Today, February 1, 2016 – I’m writing to you as a self-employed man.

For those of you who don’t know – I’ve been working in the commercial banking industry for nearly a decade now, and from time to time I’ve gotten inquiries from readers asking, “Why are you still working a full-time job?”

I always thought it was a fair question. After all, if I’m doing reasonably well with a business like land investing – honestly… why the heck would I waste my time with a day job??

First off – I wouldn’t say I’ve “needed” the income from my job for a while now (if I had been desperate to quit earlier, I’m sure I could have made it fly), but as my part-time real estate gig has ramped up over the years, I started seeing my job as less of a “necessity” and more as a “security blanket”. It might sound weird – but I took great comfort in the way it provided me with a predictable paycheck and health insurance benefits regardless of how my businesses were doing.

As time progressed, I started realizing that my predictable paycheck was becoming more of an obstacle than anything. I had always been trained to look at life through the lens of an employee (and all the limitations that come with that perspective), and it was surprisingly difficult to UNLEARN that kind of mentality.

Even as I write this, it feels a little strange (in a very, very good way) to be doing whatever I want instead of making other people rich.

As someone who has longed for freedom and autonomy all my life, I didn’t expect quitting my job to be such a dilemma, but it was!

What’s the Big Dilemma?

As I reflect back on it, I think there were a few reasons why I hesitated for so long to make my move…

1. It Was A Good Job

Have you ever had a job that made you LOATHE getting up in the morning?

Before I graduated from college and got established in the professional world, I worked a few different jobs that can only be described with one word:


When I broke into the banking profession, it was a huge breath of fresh air from the previous jobs I’d had. After some of the terrible working experiences I had been through, I knew right off the bat that comparatively speaking, people in the banking profession had it pretty good.

When I first started my banking job, I loved it. It gave me all kinds of incredible opportunities to work with successful business owners, local bank executives and some highly influential people in my corner of the world. It was a privilege to work with these people – and most of my peers didn’t get to experience this in their day jobs (especially in their early 20’s and 30’s).

2. Income Diversification

I always appreciated the income diversification my job provided me.

Most people don’t look at their jobs this way because it’s their ONLY source of income (a scary place to be) but in my case, I hadn’t relied solely on this source of income for a long time. As a result, I looked at my job a bit differently than most people do – I saw it as more of a “diversification tool” than a pair of handcuffs.

Depending on which strategy you’re following – real estate doesn’t always bring a steady stream of income to the table, but my job did. I received a simple salary with no commission, and even though my income was nothing to write home about, it played an important role in smoothing out my cash flow, which was vital when I was getting started.

In the first few years of running my side business, my cash flow was all over the place. One month would be unbelievably huge, while the next would be completely dry. During this time of building up my sources of passive income, having a steady job with a predictable pay check wasn’t just helpful, it was critical. It allowed me to make smart, unemotional, data-driven decisions instead of stupid, knee-jerk choices from a place of desperation. If I hadn’t had this reliable source of income to support myself in the early years – I’m not sure how I would have survived.

3. Synergy

I was lucky, because I had a job that lent itself well to my real estate investing career. I learned A LOT of valuable lessons from the commercial banking world – things that played a significant role in building my foundational knowledge about how real estate transactions work.

Not everyone has a job that overlaps with their dream, but I was lucky enough to find myself in this kind of situation, and I tried to extract as much value from that common ground as I could.

4. Lifestyle Design

Real estate investing has always been strictly a part-time gig for me, and it probably always will be. Make no mistake about it – even though I’m not working an 8 to 5 job anymore, I still don’t consider myself a full-time real estate investor.

I always knew that when the time came to quit my job, I wouldn’t be doing it to simply to replace my job with another full-time job (even if it did pay a lot better). It was important for me to design a life where I worked because I wanted to, not because I had to.

Pulling the Trigger

So what was the straw the broke the camel’s back?

The reason I finally decided to quit my job was simply this:

It was becoming the biggest bottleneck in my life.

The time I had to spend on my job was getting in the way of things that were FAR more important in my life. This became increasingly evident to me in 2015, which was a crazy year for a lot of reasons…

  • Out of the blue, several close people in my life were diagnosed with life-threatening illnesses (cancer, heart disease). Some of them survived, some didn’t, and some are still fighting for their lives.
  • Shortly after my wife and I had our first child in 2014, I started becoming acutely aware of how fast children grow up. I didn’t want to lose any more time with my daughter (and any other future children) than I had to, and I definitely wasn’t going to spend that irreplaceable time working for a paycheck I didn’t need.
  • After several conversations with other self-employed friends, I realized that by keeping my job, I was trading true freedom for a false sense of security. I was on a path that felt easier because I wouldn’t have to think about the stress that (I assumed) would come with self-employment… but I was paying a dear price for it with my time – a priceless commodity I could never get back.

a755fa2fb2578514fca210e37bc66292The bottom line is – life is just too short.

