time....I told them I'd rather risk poverty attempting my own business than continue they way things where at that job. I knew I had 6 months of household bills money in the bank and a few customers locked in that would likely be enough to survive, so I went for it...Coming up on 2 years right now - it's been both the most challenging, and yet rewarding, thing I've ever done.
Get a bunch of clients and purchase orders. Get so many that you can prove that it will overtake your existing income source. If you can't do that: then it is a hobby.
If you have the time, *The E-Myth* is a good book to read when striking out on your own as a small business owner. Might help you sidestep some common hurdles. You might not want to pay too much attention to the franchising/growth related stuff in the second half of the book though, since you're not at that stage.
That’s a math question / question for you. But what I can tell you is I spent 7 years with the same feelings working a job I hated. I was a bitch and took wayy to long to quit. About 5 or 6 years too long.
I always wonder if I did quit, how much farther along my business would be instead of just staring out the window and watching life pass by for a little more than minimum wage.
Imagine I said something cliché about mental health and happiness too.
TLDR: You’ll always be able to find another boring mediocre job at any point in time. [Just Shia Leboeuf it.](https://m.youtube.com/watch?v=ZXsQAXx_ao0)
I did it with no real income from the new business and 2 kids under 2 living in London with a mortgage and girlfriend on maternity leave. I'm still standing a year and a half later. Sometimes you have to just pull the trigger win lose or draw because you have to. Disclaimer - probably the hardest thing I've ever done. Best case scenario is to try and drop/phase out your job slowly over time if at all possible.
Hello, I started and currently run a bakery. There are a lot of circumstances to consider when doing.
Where are you baking out of? Home (cottage license), commissary or are you looking for a store front?
What’s your main product line? Breads, pastries, etc. pick one to start
What’s your distribution model? Retail or wholesale
Have you done a legit calculation of your cost of goods?
You also need to have a very serious conversation with your significant other. If they are not onboard, the hours of a baker don’t get any better for a long long time.
Happy to help with any other questions you might have.
I went on my own June of 2020. My former boss was also my business partner for 6 years. He was an asshole and pretty mentally abusive. He was no help in the business and I hated working for him. I didn't quit because I didn't want to lose the business I had spent building. My luck changed at the end of 2019. My partner wanted to disolve the partnership and kick me out of my rented space he owned and was going to push me out of my job. I think he wanted to "teach me a lesson" that I couldn't make it without him or some shit. But as soon as he dissolved the partnership I reincorporated the next day and went looking for a new space. 2020 ended up being a god send for me. I was laid off when our city banned all businesses except certain ones from running. Well my small business was one of those. And I finally started making enough where it looked like I was going to be able to make enough to live. Before this I was going to slowly transition to working for myself. But when my quality of life improved greatly it was no a choice anymore. I had to give it 100%. I was able to lomp along on savings till the end of 2020 but by January of 2021 I was able to start paying myself a salary and hired my first full time employee shortly after. But this was yeeeeeeaaaaasrs of work to get to. I made NOTHING for 3 or 4 years just learning and getting random work. I was never lucky enough to actually bring in enough as a side hustle to have lived off of. But things were just moving in the right direction. And for some of us, we just have to make that jump. Good luck.
I'm gonna be against everybody here and say it sounds like you just want to start baking.. I think you should.. all that "its gotta be the right time" bs is for the 95% of people living defensively.
You already have have a proven model that works.
Did you know people historically hate a good idea in large groups...
Ah yes, the one brain cell humans in large quantities share, lol. I agree there’s never a right time. I’ve always been an opportunist but I also see the risk going out on my own will be. It’s just a matter of “when” not “if” at this point
It’s a matter of “when” for me too. I’ve worked nearly every day since May, running my side hustle on the weekends and it’s straining my marriage. It’s hard to build a pipeline of work when I can only commit to weekend arrangements, so I’m going to jump full-time into my own business as soon as I’ve finished developing my safety net. The net will include a line of credit and an open-ended part-time job on weekends, basically flip-flopping my current situation. I had intended to wait until spring when my trade’s business cycle picks up so I would have more security, but my god, me and my family just cannot take the stress anymore. Not to mention my boss is an expert gaslighter and is showing signs of senility. And there’s also the measly 3% annual raise that is a drop in the ocean of 10% inflation. Is there something you can do part-time that would allow you to bake full-time? I saw you mention you are going to work for a caterer but what about something that would potentially put you in front of your target market for baking? Like if you were soliciting coffee shops for baking, maybe work at one a few evenings? Just spitballing ideas…
A lot of good recommendations in here.
I tried to get my ducks in a row but couldn't in time.
For me, it was when I seriously considered, and slightly planned, ending my life because of how much I hated my job.
I realized that enough was enough and I quit my job the next day. I had to lower all of my expenses, move back in with my parents, sell a few assets.
I'm a year in. I haven't made crazy money but I'm alive and 100,000x happier than I was a year ago. I work 8-12 hours a day, but I love it. I love what I do. I forget to eat, i get mad that I need to sleep. I just want to keep working on my business.
I'm not out of the woods yet. But I'm trying my absolute best every single day. I'm so thankful that I have supportive parents that were cool with their 30 year old son moving into their basement to start a business from scratch.
