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don't quit, negotiate a severance package insteadIf you’re reading this, you’re probably about ready to quit your job. Don’t quit until you read How to Engineer Your Layoff (affiliate link.) Sam blogs at Financial Samurai and has been coaching people on how to get a severance package while maintaining a good relationship with your soon-to-be-former employer. Even if you don’t like your job anymore, don’t walk away with nothing.

The Ideal Candidate

This is not a get rich quick scheme. If you like your co-workers and get along with your boss, but are just simply ready to move on, you could be the ideal layoff candidate. Do you fit one or more of the following descriptions?

  • Someone who has worked at their job for three or more years and over 10 years in the industry.
  • Someone who believes in her or his ability to produce income or find another job if necessary.
  • Someone who has good relationship with his/her superiors and coworkers.
  • Someone who is financially ready to face months or years of no income.

Step by step coaching

How to Engineer Your Layoff will teach you how to build a relationship with your HR manager and get him/her on your side. You’ll learn how to have a heart to heart talk with your own manager and make your case. It’s in your best interest to create a mutually beneficial solution for both you and your employer. There is a lack of material out there to help employees and this book put a little more power in your hands. Your employer and its HR department have a handbook on how to get rid of you with no severance pay. Why shouldn’t you have a little help in your corner too?

Case Studies

  • Lana transitioned from a bartender to a full time artist. Total Severance Value: $4,340
  • Julia, the marketing manager who became a stay at home mom. Total Severance Value: $67,460
  • Lyndon, the management consultant who had a midlife crisis. Total Severance Value: $171,102!
  • Jack, the investment banker who doesn’t feel he is fairly compensated. Total Severance Value: $507,717!

Obviously, if you are in a highly compensated position, you will have a better chance of coming out with a bigger severance package.  However, even if you are in an hourly position such as a bartender, you have some power too.

How much does this too good to be true book cost?

Here is the bottom line. How to Engineer Your Layoff costs $48. If you are thinking about leaving your job and have the time to implement the layoff strategies, then you need to read his book. $48 sounds expensive for an ebook, but you could be walking away with a $4,000 severance package like Lana the bartender instead of nothing. The high end of the severance package that Sam helped with was $500,00 for an investment banker! $48 is peanuts comparing to any kind of severance package and it’s worth it to learn what Sam has to teach. This book is for anybody who wants to retire early, change careers, go to graduate school, or simply take a hiatus.

If you have any questions at all, let me know and I will try my best to answer them.

Follow this link to buy the book – How to Engineer Your Layoff.

What’s Included:

  • 16 Detailed Chapters With Recaps Of Key Points
  • Separation Agreement Negotiation Tips
  • Negotiating A Severance Package When You’ve Got Another Job Lined Up
  • Helpful Insights On Your Employment Rights
  • Reasons Why You Should Engineer Your Layoff
  • Reasons Why You Should Not Engineer Your Layoff
  • Case Studies Of People Who’ve Succeeded In Getting Paid To Leave
  • Why And How I Engineered My Own Layoff
  • A Framework On How To Develop Multiple Income Streams
  • Advice On Life After Separating From Your Day Job
  • A Worksheet To Determine Whether You’re Ready
  • 37,000+ words, 100 pages

Disclosure: This article contain affiliate links and I can earn a small commission if you buy this book. It’s still a good product though so I highly recommend it.

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The days are gone forever where you went to college, got a job that was not personally rewarding, worked at the same place for 40 years, retired and then got bored, depressed and finally died. Thank goodness the world has changed in such a way that we are no longer trapped into this paradigm.

quit job cubicle hellWhen I worked in the corporate world I drifted through my life bored and depressed. I was well paid, but the money did nothing to combat the ennui that suffused my soul. My cubicle was like a prison. Even worse, I knew my employer has no loyalty to me whatsoever and would be more than ready and willing to release me for any reason that would please their customers or improve their bottom line.

