Explore Your Work Options
What would it take to replace this job?
Get CLEAR about your golden handcuffs.
Understand what you actually need to replace, how you could fund it, and what staying longer would change. Your salary is only part of the story: the useful target is the life and saving goals you want to support.
Leaving, reducing work or staying with a specific purpose can all be legitimate outcomes. This is a planning illustration, not a verdict that you can afford to retire.
Your CLEAR framework
C · Compensation
The take-home pay, saving contributions and benefits your job provides.
L · Lifestyle
The expenses, replacement coverage and additional saving goals you want to fund.
E · Earnings and other income
Income that could continue or begin outside this job, excluding portfolio withdrawals.
A · Assets
The investments available to fund your plan, illustrative withdrawals and the remaining gap.
R · Readiness
What staying longer changes, what needs confirmation and your practical next step.
The guided questions cover Compensation, Lifestyle, Earnings and Assets. Your results bring them together with Readiness: optional leave-now, six-month and twelve-month comparisons, plus the assumptions to verify before making a move.
Bring estimates, not paperwork
A pay stub can help with current take-home pay and saving contributions. You’ll also need expected household spending, replacement insurance costs, saving goals, other income and the approximate investment balance available to fund this plan. Unknown amounts can stay unknown. You do not need to find out what your employer pays for insurance: that is optional context, not part of the funding calculation.
Use the same household throughout. Enter amounts in US dollars; do not enter account numbers or upload financial documents. You’ll choose the withdrawal and tax assumptions yourself. No bank connection or pre-existing withdrawal budget is required.
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