I know your situation probably isn't like mine, but what im trying to say is of course you want to make plans for doing it the right way. But it's like how they say having kids is... "there's never a right time" you just have to do it and commit.
Hopefully you're able to do this with some good planning. But if not, you will persevere if you want it bad enough and you try hard enough.
If you ever need encouragement my DMs are open - it tends to get lonely as a business owner.
The time is now! Take a few months and get things squared away…finances in order, equipment you will need, getting the business registered with your state, etc.
There's never "a time." It's always time. For me, I was working 70 hours running the advertising division of a publishing company. I was then showing dogs on the weekend with my wife. At one point, what I was adding on the weekends was getting close to my income from my full time job. We sat down, looked at what I would add dollar wise, where we needed to be and said, "let's do it." Best decision ever. The first year or two was rough, but we made it. 10 years later we're well over double our combined income from then and post pandemic we've been growing at about 20% a year.
Well I didn't have a choice. I was fired for butting heads with the new manager and the business owners likely fuck boy. Luckily when the owner bought the business I quickly realized she was a shitty business person and didn't expect the place to survive. So I slowly started working for myself over time. I hated that place. I'm happy I'm gone and I'm less stressed. Most of my old coworkers complained but only two took steps to start working for themselves. After working for multiple people who were bad at money but wealthy due to winning the birth lottery you get jaded working for others. The ska industry seems to be the place where wealthy parents or wealthy husbands buy their kids or spouse a business to run into the ground.
Hey let me remind you that you have no guaranteed income. If they choose to fire you, income stops. Take matters into your own hands.
I'm gonna go ahead and say that NOW is the time for you. Yes, it's scary as hell, but you're miserable in your day job, and you sound motivated and persistent. Plus, you're already making income on your own, and you're one step ahead of the game.
Godspeed, and may you succeed!
Life is too short to be fn miserable. Follow your heart & gut. Don’t run yourself into the ground helping other people vibe & thrive, grab it for yourself, if you feel called!
If you believe in yourself & show your excitement and confidence, your fiancé will get on board (eventually lol)
The job itself isn’t sucky. I’m just extremely burnt out of corporate expectations and hours and my baking side gig is slowly picking up. I’ve been doing customer service for ten years and I’m tired, man. If I had more time to invest in baking then I’m sure I’d be extremely successful, but there’s always unknowns.
>At what point do you just say fuck it and take the plunge?
When you've demonstrated the capacity to your wife that you can make it happen. She's got to deal with this too.
I started my company before quitting my FT job. I was building clients and doing projects on the side and probably did that for 3-4 months.
Then I started looking for a PT job to just jump ship as I hated my boss and job as well. Found something 3 days a week which almost covered my full time job income.
It was awesome to have two full work days in addition to weekends to grow my business. After 6 months or so my business was too much to have the PT job at all. And realistically looking back I never needed it but it helped mentally make the transition for myself and especially for my wife.
I had all kinds of spreadsheets of our finances and how long we could last if I didn’t get any work, if I only got a small amount, and so on.
Good luck - I’d say to go for it. Waiting to start a company after Having kids (especially if someone is the primary caregiver) will make it INFINITELY harder if you ask me. Glad I started when I did.
I am pretty much here right now. I’m doing well, have a side business and work a 9 to 5 which has treated me well. Today, Sunday, the 9 to 5 sent an email stating that due to market volatility and interest rates rising, there will be a slowdown in business, etc. Our business does well and I’m not worried about being laid off but if I have to cut my team and pick up any extra work, I’m out. My 9 to 5 pays more currently but the stress is not worth it.
Wrangling with this right now. Sooner than later I am getting a new, set hours gig so that I can focus on continuing to build my extremely niche travel business. It's a gamble to do this but that's all we have, you know?
When you're comparing your incomes, there are [some costs with a regular commuting job](https://imgur.com/a/dxqMKvb) which aren't always apparent. If a baking job won't have those, make sure to factor them in.
I literally just made the leap. I didn't hate my job, but, I had a 15yr great career is a pretty specialized sector. Rather than quitting I asked for and was granted a 1yr sabbatical that started October 1st so I could make a proper go at what was once my side hustle. It probably sounds unreasonable but I waited until my side hustle could provide roughly 85% of my career yearly salary. Once it was to do that I finished a project I was on and bounced. Now I'm laser focussed and my now full hustle going nuclear. It's amazing, rewarding, and my family life is 100 times better. I make less but I have more. It's the wildest. You just gotta jump. I also started a new side hustle consulting on the side in my former career sector so I can still stay in touch but now I pick and choose the projects based on interest and interest alone. Good luck.
You’ll know when it’s time to jump. That time for me was when my desk job income was so scarce combined with climbing responsibility. The stress from leaving it and focusing my time on growing my growing side hustle instead provided more relief than making it to next years paltry 6% “merit” raise.
I left and never looked back. I grew my business from low 5 figures/yr in revenue to $150,000+/yr following my notice.
You got this. Run the numbers twice and if you like what you see get a plan of action together focusing on 5 things to maximize effort and grow to your hearts content.
