In today’s competitive job market, quitting a job is often seen as a risky move. But in reality, knowing when to quit can be one of the most valuable skills you develop.

It requires self-awareness, confidence, and careful planning. For many professionals, staying in a role that no longer aligns with their values or career goals can lead to burnout and dissatisfaction. But how do you know when it’s time to leave? And what should you consider, especially if you have family, health concerns, or financial responsibilities?

The Power of Quitting: When Staying Isn’t Worth It

Perseverance is often touted as the key to success, but there are moments when pushing through comes at a cost. As the saying goes:

People do not want to change until the pain of staying the same is greater than making changes.

I experienced this firsthand when I joined a local search firm known in the industry for having a poor working culture. They mandated consultants to attend meetings every other Saturday—something they didn’t mention to me before I joined, and it also that didn’t align with my personal values. To make matters worse, they had a clause in the contract requiring consultants to pay back their first month’s salary if they quit within the probationary period. Desperate for a job at the time, I accepted, despite several red flags.

When I decided to resign after only two months, I confronted the managing director about the salary payback, which she had previously agreed could be waived under certain conditions. However, when the time came, she completely denied making any promises. The culture was toxic, and it became clear that not only were they exploiting their employees with unreasonable expectations, but the leadership lacked integrity. While financial stability was crucial for me at that time, I realised that staying would cost me far more—emotionally and professionally.

Quitting that job was one of the best decisions I made, and I haven’t looked back since. Every decision teaches us something valuable: how to choose better next time and how to avoid replicating behaviours we’ve experienced in toxic workplaces.

The Consequences of Quitting: What You Need to Consider

Quitting, especially without careful planning, can have significant consequences. The loss of a steady paycheck is the most immediate challenge, but for those with children, health conditions, or other responsibilities, the stakes are even higher. The fear of leaving behind financial security can feel paralysing, but it’s important to weigh the cost of staying too.

Building Strong Financial Reserves

Before you quit, especially if you’re leaving a toxic work environment, having a financial plan is crucial. Saving six to twelve months’ worth of living expenses is a good starting point, but that’s not all you need to consider. Let’s go beyond the financial buffer and explore the other critical factors you need to account for.

Considerations for Family, Health, and Other Responsibilities

1. Healthcare Coverage

If you or your family members rely on employer-sponsored healthcare, consider the implications of losing that coverage. Research alternative health insurance plans which allows you to temporarily continue your employer-provided health insurance. While this can be more expensive, it provides a safety net during your transition.

Tip: Plan ahead by researching affordable healthcare alternatives, and factor this cost into your savings plan before making any big moves.

2. Impact on Children and Family Stability

If you have children or other dependents, quitting your job affects not only your financial situation but also the stability of your family. Consider how a change in income will impact their schooling, care arrangements, and overall well-being.

Tip: Discuss your decision with your partner or family members. Make a plan that includes both short-term adjustments and long-term strategies for maintaining stability.

3. Mental and Physical Health

Leaving a toxic work environment can be a huge relief, but it’s essential to be mindful of your health—both mental and physical—during this time. Stressful transitions can take a toll, so ensure that you have support systems in place, whether through family, friends, or a therapist. This is especially important if you or your family members have ongoing health conditions that could be exacerbated by stress.

Tip: Prioritize self-care during this time. Transition periods can be emotionally taxing, so consider seeking professional help from a therapist, joining support groups, or taking up new health habits like meditation, yoga, or regular exercise. These practices will help you strengthen both your physical and mental health, allowing you to manage the stress of transitions more effectively.

4. Professional Network and Career Planning

Before you quit, start building and strengthening your professional network. Leverage platforms like LinkedIn, and reconnect with former colleagues and industry peers who can offer advice or help you find your next role. A strong network can be an invaluable resource when you’re looking to make a career shift.

Tip: Try to leave on good terms, if possible. Even in difficult situations, keeping a professional demeanour ensures that you don’t burn bridges that could impact your future job search.

5. Consider Part-Time or Freelance Work

While saving up a financial reserve is key, you should also consider alternative ways to generate income before or shortly after you quit. Freelance work or part-time gigs in your field can provide temporary income, ease the financial burden, and even introduce you to new career opportunities.

Tip: Start looking for freelance or consulting opportunities before quitting. This gives you a chance to build a side income that could become a viable full-time option later.

Overcoming the Fear of Quitting

Quitting a job, especially when you have significant responsibilities, is not an easy decision. But staying in a toxic work environment that drains your energy and joy can be just as damaging—if not more so. The key to overcoming the fear of quitting is preparation. With a solid financial cushion, healthcare alternatives, and a strong support system, you can approach the decision with confidence and security.

At the end of the day, quitting isn’t about failure—it’s about growth. Each decision, even the tough ones, shapes our journey and teaches us valuable lessons for the future. Quitting that toxic search firm showed me what kind of culture I wouldn’t tolerate again, and it helped me prioritise work environments where integrity and respect are valued.

Sometimes, the bravest and most strategic thing you can do is quit.

Image credit: Dall-E