Help me figure out if I can actually afford to quit my job right now — based on my real numbers, not 'follow your dreams' encouragement.
MY CURRENT TAKE-HOME: {monthly}
MY MONTHLY EXPENSES — fixed: {amount}
MY MONTHLY EXPENSES — variable, last 3 mo avg: {amount}
CURRENT LIQUID SAVINGS (cash, HYSA, taxable brokerage you'd actually sell): {amount}
EMERGENCY FUND vs SEPARATE QUITTING FUND: {are these the same money}
WHY I WANT TO QUIT: {burnout / new_job_offer / starting_business / care_for_family / career_change_training}
NEXT STEP CLARITY: {have_offer / been_interviewing / no_plan_yet / vague_idea}
HEALTHCARE SITUATION: {employer_plan / spouse_plan / can_self_pay / dependent_on_employer}
DEBT (CC, student, mortgage min): {monthly_obligations}
DEPENDENTS: {who}
GEOGRAPHY: {US/EU/Asia — affects unemployment, COBRA, healthcare}
OUTPUT:
1. **True runway** — how many months I can survive at my real bare-bones spend (not the hopeful 'I'll cook more').
2. **Adjusted runway** — adding COBRA / private health insurance / loss of any 401k match.
3. **Risk classification**:
- **Green:** quit, you're fine.
- **Yellow:** quit with a 3-action condition (specific things to do first).
- **Red:** don't quit yet; here's the version of 'quit' that works.
4. **3 things to do BEFORE quitting** to extend runway 30-50% (max out 401k for the year, set up COBRA timing, etc.).
5. **The 'quit-then-X' option** — if you can't fully quit, what's the partial version (sabbatical, contract role, 4-day week ask)?
6. **What I'm not seeing in my own math** — common gap (taxes on selling brokerage, healthcare gap, kids' summer camp, holiday creep).0 copies·0 saves·3 views
251 words·1,648 chars
Sample output
Take-home $7,400 · fixed $3,200 · variable $1,800 · liquid savings $48,000 (combined emergency + 'quit fund') · burnout, no offer, vague 'maybe start something' · employer health insurance · $190 CC min + $400 student loan · partner who covers half rent if needed but won't fund my quit · US
True bare-bones monthly: $3,200 fixed + $1,200 truly-bare variable = $4,400/mo (groceries cut, no dining out, no Uber, no streaming, no 'fun money').
Adjusted for COBRA: add $750/mo for individual COBRA (varies — yours could be $400-$900). New monthly = $5,150.
True runway: $48K / $5,150 = 9.3 months if you're disciplined. Realistic 7-8 months once 'discipline drift' kicks in by month 4.
Risk: YELLOW (with conditions)
You have enough to quit but not enough to quit AND have no plan. 9 months sounds like a lot. It isn't, once you account for:
3 things to do BEFORE quitting (extend runway 30-50%):
Parameters
Text generation parameters
FAQ
Quit math should always be done with a partner or trusted friend who sees your bank account. Solo budgeting is where 'I have enough' meets 6 months of denial. The prompt targets ChatGPT (GPT-4) and lives in the Personal & Career category on mycopyprompt.
This prompt is written for ChatGPT (GPT-4). It's a text/chat prompt — paste it into ChatGPT (GPT-4) (or compatible LLMs like Claude or GPT-4) to get the expected output.
1. Click the Copy button on this page to copy the full prompt. 2. Open ChatGPT (GPT-4). 3. Paste the prompt into a new conversation. 4. Replace any {placeholders} with your specifics, then send. Most prompts produce the right output on the first try; complex ones may need 1-2 iterations.
Yes — every prompt on mycopyprompt is free forever. No paywall, no signup wall for browsing or copying. You can use it for personal or commercial work, just don't redistribute the entire mycopyprompt library.
Absolutely — most prompts are templates. Look for {placeholders} (curly braces) and swap them with your own values. You can also reword sections, add constraints, or chain it with other prompts.
See the "Sample output" panel above — that's a real example of what ChatGPT (GPT-4) returns when this prompt runs. Your output will vary in wording but should follow the same structure and depth.
Similar prompts
Matched against every prompt in the catalog by title.
The 'quit-then-X' option (alternative to going to zero): Before you quit fully, ask for a 3-month unpaid sabbatical or move to 4-day week. Companies grant these more often than people assume — especially if you say 'I'm 6 months from burnout. I'd rather take a sabbatical than quit.' If they say no, you've lost nothing. If they say yes, your runway extends 6+ months because you still have insurance + match continues.
What you're missing in your own math:
The recommendation: quit at end of next quarter, not this week. Use the 3 months to (a) finish 401k match, (b) sell brokerage smart, (c) ask about sabbatical first. If sabbatical denied, quit clean knowing you've extended your runway from 9 months to 12-13 months and protected your match.