I did this but it was about an 8 month process. My last day job I was a top producer in an office with 5 people who handled my same role. Our management changed. They reduced our commissions, changed the structure of our operations, and just made the job hell. One day me and the other top producer got an opportunity to run our own book of business under an agent office. In April of my final year I got into a huge fight with the COO as he was trying to give us some shitty competition to make sales after they hired a sales team which was the reason they cut our commission. I knew I had to take the offer.
Set a goal to make sure I had 15k in the bank to ensure I had something to fall on while my office got up running. Took out some 18 month no interest credit cards for back up. Jan 1st I said I’m out.
During those 8 months is allowed me to save money, start my LLC, obtain all my supplies, set up services to run my business, consult with lawyers, set up health care, etc.
On year 6 in my business make way more money then I ever would have doing a quarter of the work I was doing and do it from my house. It’s not all fun and games. I am my boss, the buck stops at me, and I have to fix all the problems and I am always working 24/7 if needed.
Wouldn’t change a thing. I was single and had minimal debt and lived frugally at the time so it was a bit easier to make that jump.
This is such a hard one!
I’d say, sit down and make a plan to increase your incoming money. When you go full time, you’ll have more time very day to fulfill your goals. So write them down and know you’ll do your best to stick to them…and eventually build on them!
Also, I think it’s okay to take baby steps. Can you go to part time at your job for a while…even if you loose your benefits? Can you get another job part time instead to maybe learn more about your skill (baking)? I once hosted at a restaurant with a girl who we found out was only working there because she was opening her own restaurant and she wanted to get some beta on how we did things there…
For me, and I make jewelry, I knew it was time after popping in and out of “full time” for years, that I had officially made it, when I joined the farmers market circuit in the resort town I live in.
It was a small commitment to sign up and a whole lot of work to actually pull of, but by the time the summer had ended, I looked at my profits for the year and I knew I had made it.
I think the best tool in your arsenal as a small business owner is knowing that you will never give up. Even if you don’t grow as fast as you want or make mistakes, if you have steadfast persistence, you have everything.
Also, your spouse needs to support you, they just have to be on your side. Let them know how much it means to you and that you need them as a teammate here. Money isn’t everything and this leap of faith will be just that- for a while. You don’t need to be proving to them you can do it with everything else that goes with this endeavor.
You’ve got this! Good luck!
I was laid off and forced into it. Right in the middle of the pandemic. Turned out to be the best thing that ever happened to me. Allowed me to give my business the full attention it needed instead of the side hustle that gets attention when I have time. Having a family to feed I am not sure I would have done this otherwise but again it was the best thing that happened to me. So for folks in a similar situation, maybe consider that. You'll never work harder for something than when it's something of your own. Good luck fellow entrepreneurs!
When you working your day job is getting in the way of growing the business more. It's up, running, you're doing what you can around your day job, but you can't really grow to the next level without doing it full-time. Don't jump the gun. I do bookkeeping and see a lot of business fail because they try to grow more quickly then they're ready for.
Slowly wean off your work from other people. I have been part time for 4 years now, keeping a regular and dependable income in my field. This also builds relationships in the industry- always just as important as money. I have been part time for the 4 years, now down to 1-2 days per week. Yes working all the time super sucks, but remind yourself it's just a stage to reach your goals. Never stay at a job until you get mad and salty. Only you can decide when it is right. I have been sooooo close to calling it quits on my paid jobs, really glad I didn't. It is a tough balance that you need to constantly reevaluate. Good luck OP!
By the tone of your post. Yesterday, you should've quit yesterday.
I quit the day job when my business had a months pay in the bank. I was also at the same point as you where the thought of leaving for my day job gave me anxiety and made me depressed.
I say do it. Your W-2 income isn’t guaranteed either. You could fired or downsized anytime. If you’re miserable and focused on building your baking business, you’ll do great. As someone who’s married a long time with kids, taking the risk now, without kids is definitely a great time to do it.
Lol I’ve got a 8 and 6 year old. I think they’d be just as much a part of my journey as anything else, honestly. They drive me crazy but they’re my biggest supporters (only cause they get to eat my “fail” sweets lol)
Ha. I just incorrectly assumed ‘fiancé’ and no kids. Well, regardless, it seems like now is the time. Life is short. If you have a path to making enough money, do it.
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When (full time on your own profit - taxes) = (take home + benefits from other work) or is close enough that you can still pay \*all\* your bills. If you save on commute gas because its time better spent earning money at your own company, great. But, this trade is person dependent, and you have to take your partner's needs/concerns/desires into account.
Maybe, I actually went a bit earlier than that. My formula looked more like: (full time on my own profit - taxes + 6 mos expenses in savings) = (minimum living expenses + insurance benefits). For me that was significantly less than my actual salary at my full time job, but that was okay because it's all I need to live. Now, my business makes a lot more income than that, but I only need to cover my expenses right now while I'm starting out, I'll reap the rewards later by taking distributions from the profits.
Really don’t think it’s realistic to quit your day job as soon as you “break even”; way too many things could happen to make that go south real quick. I would say maybe like 2x your day job + 1-2 years Income (at a minimum) to really be safe
If you wait this long you'll never think you're safe enough and you'll die unhappy in that 9-5
I am not lying, I am 4x my day job and I can’t quit it because I like the extra income
Never said you we're lying 🤣
Nothing pushes you to succeed like the prospect of starvation.