In the grand scheme of things, our time on this earth is a fleeting moment in the span of eternity. Every day is a gift, and our time is like a currency we aren’t allowed to save. It’s a “use it or lose it” kind of thing – and in my case, it took a few collisions of tragedy and opportunity for me to start seeing this clearly.

Stepping Stones

With that said – I’ll always tip my hat to my former employer because my job was an essential building block that made this whole transition possible. Without it, I never would’ve had the opportunity to explore things like real estate, land investing, rental properties and blogging.

It took a lot of sacrifices to make this leap possible. I remember seeing a lot of blank stares on the faces of my friends and colleagues over the years. Whenever I told them about my dreams, a few of them understood exactly what I was doing, but most of them just didn’t get it. Eventually, I stopped talking about my side projects altogether, because I knew most people didn’t see the world through the lens I was wearing – and that was okay for them, but not for me.

IMG_6802I have no doubt many of my peers probably thought I was a TOTAL LOSER because I showed such a lack of interest in things like job promotions, raises and climbing the corporate ladder.

What they probably didn’t realize was that my sights set on something infinitely more important.

In my mind, my job was simply a means to an end – it was never the end itself. My goal was to earn my freedom, and with enough time, effort, patience, persistence, prayer and providence, that’s exactly what I was able to do.

What Are You Waiting For?

Please don’t get me wrong – I don’t mean ANY disrespect to people who are happy in their day jobs and prefer the safety of a conventional career. I spent many years of my life there, and I know there’s something to be said for the “predictability” of a steady paycheck. If my job had provided the kind of legacy I wanted to leave in the world (something I suspect rarely happens for most people), I might still be there.

My whole problem was – my job wasn’t my dream. Some people are blessed with a job that aligns perfectly with their talents and aspirations, and if that’s you – you’re probably in the right place and I wish you nothing but happiness and success.

On the flip side – if you’re like me, and you know beyond the shadow of a doubt there MUST be something more than the limited fulfillment your day job brings you… please know that there is hope. I don’t care if you’re a doctor raking in $1 million each year, or cleaning toilets for minimum wage… if you want the freedom to do the work you love, you can make it happen.

It takes time, and an unbelievable amount of tenacity, but there is a way… and while it’s certainly a road filled with challenges, you might be surprised when you get there that it’s not as difficult as you thought.

Start thinking of your dreams as a reality. Don’t think of it in terms of “If only I could…” Start thinking, “Here’s what’s going to happen, and it’s going to be awesome!”

RELATED: Six Months After Quitting My Job – Here Are My Honest Thoughts…

Have you made your decision yet?

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About the author

Seth Williams is a land investor with hundreds of closed transactions and nearly a decade of experience in the commercial real estate banking industry. He is also the Founder of - a real estate investing blog that offers real-world guidance for part-time real estate investors.

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  1. Victor says:


    That is great news. Congratulations! I am having my share of ups and downs with real estate investing.l. But I have the same goal to quit my job. I have the similar motivation as you. My two daughters are growing up too fast and I only see them for at most 3 hrs a day. My family and close friends live 500 miles away. I have made a commitment to quit as soon as I have that stable real estate income. My goal is two years.

    1. Seth Williams says:

      Atta boy Victor! I understand the struggle, believe me. It sounds like you’ve already taken the most important step in deciding, now you just have to stick to your guns until it happens. It’s not quick or easy – but it’s not to much for you to pull off. I know you can do it!

  2. Britton says:

    Good for you Seth! One thing I’ve learned to admire about you is your stringent thought process. Good to see you’ve finally pulled the trigger. My hope one day is your reality!

    1. Seth Williams says:

      Thanks Britton! I appreciate that. If you ever get stuck on the same things I did, let me know – I’d be happy to help you think it through. 🙂

  3. natalie says:

    Way to go!!!! A Big Congrats

    1. Seth Williams says:

      Thanks Natalie!

  4. Billy says:

    Congratulations Seth!

    1. Seth Williams says:

      Thanks Billy!

  5. Joshua says:

    Congrats Seth! I’m glad you have taken the time out of your life to share your experiences, knowledge, and what I think is most important…your motivation! I feel your blog is always full of awesome information, but also keeps us grounded to what is important in life. I have always appreciated that. Thank you.

    Enjoy self-employment!!

    1. Seth Williams says:

      Thanks for letting me know your thoughts Joshua, I appreciate that – and I’m glad you’ve found some good motivation and inspiration from the blog!

      Keep up the good work!

  6. Karl James says:

    Sincere and heartfelt congratulations!

    I’ve gotten to know you enough that your compass points to something more valuable than money. It’s my prayer that you’ll find the newly acquired time an incredible source of wealth – to spend priceless moments with your family, to learn, to teach and to give back to the One who has blessed in ways you’ve been unable to do while constrained by working full time.

