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I Earn $250,000 a Year But Feel Miserable -- Why Am I Struggling With My Financial Success?

July 6, 2025
09:00 AM
4 min read
AI Enhanced
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A Reddit user with a $250,000 annual income is unhappy with his work-life balance -- but can he quit the rat race?

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4 min read

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personal finance

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Published

July 6, 2025

09:00 AM

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The Motley Fool

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moneyfinancialtechnologyfinancemarket cyclesseasonal analysiseconomic

A Reddit user with a $250,000 annual income is unhappy with his work-life balance -- but can he quit the rat race

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What happens when you're earning a lot of money, but still feel stressed all the time and are coping with money worries

This is the situation that one Reddit poster is facing right now

The Redditor has a corporate job and has aggressively pushed himself to become successful, achieving in 12 years what it takes most people 20 years to achieve

He's making a lot of money, but he also hasn't enjoyed life for a long time

He doesn't know what to do, since his focus his been on increasing earnings, not on making a path to ever get out of the rat race

I think I need help; 35, $3M, never been more miserable

By u/Informal_Rope7509 in Fire So, how can he figure out a better work/life balance that still allows him to support his family and pursue financial independence, while also finding a way to enjoy life and stop worrying so much that he stays up tossing and turning at night

Image source: Getty Images

Making a financial plan can help to solve a lot of money woes First things first: The Reddit poster is ly in a good financial position

He's the sole breadwinner in a family with two kids, earns $250,000 per year in pre-tax income, and has a three-year-old start-up that he's predicting will make him $90,000

He has a with $350,000 in equity and a $300,000 mortgage with a 2. 25% interest rate

He also has $2. 5 million in a personal brokerage account, $200,000 in an IRA, and $30,000 in personal savings -- and his three cars are almost paid off

He and his wife are also frugal and spend 50% or less of what he earns

While those credentials on paper should make anyone extremely happy, the poster said he's "never been more miserable. " He doesn't enjoy his hobbies, he can't sleep, he worries he is wasting the best years of his life making money, and he doesn't know what to do it because he never created a plan to get on the off-ramp and stop hustling

The good news, though, is that his own post vides the answers to what he needs to do

He simply needs to make that plan he was talking doing

You need end-goals for your money in order to achieve success Ultimately, the point of making a lot of money is to be able to the life you want -- and the OP ly is not achieving that aim

With the savings he has already and the income his is ducing, it seems he could easily cut back on the work he's doing, especially given that he and his wife are already living on much less than he earns

But the OP may not be aware he has that option

He may not know what any of his options are if he doesn't have an idea of what he is working toward

The poster should make a detailed financial plan, including: How much income his family needs to on How much more money he wants to to hit his retirement goals (based on his spending needs as a retiree) Whether early retirement or working solely for his own is something he wants to pursue

Once he knows those things, he can see if his will vide enough money for him to quit now, or if he's actually got enough d to retire entirely -- or will in a few years at his current pace

Some posters suggested talking to a financial advisor to create this path forward, and the poster can do that if he isn't comfortable doing these calculations by himself

Once he has defined what financial success looks, he won't have to worry so much whether he's accomplishing his goals

He'll ly find that he's soon going to have achieved the financial independence he needs to a life solely based on what he wants to do, not what he needs to

This could help him find a much more balanced apach, so he can start enjoying the fruits of his labor

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