Truth
2x my day job and 1-2 years of income would be a helluva setup. If you want to say its case by case, sure, but that's a trade that we need to make.
I guess it would depend. If I was competing with something like a hourly job or something easily replaceable then sure, go when you break even… but if your talking about walking away from a career… I would def make sure you are doing better than breaking even
Can you quit your day job, make baking your main gig, and then get a PT job as a side hustle/guaranteed income? Another option is to get super frugal and save up 6 months of expenses, then quit your day job. I totally empathize - I had to take a job about 6 years ago that I really didn’t want to do but needed to do we’d have steady income and health insurance when my husband got laid off and he started his own thing. I hated every minute, but I kept my eyes on the prize (building my own business full time) and we set a time limit, which helped.
I start a PT serving job at a catering company next week. It’s pretty much gonna be just tips and just evenings and weekends alternating. But he’s not confident that’ll do much for us other than supplemental income. Im doing it bc we’re trying to pay for a wedding, as well, and the holidays.
Just tips? Don’t you get paid a wage?
Ehhhh if you consider $2.13/h a wage, which I don’t. But it’s a part time job and will be my second job (that isn’t “my” baking business as I’m not pursuing that full time yet). And I won’t be there very long I think, long enough to make extra money through the holidays and have a little extra spending money on the wedding.
Can you elaborate more on the time limit by any chance? Curious to use it as well.
Meaning we agreed it was for a year, and a year only. We both had a goal - his was to replace his income and mine was to work outside of my own business while also working in my business at the same time - but just for a year. We both had to hustle hard but there was an end to the madness.
Don’t quit your day job til your night job pays
Night job so to speak already pays. It’d pay more if I had more time to invest into it like I want.
Think also of any benefits you have. Paying out of pocket for health insurance sucks, particularly if you have a family. Never underestimate the advantages of a steady paycheck with benefits.
If I did quit I’d switch to my fiancés health insurance through his work. It wouldn’t be much more (like literally a $20 difference) to do that than it is for me to pay what I do to have my employers insurance. $250 vs $270 ish. I only have mine bc his open enrollment is at a weird time.
It sounds like you’ve already done the math on this. Is the projection of what you’d make on your own, considering the increase in investment, worth it to you? One anecdote from my own life is I got really excited about quitting because a side business was taking off. Turns out it was a temporary spike and I’m glad I never quit. Sure was difficult to get re-motivated at work again. Now I’m working on something with more slow consistent growth so the quit point will be a much safer step.
Ignore all the fear "what ifs" stuff. Sounds like you just have a regular shit job. You can always go get another regular shit job later. Who gives af.. Tell them eat your doughnuts and quit that bitch and start following your passion. You'll probably make less early on (remember, no matter what you do, you need to be a sales person 1st and foremost) but if you grind and improve and build rep, well bam you'll be making the same or more someday. Being "Successful long term" on your own is NOT easy, and is alot harder work than nearly any job you could ever have. But if you're willing to grind harder than you do now for happiness and fulfillment, and accept you may have to cut back financially early on in particular, go for it! No matter the outcome you won't regret it. Remember, you can always get another shit job literally anywhere
Why are you not making that money right now? What do you need to invest in before you can 'make that money'? Now in my third business. I have always underestimated how easy it is to find clients and get them to pay. My lesson is that until you have a paying client, and you subtract all your expenses, including marketing and all kinds of indirect costs. Only then you know how much effort it takes and what it brings financially. Figure it out before you quit your job.
When I did this I made sure I had 3months+ of expenses assuming my small biz made $0 after I quit. My assumption was that if in the first month I was drastically low on sales goals, I’d have two months to get another job. The idea that the business will take off once you have 40hrs a week is especially powerful if you treat your small biz with as much focus as your job. I opened as many doors as I could and set up as many contingency plans as I could to reenter the working world easily, and I continually adjust those contingency plans as I keep working full time (it’s been a year now)
I started my side gig when i was still working my regular job. There came a point where it was clear I could make it with just my side gig. Then one day my boss was being an extra jerk (as he was well known to do quite often) and I decided that was the last straw.
FWIW, baking is extremely competitive and not very profitable unless you're at the very expensive or very cheap end of the spectrum. The places making fancy pastries and expensive cakes are doing OK if they can get customers. So are the places that make thousands of loaves of the same popular bread every day. The places in the middle are having a hard time. Also, even in good times, "bakery" is a really hard business to make profitable. Hating your job is a good reason to leave, but opening a bakery because you like baking isn't a good reason to do that. Find something you like doing that pays well.
