After 15 years of experimenting with and living an early retirement lifestyle, I've developed my Minimum Investment Threshold Formula to help determine when you can finally break free from a suboptimal job.

Once you reach this threshold, you'll have the option to find a more fulfilling job that pays less, take a sabbatical, go back to school, stay at home to raise your children, or even retire

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Read How to Engineer Your Layoff to learn more about negotiating a severance package. When it's time to leave that dreadful job behind, try to negotiate a severance package instead of simply quitting. Since you planned to quit anyway, negotiating a severance only has upside. You could receive a severance check, subsidized healthcare, unvested stock and cash, job search assistance, and more. Plus, you'll likely be eligible for unemployment benefits, which aren't available to those who quit.

To build wealth through real estate, check out Fundrise. Thanks to 11 rate hikes since 2022, there are now more commercial real estate opportunities. With interest rates heading down, pent-up demand for real estate may be unleashed, potentially boosting prices in the future. Since real estate has lagged behind stocks since 2022, I expect its performance to catch up over time.

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How Much You Really Need to Invest to Br...