    Way to go, Seth.

    1. Seth Williams says:

      Thanks Karl! I appreciate the kind words. That’s my prayer too, and I appreciate your prayers for me as well – that means a lot.

  7. Rich says:

    Congratulations! I haven’t been following your website as much lately as I’ve been pretty busy. But I did get caught up with a bunch of past blogs this past December (When I usually take vacation). You must have been reading my mind, cuz I’ve had a bunch of friends and associates hang it up recently from the day job and I’ve been contemplating it myself. Good stuff that I might have to look at closer as the day draws nearer. KEEP UP THE GREAT WORK!


    1. Seth Williams says:

      Hi Rich, that’s great! I’m glad to hear this resonated with you. It was a big revelation for me when I realized that if I wanted to, the ability to quit was a lot closer than I thought. Sometimes freedom is right in front of us, we just need to take the next step and make it official. 🙂

  8. Jimmy says:

    Congrats man!!!!

    I’m sure you are going to look back on this day and be grateful you did this!

    1. Seth Williams says:

      Thanks Jimmy! It has definitely been a beautiful time in my life. 🙂

  9. Lucas Hall says:


    Way to go my friend!!! Thank you for all you’ve given to the community, and I’ll be praying for you and your family as you take a huge step forward. Keep doing big things!


    1. Seth Williams says:

      Thanks so much Lucas! Appreciate the prayers very much. 🙂

  10. Deocto Enterprises says:

    Man, so much of this resonates with me.

    I’ve been dreaming of real estate for a long time and am about to start the process after 10 years of setbacks (or conquered obstacles, as I like to think of them).

    I’m a pipeliner with a 3 year old son, and really miss a lot on the road, despite my best efforts. I want to be able to invest time into him through traveling and involvement, something that I get a taste of on long bouts at home (yay, gas prices) and can’t get enough of.

    The blank stares friends and family give you isn’t so bad. It’s when they outright laugh at my (admittedly lofty) goals that makes me cringe. Or my Dad’s typical “American Dream” ™ advice of selling my cheap but paid off house to put money down on one 3 times the price.

    I have been lucky to have met an RE investor in my travels who just nodded when I told him I want to own 100 rental properties and replied with, “I got over 250 units in less than 5 years.”

    I’m so glad I found this site. You rock.

  11. John Becker says:

    Seth, I’ve gotten so much out of your amazing blog posts that I just had to share my similar story.

    Like you I was working in a professional, corporate job as an architect, specializing in biomedical research facilities that allowed me to meet some amazing people and do some amazing things but eventually the business of the profession began to sap my energy. I took some time off to look at options and discovered real estate which I pursued. I read the books and attended the seminars and grew tired of trading hours for dollars.

    Then, one day after another long commute home, my girlfriend said to me, “why are you working so hard to pay for those things you don’t need that then cause you to work so hard?” That comment hit me like a ton of bricks and after really thinking it through over a weekend I went in to my job on a Monday and resigned.

    I had some money saved and some cash flowing real estate that I thought could at least get me through 6 months. I then dumped my expensive, leased car, tore up all of my credit cards except one, left my expensive apartment, sold all my furniture and moved to another country.

    That was about 7 years ago and now my morning (late morning) commute to work is from my bedroom to my home office (next to my bedroom) after a great tropical fruit and delicious coffee breakfast overlooking the beach and ocean below. For a break sometimes I go for a quick swim in the pool or a walk on the beach and wonder why didn’t I do this much sooner.

    Somebody once told me that people tend to overvalue what they have and undervalue what they could have. Was I scared when I quit my job – sure I was but I knew that in my life, when my back was against the wall, I always found a way out. I guess you just need to trust in yourself and a greater power too and things seem to work out.

    Love all the blog posts Seth but can’t imagine how you keep coming up with all these great subjects and then write about them in such an easy to understand in-depth style. Must be the midwest in you (I’m a Chicagoan). Your success is no accident. Great work.

    1. Seth Williams says:

      Wow. Thanks so much for sharing your story John! That is so awesome and inspiring!

      I think that whole concept of “overvaluing what they have and undervaluing what they could have” is a big deal. I talk to all kinds of people who feel trapped in their jobs, but with some strategic sacrifices (mostly of things they don’t even need) they could have a MUCH greater degree of freedom.

      I hope other people see your story, stop telling themselves they can’t and starting figuring out ways they can.

  12. Brandon says:

    I loved being self employed when I was. I worked from home for over a decade before a divorce destroyed everything. I had to start over with wholesaling, and got my life back together. But it took many months at a factory minimum wage job before that could happen. The relief from quitting a job, even though you already were able to is a good feeling.

    1. Seth Williams says:

      Thanks for sharing your experience Brandon. Sorry to hear about those past issues, but glad to hear you’re doing well now!

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