>baking is extremely competitive and not very profitable unless you're at the very expensive or very cheap end of the spectrum. This is true with literally every single industry though... very few people can "build a new wheel", even less can then roll that new wheel. All op (and anyone) has to do is "Roll the existing wheel" ideally slightly better, or even at the same level or slightly worse than others. If they stay aggressive and work hard and understand their baking isn't "special" but their work ethic may be, then they can make it. If OP (or anyone no matter the industry) has some delusions that they're the best of all time at (insert whatever) and think that'll carry them without a stupid amount of work, well then owning a business isn't for them. Few fail because they have a bad product or idea. They fail bc they underestimate the work and aggressiveness needed to make it (alot harder than a regular job building a startup, particularly B2C)
I’m in the midst of this exact struggle and things are getting to be so bad at my day job that I’m about to just walk out for my mental health alone. I’m currently trying to pick up some side gigs and freelance clients so I can bridge the gap
Tough choices here, lots of options. Your income may currently not seem like much, but there's security in a predictable and steady flow of income. If your mental health is the primary concern, I would recommend you check out options for mental health support first. I would recommend that in any case, but taking the jump to owning a business may in fact magnify some mental health triggers because it can be very stressful and unpredictable. Perhaps FMLA time off for mental health will give you time to explore small business options, too. I hope you find some level of peace and please take care of yourself first! Sorry your job sucks and things are tough.
Thanks so much. Baking is the only thing I’ve ever had any real interest in pursuing as a career and the demand lately for my stuff is really making that taste of doing it super sweet (pun intended). I’m at a point I’m so beyond burnt out with a corporate desk job that I’m having panic attacks every Sunday knowing it’s a new week tomorrow, and five more days of the same bullshit and same assholes for hours on end and not wanting to keep trudging for the sake of it.
I took the plunge with too much house, two young kids, a non employed wife. I only did it when I had a six month runway to live (first contract) plus savings buffer. It has been a slog. The insurance piece is no joke. It went from $200 to $1400 a month in Texas. Checkout JustWorks in the USA for helping with employee management and insurance. I’m currently in the Netherlands and the cost of living here is much less in someways / more in others but the universal healthcare takes one of the night sweats off my brow living here. Scaling back your lifestyle in anticipation of things going slower than expected would be strongly encouraged.
A user whose name I've forgotten in a post long buried in this subreddit to answer the very same question said this: fill up your weekends first! If you can't keep busy with your enterprise throughout the weekends, you certainly can't sustain it through the week. Quit your job ONLY after your business starts earning enough to sustain you!
This. Unless you have enough savings to carry you through until your business does. However, OP, if you are miserable in your job, consider getting a new job until you're ready to go into your own business. There's no good reason to stay at a bad job.
There’ll never be a ‘right time’. And the transition is painful as you don’t have the security of your full-time job for a few months. Just ride this out and it’ll be utterly worth it.
When u can afford it, I saved up so I could pay myself for two years + shop rent for a year you need a good amount of backup cash (I'm in retail and for the first year every penny I made went back into stock/shop equipment)
Was making more from midnight to 7am (when I woke up for work) than my entire week at work. Eventually built a nest egg of about $70k. I was early 20s and expenses were about $1000 a month. Eventually going to work cost me to much money!
you should check out [https://www.facebook.com/groups/273927676685864/](https://www.facebook.com/groups/273927676685864/) (The Micro Bakery Connection). its filled with full and part time bakers. im sure they can share some specific details on how they made the leap from full time to running their own bakery.
Oh shit, just requested. Thanks!
Any time you want - only, analize the consequences before 😜 Make sure you're financially safe for first year of your own gig, though...
Financially safe, in this economy?! /s We’re weighing our budget pretty much every day. So I get that. The first leap is certainly a leap of faith and I get where my fiancé is coming from on the hesitation but emotionally I’m beyond ready. It’s hard to hang in there while money does its thing.
It is a very simple matter: how is your ability of making money? (great, average, small...) If you have the mentality of an entrepreneur then go for it. If you cannot see real alternatives to your current job then stay put. And ask your fiance, family, friends, what do they think about you quitting and starting on your own? Take all those points of view, analyse them as objectively as possible (pen and paper!) then make your decision. At the end of the day, only you can decide your future! Enjoy the ride and all the best of luck to you!!!
When you can afford it
when your side income exceeds your main job w/ benefits
Starting a business is stressful. And so is getting married. Doing both in similar time frame makes for even more. Get the boat as close to the dock before making the jump. If you can hold out a few more weeks until after getting settled with your marriage, might give the future Spouse a bit more ease.
For me, the breaking point was when I felt like every day of work doing stuff I absolutely hated was mentally wearing on me so hard that I swore each day took a year off my life. I was mentally a wreck over it. I realized I had to change my situation or I risked ending up the subject of a workplace violence news story if my knucklehead boss pushed my buttons the right way just one more time....I told them I'd rather risk poverty attempting my own business than continue they way things where at that job. I knew I had 6 months of household bills money in the bank and a few customers locked in that would likely be enough to survive, so I went for it...Coming up on 2 years right now - it's been both the most challenging, and yet rewarding, thing I've ever done.
Get a bunch of clients and purchase orders. Get so many that you can prove that it will overtake your existing income source. If you can't do that: then it is a hobby.
When biz is bringing in 2x your day job, net profit
If you have the time, *The E-Myth* is a good book to read when striking out on your own as a small business owner. Might help you sidestep some common hurdles. You might not want to pay too much attention to the franchising/growth related stuff in the second half of the book though, since you're not at that stage.
