Planning on quitting 6 figure job due to health, how to protect finances and still pursue FIRE?

Advice Request

I (late 20’s F) am planning on quitting my job due to health. I’m currently on intermittent FMLA and have accommodations but it’s not enough. I also tried applying to other jobs in tech, but had no luck, so I may have to quit with nothing else lined up.

I’ve been working in tech between 2-3 years. I’m currently making ~100k a year (gross income).

My partner works part time in retail, so something close to ~20k a year (gross income).

we spend ~4k a month on rent, insurance, food, etc (HCOL area).

I have:

• 100k in a HYSA (discover)

• 28k in a 401k (6% matched VOYA)

• 2k invested in ETFs (through an IBKR brokerage account)

• no debt

Original plan:

My plan originally was to save enough to buy a small house in cash (even if i ended up getting a mortgage and investing it instead i wanted to not have to worry about missing a payment), invest whatever was left over and then I wanted to leave my full-time job to work part-time to cover my expenses and pursue my passions on the side.

Questions:

• Is quitting financially irresponsible given these numbers?

• Would you keep most of the $100k in cash or start investing it if you might not work for a while?

• What should I do before resigning to protect my finances?

• Is achieving FIRE still possible at all?

Additionally:

• Im hesitant to open a roth IRA because i may move out of the mainland US.

• Our families are low income and already struggling to make ends meet so we can’t ask for support.

Any advice is greatly appreciated!

Posted Mar 6, 2026, 3:46 PM UTC

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