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I don't think there is a correlation between pay and stress. Low paid jobs can be just as stressful. And the more likely you are to be treated like shit. Unless maybe if you are doing something vocational or are really self employed.
From previous well paid jobs I have a few old motorcycles and plenty of spares, the band pays for any music gear I want and I only have ten years left on the mortgage.
We don't really have any savings, but twenty year old cars are pretty reliable these days and only 300 quid to buy another if you get a problem.
Combine that with living in a beautiful rural area and you start to wonder what you actually need many tens of thousands of pounds for.
Kids and grandkids are a financial drain and not necessarily an unwelcome one, but when it dawns on your offspring that they earn much more than you do they somehow seem to find a way to cope better financially.
I earn about a third of what I was earning in 1990, and when I think back to how I was just looking for ways to waste it (three Harleys, four Alfa Romeos plus so much more I can't even remember) it makes me shudder.
I've always travelled a fair bit and now we only go abroad every two years, but some of our most memorable holidays have been recent cheap ones, like biking around the mountains of Crete for a week, or staying with friends in India.
If you have strong family ties to an expensive area and young kids who need a decent school I can fully understand the rat race mentality just to keep your head above water, but if not, why on earth does anyone bother?
I was working in IT in the 90's and early 00's.
Fast forward 15 years I'm much happier than I would have been and I don't believe I'm any worse of financially, although once you close a door like that you tend to lose any ability to assess what would have happened.
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I wouldn’t call that a crisis you see, I’d consider that a rational choice to change your lifestyle (in the same way we exercise, alter diet, etc).
Good luck, whatever choice you eventually make.
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Question is, how comfortable (financially) do you have to be before you can downsize..
But then you do only get one life.
Outside of work, what do you REALLY want out of your one life?
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Not so mush a mid-life crisis, I’m still hoping for one of those thought, but more after some self-reflection I decided where I was in my career was not for me.
I work in the software industry - it's generally great fun – but I decided to move from management back to on tools - best decision I ever made. Like @Jalapeno I plan to try and move to part time in a few years, fingers crossed!
It definitely helped my sanity level as I no longer have to interact with as many psychotic / idiotic managers and I can now just concentrate on what I have to deliver, rather than on what everyone else has to deliver.
It’s the best decision I ever made regarding work.
Rob
What price can you put on your health and quality of life? As long as you've got enough to eat, pay the bills and put a roof over your head, and there's time for yourself/yourselves, there are many of life's pleasures out there that cost nowt.
Whilst my own job is currently 'at risk', so interesting times, the biggest change I made a few years ago was working from home 4 days a week and one day in the office. Less stress, saved on daily outgoings, such as travel & food, more productive and it gave me a better home/work balance.
Another possible option, does your employer offer sabbaticals? Most aren't paid but if you plan for these things or are financially secure, it might give you the breather you need to take time out for yourself or look for something else or even study whilst knowing you do have a job to return to.
All the best in whatever you decide
It's all about quality of life and living. I like a high standard and having to be somewhere at 9 in the morning and having to stay there till 5 every day is not a high standard of living. Plus most places of work frown upon things like cracking a beer open mid day or taking a nap .... I like the freedom to do that Time is precious and the last thing anyone should do is think they should run themselves ragged so they can enjoy a high standard of living when they are old ...... some people won't even get old, those who do will in the end spend their days dribbling in a chair with only their thoughts for amusement .... they don't regret a lot of things they did but they do regret the things they never did .... all work and no play makes Jack a boring memory!
I actually earn about 1\2 of what I used to when I was heavily involved in I.T but the funny thing is when you stop and think about it around a quarter of peoples wages is generally spent on their job ..... cars or rail, phones, clothes and all kinds of treats to make a shit life more tolerable. But I get up when I want (cept on Wednesdays when I get rudely waken by the dustman) do as much or as little as I want, spend time preparing decent healthy food, cycle around to stay fit. Enjoy swimming in the sea and sunbathing at Southsea in the summer, walking through the woods across Butser hill with the dog, drinking in local pubs at £2.45 a pint till 6pm.
I have friends with brand new beemers earning 6 figure salaries but I wouldn't swap my job for there's ... there's more to life than money
We've had an odd year or so which has highlighted it - my ex and my wife's ex were both very keen on planning for retirement compared to us, we're both pretty casual about it.
My ex died last year in her early 60s, and my wife's ex (a super fit racing cyclist) has just been diagnosed with inoperable cancer and given about 18 months to live.
Whatever you enjoy doing, do it now - don't sit in an office until 8pm every evening thinking you'll reap the rewards "one day".