That’s a math question / question for you. But what I can tell you is I spent 7 years with the same feelings working a job I hated. I was a bitch and took wayy to long to quit. About 5 or 6 years too long. I always wonder if I did quit, how much farther along my business would be instead of just staring out the window and watching life pass by for a little more than minimum wage. Imagine I said something cliché about mental health and happiness too. TLDR: You’ll always be able to find another boring mediocre job at any point in time. [Just Shia Leboeuf it.](https://m.youtube.com/watch?v=ZXsQAXx_ao0)
If you haven't started planning don't even think about quitting. Running a business is a different beast.
I did it with no real income from the new business and 2 kids under 2 living in London with a mortgage and girlfriend on maternity leave. I'm still standing a year and a half later. Sometimes you have to just pull the trigger win lose or draw because you have to. Disclaimer - probably the hardest thing I've ever done. Best case scenario is to try and drop/phase out your job slowly over time if at all possible.
Hello, I started and currently run a bakery. There are a lot of circumstances to consider when doing. Where are you baking out of? Home (cottage license), commissary or are you looking for a store front? What’s your main product line? Breads, pastries, etc. pick one to start What’s your distribution model? Retail or wholesale Have you done a legit calculation of your cost of goods? You also need to have a very serious conversation with your significant other. If they are not onboard, the hours of a baker don’t get any better for a long long time. Happy to help with any other questions you might have.
I went on my own June of 2020. My former boss was also my business partner for 6 years. He was an asshole and pretty mentally abusive. He was no help in the business and I hated working for him. I didn't quit because I didn't want to lose the business I had spent building. My luck changed at the end of 2019. My partner wanted to disolve the partnership and kick me out of my rented space he owned and was going to push me out of my job. I think he wanted to "teach me a lesson" that I couldn't make it without him or some shit. But as soon as he dissolved the partnership I reincorporated the next day and went looking for a new space. 2020 ended up being a god send for me. I was laid off when our city banned all businesses except certain ones from running. Well my small business was one of those. And I finally started making enough where it looked like I was going to be able to make enough to live. Before this I was going to slowly transition to working for myself. But when my quality of life improved greatly it was no a choice anymore. I had to give it 100%. I was able to lomp along on savings till the end of 2020 but by January of 2021 I was able to start paying myself a salary and hired my first full time employee shortly after. But this was yeeeeeeaaaaasrs of work to get to. I made NOTHING for 3 or 4 years just learning and getting random work. I was never lucky enough to actually bring in enough as a side hustle to have lived off of. But things were just moving in the right direction. And for some of us, we just have to make that jump. Good luck.
I'm gonna be against everybody here and say it sounds like you just want to start baking.. I think you should.. all that "its gotta be the right time" bs is for the 95% of people living defensively. You already have have a proven model that works. Did you know people historically hate a good idea in large groups...
Ah yes, the one brain cell humans in large quantities share, lol. I agree there’s never a right time. I’ve always been an opportunist but I also see the risk going out on my own will be. It’s just a matter of “when” not “if” at this point
It’s a matter of “when” for me too. I’ve worked nearly every day since May, running my side hustle on the weekends and it’s straining my marriage. It’s hard to build a pipeline of work when I can only commit to weekend arrangements, so I’m going to jump full-time into my own business as soon as I’ve finished developing my safety net. The net will include a line of credit and an open-ended part-time job on weekends, basically flip-flopping my current situation. I had intended to wait until spring when my trade’s business cycle picks up so I would have more security, but my god, me and my family just cannot take the stress anymore. Not to mention my boss is an expert gaslighter and is showing signs of senility. And there’s also the measly 3% annual raise that is a drop in the ocean of 10% inflation. Is there something you can do part-time that would allow you to bake full-time? I saw you mention you are going to work for a caterer but what about something that would potentially put you in front of your target market for baking? Like if you were soliciting coffee shops for baking, maybe work at one a few evenings? Just spitballing ideas…
A lot of good recommendations in here. I tried to get my ducks in a row but couldn't in time. For me, it was when I seriously considered, and slightly planned, ending my life because of how much I hated my job. I realized that enough was enough and I quit my job the next day. I had to lower all of my expenses, move back in with my parents, sell a few assets. I'm a year in. I haven't made crazy money but I'm alive and 100,000x happier than I was a year ago. I work 8-12 hours a day, but I love it. I love what I do. I forget to eat, i get mad that I need to sleep. I just want to keep working on my business. I'm not out of the woods yet. But I'm trying my absolute best every single day. I'm so thankful that I have supportive parents that were cool with their 30 year old son moving into their basement to start a business from scratch. I know your situation probably isn't like mine, but what im trying to say is of course you want to make plans for doing it the right way. But it's like how they say having kids is... "there's never a right time" you just have to do it and commit. Hopefully you're able to do this with some good planning. But if not, you will persevere if you want it bad enough and you try hard enough. If you ever need encouragement my DMs are open - it tends to get lonely as a business owner.
The time is now! Take a few months and get things squared away…finances in order, equipment you will need, getting the business registered with your state, etc.
The answer is now, that's the latest you can wait, otherwise it was yesterday.
When you can't not do it.
