How much am I hurting myself by leaving without anything lined up as a senior if I’m trying to leave the industry and figure out a new career?

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All conventional advice about leaving without anything lined up is based in fear of the unknowns. Will it be hard? Maybe.

We don't know. Do what's best for you.

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Use your job to get a job. Don’t leave without a job lined up.

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Significantly from a financial perspective (lost wages, lost appreciation on investments, no benefits)

From a holistic perspective it’s hard to tell. Do you have a support system if something goes haywire? Do you have a strong plan for the career change? Are you certain you don’t want this career anymore?

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If you can stomach it I would say go for it. This career will always be there for you if you need a safety net. Might as well try something you might like better

And yea, I am living vicariously through you because I have wanted to do what you are describing for some time now

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Agree with P1. The best time to look for a job is when you already have one. You’ll have better opportunities when the new employer thinks they’re stealing talent away from a b4 rather than you being unemployed 4 months down the road (which can easily happen if you’re looking for the right fit and get complacent and comfortable with not having a job) and the new employer has negotiation leverage. It’s not even just for financial leverage.

Not trying to swindle you into thinking you always need to stay, because you could very well amicably leave, take 4 months off, and be just fine… just wanted to shine some light as to how optics matters by and large based on my experience and other friends/colleagues I’ve known to have left our firm.

At the end of the day, you know yourself better than anyone (that is desires/goals, self fulfillment needs, tolerance to working hours, family time commitments, friends, valued hobbies, etc.)…. Nobody will look out for you the way you look out for yourself so do your best to weigh things out and make a homerun case for yourself, where you’ll be thinking in 5 or 10 years, hey I made a calculated decision at the time and I don’t regret it because that’s what I needed at that time in life.

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Depends how much financial stability you have, and how far along you are in figuring out your future career. If you live in the US, COBRA is really expensive so if possible I’d recommend finding a job with really good WLB and decent benefits even if pay is suboptimal. Govt is the classic landing spot for this. That way, you save a lot of money you would otherwise have spent on insurance and have the free time/peace of mind to pursue your career pivot. Also looks better on the resume in case you change your mind and want to stay in accounting.

Long-term unemployment isn’t fun. I have never dealt with it but I have friends who have, and it takes its toll unless you come from a wealthy background. Just my three cents.

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