Work out the income you actually need to replace, then plan the conversation that ends the job.
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Every exit fails for the same reason: the target was vague.
"Enough to leave" is not a number. It's a feeling — and feelings shift with moods, news cycles, and bad weeks. You need a specific dollar figure, a specific stability threshold, and a specific margin of safety. Everything else is thinking about thinking.
Your exit number has three parts.
1. The replacement floor
What does your salary actually cost you to collect? Take your gross. Subtract the commute, the work wardrobe, the lunches, the convenience spending that only exists because you're too tired to cook, the childcare that exists because you're not home, and the subscriptions you bought to make the job tolerable.
Most people find their salary is delivering 60–75% of its face value in actual life benefit. The floor you need to replace is that real number — not the gross.
2. The self-employment premium
Replace 100% of your floor from the business, then add 25%.
That 25% is not lifestyle inflation. It's the real cost of running yourself: your own super, your own insurance, your own equipment, your own slow months, and the tax your employer was previously absorbing half of.
3. The stability threshold
One month of hitting the target is luck. Three months is a pattern. Six months is a floor.
Your exit number is not a revenue figure — it's a revenue figure sustained for six consecutive months, not a moving average. If you can't sustain it for six months from a standing start, you are not ready to pull the trigger.
The formula:
Exit income = (Salary × 0.70) × 1.25, sustained for 6 consecutive months
Run the number now with your actual salary. Write it in the ledger. That figure is the gate.
The first dollar is not the trigger
Getting your first paid job proves the service is sellable. It does not prove the business is sustainable. The gap between "one person paid me $350" and "I can replace my salary indefinitely" is where most people get the timing wrong — they feel the momentum of a first payment and mistake it for a floor.
The six-month threshold exists because one job, one month, even three months, can be variance. Six months of a floor is a pattern. Patterns sustain an exit. Variance doesn't.
Seal every payment in your chain as you earn it. That is how you know when the six months actually started.
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