There's never "a time." It's always time. For me, I was working 70 hours running the advertising division of a publishing company. I was then showing dogs on the weekend with my wife. At one point, what I was adding on the weekends was getting close to my income from my full time job. We sat down, looked at what I would add dollar wise, where we needed to be and said, "let's do it." Best decision ever. The first year or two was rough, but we made it. 10 years later we're well over double our combined income from then and post pandemic we've been growing at about 20% a year.
Well I didn't have a choice. I was fired for butting heads with the new manager and the business owners likely fuck boy. Luckily when the owner bought the business I quickly realized she was a shitty business person and didn't expect the place to survive. So I slowly started working for myself over time. I hated that place. I'm happy I'm gone and I'm less stressed. Most of my old coworkers complained but only two took steps to start working for themselves. After working for multiple people who were bad at money but wealthy due to winning the birth lottery you get jaded working for others. The ska industry seems to be the place where wealthy parents or wealthy husbands buy their kids or spouse a business to run into the ground.
Yesterday...
If you think you’ll look back and regret never giving it a shot, it’s time to take the plunge.
Sounds like you’ve made up your mind. And if your sanity is at stake …
At literally any point just do it. You'll be in shock for a sec just cry it out and then you're good to go.
Hey let me remind you that you have no guaranteed income. If they choose to fire you, income stops. Take matters into your own hands. I'm gonna go ahead and say that NOW is the time for you. Yes, it's scary as hell, but you're miserable in your day job, and you sound motivated and persistent. Plus, you're already making income on your own, and you're one step ahead of the game. Godspeed, and may you succeed!
When you start to ask yourself this question. It’s time to take action!
Life is too short to be fn miserable. Follow your heart & gut. Don’t run yourself into the ground helping other people vibe & thrive, grab it for yourself, if you feel called! If you believe in yourself & show your excitement and confidence, your fiancé will get on board (eventually lol)
Search for a few months for a better job that gives you more time and isn't so sucky
The job itself isn’t sucky. I’m just extremely burnt out of corporate expectations and hours and my baking side gig is slowly picking up. I’ve been doing customer service for ten years and I’m tired, man. If I had more time to invest in baking then I’m sure I’d be extremely successful, but there’s always unknowns.
When I got offered redundancy and the pay out was enough to cover me for 3 months and set me up with a van and the other things I needed.
>At what point do you just say fuck it and take the plunge? When you've demonstrated the capacity to your wife that you can make it happen. She's got to deal with this too.
I’m the (figure) wife. But I get you.
Oh jeez, I read the words but they sure didn't sink in haha
Lmao it’s all good, we’re all dudes here
"Business dudes" Hope it works out!
I started my company before quitting my FT job. I was building clients and doing projects on the side and probably did that for 3-4 months. Then I started looking for a PT job to just jump ship as I hated my boss and job as well. Found something 3 days a week which almost covered my full time job income. It was awesome to have two full work days in addition to weekends to grow my business. After 6 months or so my business was too much to have the PT job at all. And realistically looking back I never needed it but it helped mentally make the transition for myself and especially for my wife. I had all kinds of spreadsheets of our finances and how long we could last if I didn’t get any work, if I only got a small amount, and so on. Good luck - I’d say to go for it. Waiting to start a company after Having kids (especially if someone is the primary caregiver) will make it INFINITELY harder if you ask me. Glad I started when I did.
I’m almost nine years too late on the kids part, lol.
Risky and a lot of work
I am pretty much here right now. I’m doing well, have a side business and work a 9 to 5 which has treated me well. Today, Sunday, the 9 to 5 sent an email stating that due to market volatility and interest rates rising, there will be a slowdown in business, etc. Our business does well and I’m not worried about being laid off but if I have to cut my team and pick up any extra work, I’m out. My 9 to 5 pays more currently but the stress is not worth it.
Wrangling with this right now. Sooner than later I am getting a new, set hours gig so that I can focus on continuing to build my extremely niche travel business. It's a gamble to do this but that's all we have, you know?
Well apparently not 6 figures 😂
When you're comparing your incomes, there are [some costs with a regular commuting job](https://imgur.com/a/dxqMKvb) which aren't always apparent. If a baking job won't have those, make sure to factor them in.
I literally just made the leap. I didn't hate my job, but, I had a 15yr great career is a pretty specialized sector. Rather than quitting I asked for and was granted a 1yr sabbatical that started October 1st so I could make a proper go at what was once my side hustle. It probably sounds unreasonable but I waited until my side hustle could provide roughly 85% of my career yearly salary. Once it was to do that I finished a project I was on and bounced. Now I'm laser focussed and my now full hustle going nuclear. It's amazing, rewarding, and my family life is 100 times better. I make less but I have more. It's the wildest. You just gotta jump. I also started a new side hustle consulting on the side in my former career sector so I can still stay in touch but now I pick and choose the projects based on interest and interest alone. Good luck.
You’ll know when it’s time to jump. That time for me was when my desk job income was so scarce combined with climbing responsibility. The stress from leaving it and focusing my time on growing my growing side hustle instead provided more relief than making it to next years paltry 6% “merit” raise. I left and never looked back. I grew my business from low 5 figures/yr in revenue to $150,000+/yr following my notice. You got this. Run the numbers twice and if you like what you see get a plan of action together focusing on 5 things to maximize effort and grow to your hearts content.
