Is it safe for me to pursue recreational employment?
Some (relevant) background:
- 30s male here who was trained at the bachelor level in both physics and mathematics, before graduating from physics in a global top 10 university.
Been in tech + finance sector for almost 10 years before leaving my role a year ago (have not looked around since then) to immigrate to my wife's country.
Throughout my life, I've been involved in deskbound roles due to the academic rigour of the environment in which I grew up in, with university and my professional career choice that demands long hours at the desk.
I have worked in a fry + fine dinning kitchen, for a few months, during my undergraduate studies (going back 10 years+ ) and have been subjected to both the pressure in the kitchen and at the tile.
Numbers:
- Me: Zero capital gain tax from the country I am from.
- Me: Holds close to 500K in a private brokerage that is spread across 3 individual companies, 250k in a mandatory national pension fund invested in relatively higher risk funds (Greater China, Emerging Market, Global, etc) that has historically grown at 9-10%/ year. Past two years return was around 25%/ year.
- Me: the only child in the family. My only family member is a dad who is self - sufficient.
- Me: On the will for a 500-600k apartment in my home country. Full rental yield is around 2,500/ month - 3,000/ month
- Wife: on a 200k/year salary (in a role that makes it impossible to be fired)
- Wife: 230K in her mandatory national pension fund that I manages and invest in the usual safe ETFs. The tax on capital gains is around 15%.
- Mortgage (in her name to avoid foreigner stamp duty): 500k at 6% interest or $3.2k/ month but net mortgage is more like $1.6k/ month should a room be leased out. Two - storey house built 5 years ago. Total cost of the property is $850K but currently is valued at $1.3M - $1.5M.
- Combined Expenses (assuming a room is leased out): averages 4k/ month (give or take) which puts saving rate at around 6k/ month. This expense figure includes the premium for 4 crucial insurance policies of mine that provides a low 7 - figure pay out to my wife should anything happens to me.
- Holds close to $100,000 cash in our joint account. The 6% interest on the mortgage
- Does not want kids.
An obvious investment strategy that I may exploit carefully: If the right opportunity presents itself, we could draw down equity from the property as an investment loan and funnel the investment loan into the usual well - diversified ETFs while benefiting from the zero capital gain tax structure.
I believe I am at coastfire? But I guess my question for the community is this: I have worked extremely hard throughout my life. Has anyone been in my position where they decided to leave behind what is considered a "prestigious" background in pursuit of coastfire jobs or recreational employment?
How did it turn out?
Posted Aug 13, 2026, 5:04 PM UTC