In the 21st century we no longer need a corporate paycheck. We don’t need someone to tell us what our salary will be, whether we can publish a book, if you can take some time off. There’s no longer a need to validate your life through your corporate persona. You NEED to QUIT YOUR JOB, and start living life on your own terms.
Here are 9 reasons why you need to quit your job:

    1. Work Sucks – You may feel depressed and trapped in your job. You wonder what happened, why didn’t life work out the way it was supposed to? You stress over promotions, your salary, bonuses and you wonder if you can get rich online or through network marketing. Maybe you have an affair with someone at work. Your performance slips. And things keep heading downhill rapidly. Do you really want to get old and then look back at your life and say “Those were the worst 40 years ever?”
    2. Your BossDo you like your boss? If you do, you are in the minority. The relationship with your boss is toxic and stressful. You didn’t ask for the relationship, but had it forced upon you. Getting rid of your boss is a very strong reason why you don’t need your job.
    3. Your Coworkers – You will spend more time with your coworkers than you will with your own children and your spouse. Are these really the people you want to spend the bulk of your time with?
    4. Safety – In the 20th century you would get an entry level job right out of college. You would work hard and get a promotion and then another. Maybe you would make a lateral move in your own company or move to a larger company with better opportunities. You would continue to get promotions, change roles and jobs, and then retire with a nice pension and/or retirement account. The 21st century has ended this perfect life, if it ever existed. I know you thought it was safe and stable. It wasn’t. It isn’t now either. Your job is NOT safe.
    5. Home – Tied into the safety myth was the myth that you need to own a home. A home showed you were stable, reliable, trust worthy. The bankers who trapped you into this debt slavery liked lending to people who were like them. Trapped in a cubicle, trapped in debt, and trapped on the hamster wheel. The truth is that a home is another trap. When you factor in all the expenses of homeownership it is not a savings, it is a stressful liability.
    6. Young Choices – Most people are not happy with the work they do and they don’t like it. They often stay because after finishing 4 or 6 or 8 years of college they feel as if this is the path the MUST take. They chose architecture or business or psychology when they started college at the wise age of 18 and now feel like they can’t do anything else. You can, and if you’re unhappy you should do something else.
    7. College – Everyone used to believe that college was necessary to get ahead. In the 21st century it isn’t. So stop worrying about where you will get the $100,000’s to send your kids to college. They can get ahead in the new world without a college degree. You don’t need your job for this expense.
    8. Fear – It is fear that keeps most of us at our jobs. Fear that we won’t find another job. Fear that we will be seen as strange if we leave. Fear of the unknown. Stop living your life in fear and start living it for the possibilities. If you need to go back to a normal job you can, there’s no need to fear.
    9. Your Job is Sucking You Dry – Every day you come to work and do the same damn thing. You need to feel refreshed, jolted, rejuvenated, needed, productive, creative.

I will admit that some people love their jobs. They work with people they like, they do something that makes them feel useful, some are even passionate about what they do. This article isn’t for those people, it’s for the others who do not feel this way.

I understand that you do need to have money to support yourself and your family. You probably can’t just walk into your boss’ office and quit today or tomorrow. You need to start planning and examine your options though. Put yourself in a position where you CAN quit your job. Calculate how much you need to save and do it. Don’t procrastinate on this. Get moving and keep moving forward every day. Otherwise, you could be looking back in 40 years saying “WTF was THAT all about?”


Keep your name prominentYou’ve run the numbers and then you’ve run them again.  You are sure that if you quit your job you’ll be fine.  Your savings and income seem to be plenty to cover your monthly nut.  Well, you’re pretty sure you will be fine.  At least for the first few years.  The thing is, you hate your job and have been thinking of leaving for several years.  You don’t think there’s any way you can stick it out even 1 month longer.  Should you simply hand in your resignation and hope for the best?

Depending on your profession you may have options.  You can quit, but be sure to keep your name in the forefront of people’s minds.  And never burn your bridges when you leave.  This way if things turn out for the worst you will have the option of coming back gracefully.

There are many professions where your years of experience and knowledge make you a valuable commodity.  Perhaps you could leverage that to your advantage.  If you make it known that you are available on a freelance basis for select projects it is possible that you can make some extra money on the side.  This is providing that you keep your name out there.

If you disappear and then pop up some 12-18 months later employers will have questions about your reliability.  They will wonder if you still have what it takes to those get the job done effectively.  On the other hand, if you maintain contact with who are responsible for getting projects staffed and completed on time you have a good chance of picking up some side gigs pretty easily.  You are also much more likely to be seen favorably if you decide that retirement isn’t really the right thing for you and are trying to get back into the corporate world.