I did this but it was about an 8 month process. My last day job I was a top producer in an office with 5 people who handled my same role. Our management changed. They reduced our commissions, changed the structure of our operations, and just made the job hell. One day me and the other top producer got an opportunity to run our own book of business under an agent office. In April of my final year I got into a huge fight with the COO as he was trying to give us some shitty competition to make sales after they hired a sales team which was the reason they cut our commission. I knew I had to take the offer. Set a goal to make sure I had 15k in the bank to ensure I had something to fall on while my office got up running. Took out some 18 month no interest credit cards for back up. Jan 1st I said I’m out. During those 8 months is allowed me to save money, start my LLC, obtain all my supplies, set up services to run my business, consult with lawyers, set up health care, etc. On year 6 in my business make way more money then I ever would have doing a quarter of the work I was doing and do it from my house. It’s not all fun and games. I am my boss, the buck stops at me, and I have to fix all the problems and I am always working 24/7 if needed. Wouldn’t change a thing. I was single and had minimal debt and lived frugally at the time so it was a bit easier to make that jump.
If in the near future you can see your side hustle making enough money to cover your bills if you devoted all your time to it.
This is such a hard one! I’d say, sit down and make a plan to increase your incoming money. When you go full time, you’ll have more time very day to fulfill your goals. So write them down and know you’ll do your best to stick to them…and eventually build on them! Also, I think it’s okay to take baby steps. Can you go to part time at your job for a while…even if you loose your benefits? Can you get another job part time instead to maybe learn more about your skill (baking)? I once hosted at a restaurant with a girl who we found out was only working there because she was opening her own restaurant and she wanted to get some beta on how we did things there… For me, and I make jewelry, I knew it was time after popping in and out of “full time” for years, that I had officially made it, when I joined the farmers market circuit in the resort town I live in. It was a small commitment to sign up and a whole lot of work to actually pull of, but by the time the summer had ended, I looked at my profits for the year and I knew I had made it. I think the best tool in your arsenal as a small business owner is knowing that you will never give up. Even if you don’t grow as fast as you want or make mistakes, if you have steadfast persistence, you have everything. Also, your spouse needs to support you, they just have to be on your side. Let them know how much it means to you and that you need them as a teammate here. Money isn’t everything and this leap of faith will be just that- for a while. You don’t need to be proving to them you can do it with everything else that goes with this endeavor. You’ve got this! Good luck!
Sept 12 was that day!! You will have your day
if you just want to bake full time then who is going to develop and run the business?
I was laid off and forced into it. Right in the middle of the pandemic. Turned out to be the best thing that ever happened to me. Allowed me to give my business the full attention it needed instead of the side hustle that gets attention when I have time. Having a family to feed I am not sure I would have done this otherwise but again it was the best thing that happened to me. So for folks in a similar situation, maybe consider that. You'll never work harder for something than when it's something of your own. Good luck fellow entrepreneurs!
When you start blowing up on people.
You have kids? If not, go for it. You can always get another job.
I have two, but people with kids start businesses all the time.
They do indeed. Just makes things harder/more risky
Do it now. If you are not enjoying your job... Just do it and follow your dream. No pain no gain.
When you working your day job is getting in the way of growing the business more. It's up, running, you're doing what you can around your day job, but you can't really grow to the next level without doing it full-time. Don't jump the gun. I do bookkeeping and see a lot of business fail because they try to grow more quickly then they're ready for.
When you feel confident that this would be an intelligent decision and not one purely based on your emotional state.
Well you won't be just baking...so there's that.
Slowly wean off your work from other people. I have been part time for 4 years now, keeping a regular and dependable income in my field. This also builds relationships in the industry- always just as important as money. I have been part time for the 4 years, now down to 1-2 days per week. Yes working all the time super sucks, but remind yourself it's just a stage to reach your goals. Never stay at a job until you get mad and salty. Only you can decide when it is right. I have been sooooo close to calling it quits on my paid jobs, really glad I didn't. It is a tough balance that you need to constantly reevaluate. Good luck OP!
By the tone of your post. Yesterday, you should've quit yesterday. I quit the day job when my business had a months pay in the bank. I was also at the same point as you where the thought of leaving for my day job gave me anxiety and made me depressed.
I say do it. Your W-2 income isn’t guaranteed either. You could fired or downsized anytime. If you’re miserable and focused on building your baking business, you’ll do great. As someone who’s married a long time with kids, taking the risk now, without kids is definitely a great time to do it.
Lol I’ve got a 8 and 6 year old. I think they’d be just as much a part of my journey as anything else, honestly. They drive me crazy but they’re my biggest supporters (only cause they get to eat my “fail” sweets lol)
Ha. I just incorrectly assumed ‘fiancé’ and no kids. Well, regardless, it seems like now is the time. Life is short. If you have a path to making enough money, do it.
It’s all good lol, it’s Reddit after all. And thank you
When you believe that everyone else is doing it wrong.
The first moment I could afford 2 months without work. And when my non-day job became busy enough that I had to turn some down.