The rule: the Runway Rule.
Divide your savings by your monthly expenses. If that number is 6 or more months and your job satisfaction is 4 out of 10 or worse, quit. If you have a better offer in hand, that answers it too.
The runway is what makes quitting a decision instead of a gamble. Six months of expenses means you can job-hunt or build something without panic — and panic is what makes people take the next bad job. Below 6 months, the math says stay and save until the runway is there.
Satisfaction is the other half. A miserable job with a fat runway is still a quit. A decent job — 5 or 6 out of 10 — with a long runway means stay for now, but start planning your exit on your own terms instead of waiting for burnout to decide for you.
Educational estimate only. Based on YOUR monthly expenses, total liquid savings, job satisfaction score, and job offer status you enter. Runway = Total Savings ÷ Monthly Expenses. 6+ months is a rule of thumb, not a guarantee. Ignores health insurance, retirement, job market, family obligations, and contract terms. Not career or financial advice.
Disclaimer: Educational only, not legal, tax, or business advice. Consult an attorney or accountant about your situation.
Frequently Asked Questions
What is the Runway Rule?
Divide your savings by your monthly expenses. If that number is 6 or more months and your job satisfaction is 4 out of 10 or worse, quit. If you have a better offer in hand, that answers it too.
When should I stay instead of quitting?
Under 6 months of runway, stay and save until the runway is built. With 6+ months but a tolerable job, stay for now and plan your exit on your own terms.
Why does satisfaction matter as much as money?
A miserable job with a fat runway is still a quit, while a decent job with a long runway means stay but start planning — burnout shouldn’t decide for you.
When should I ignore this rule and talk to a professional?
This is educational only, not legal, tax, or business advice — consult an attorney or accountant about your situation.
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