So, how exactly do you keep your name out there?

One way is to simply maintain the friendships you’ve cultivated over the years with your work mates, supervisors and clients.  A quick lunch once a month can do wonders at keeping your name in someone’s mind.  Email correspondence is another method for keeping in contact.  It might seem impersonal and is not as good as face to face meetings, but it will serve to let others know that you are still around and that you are maintaining an interest in your former career and company.

The internet and social networks have made it easier than ever to keep in contact, even with those who live on the other side of the country…or even the world.  Use the sites like LinkedIn, Facebook, and even Twitter to maintain contact with those who could benefit you in the future if you reverse your retirement decision.  It takes mere minutes and could pay huge dividends in the future if you need a referral or a job.

So, go ahead and quit your job if you’ve run the numbers and it seems to make sense.  Just don’t quit your profession.  Keep your name out there in the minds of those who can make a difference if you eventually change your mind.  It might seem unnecessary now, but in 3-5 years you might end up believing it was the wisest thing you’ve ever done.

Photo credit: flickr buddawiggi


Her name was Kathy. 

The big boss must have wondered why she even had a five-person advertising department — according to Kathy, any work that was praised was her own. (Any work criticized? That was another matter.) She demanded, pushed, hectored and was quick to stab anyone in the back who got in her way, including me, her hapless assistant.

Her most shining moment was during a magazine deadline. (Our company was a wholesaler who supplied many different retail stores; it published a flashy color newsletter with product reviews, articles, that sort of thing.) At day’s end, we still weren’t finished. Kathy chewed us all out and stomped home, no doubt to brood on her staff of incompetents.

The only problem: we didn’t follow her. Everyone else stayed and worked — all night, in some cases. (I left at midnight.) By next morning, the issue was ready. The big boss, full of praise. And Kathy couldn’t take credit for it, because she’d gone home.

Boy, was she mad.


If your job is hard enough to begin with, dealing with an bad boss can tip your life into chaos – fast. Quitting means losing income, with no help from unemployment. (And if you’re truly in midlife, getting the next job might not be that easy.) Staying could eventually qualify you for crazyland — unless you take concrete steps to help yourself.

They don’t care. They don’t have to. Ernestine from the Phone Company was right.

Your Boss from Hell (and yes, there’s actually an annual contest to award this dubious title) isn’t concerned with your feelings. They want the work done — and they want it done their way. Which means…

Don’t take it personally. This is the hardest part. No matter what happens, your job should not define who you are in every other aspect of life. Some jobs are important to growth — others may just pay the bills. I consider a year or so spent at Wal-Mart, making cotton candy and working in their grill, in this category; it kept our household going, until other income picked up the slack. There were other ways to bolster my self-worth, including hobbies (one which eventually became my main income) and your family. You cannot let every job define who you are.

They’re concerned with their own promotion – not yours. Make them look good by doing sterling work, and you’ve erased your name from the layoff list. (Letting you go would mean they’d actually have to do the work they’re taking credit for.) On the plus side, if the big boss really does think (doubtful) that your supervisor is what they say, he/she will be promoted right out of your department. And that makes them someone else’s concern.

What do they really want from you?  All that bluster may hide a lot of insecurity. Perhaps your boss isn’t sure of their own abilities. (Or they’re making most lunch hours refreshingly liquid, as a later boss often did.) If you know what’s needed,  and do it –provided it’s legal and not immoral — then you’ve generally removed yourself from their target.

Tune them out. Do your talking at home, where gossip won’t get you in trouble. (Do it at work, and your boss will find out. Promise.) Think about something else — like the upcoming presidential election! Use music to take yourself away from the situation. A good movie or book are like a mini-vacation into another world; the change will do you good.

Find something better. You’ve got more experience now; why not put it to good use? Go back to school for what you really want to be doing. Switch departments. Cross-transfer. Or look elsewhere.

In my case, it was a move to Colorado, so Husband could go to graduate school. Some months later, I heard that Kathy fired nearly everyone on staff. Soon after, she left the company, and took a cushy job doing promotional work for a nearby hospital. (I doubt she lasted that long.) It didn’t matter — by then, I’d gotten the editor’s job I really wanted.

It all worked out in the end. It can for you, too.

dealing with an abrasive boss