{ "media_type": "text", "post_content": "Leave a secure but underpaid, full time, toxic af job or go freelance and get the title bump at and indie agency? Healthcare etc scares the $hit out of me", "post_id": "600e1711d3bd0400224f7221", "reply_count": 16, "vote_count": 5, "bowl_id": "5565cfca8b2b9a03009acf57", "bowl_name": "Advertising" }

Leave a secure but underpaid, full time, toxic af job or go freelance and get the title bump at and indie agency? Healthcare etc scares the $hit out of me

like
Posting as :
works at
You are currently posting as works at

You had me at toxic. Gtfo of there.

like

Do you have a family that you need to provide for? How are your finances? I'd go freelance if you can financially swing it. Your current job sounds terrible, but it is still a tough job market, so I can understand the apprehension to leave. Did you write out pros/cons for each?

likehelpful

I have a cushion for almost a whole year if need be. Writing pros and cons is actually a good idea. Thank you friend.

like

TLDR; freelance feels scarier than it is. Was laid off during the pandemic from a toxic “dream job” client side and took a contract role just to try to get through quarantine and then make a move later. Healthcare sucks, but honestly you can just do COBRA and it’s not that bad because you get paid a lot more when you’re a freelancer even if you opt to deduct taxes now. I kept my insurance from my old job and it’s $569/a mo but I kept the good one bc I have some health stuff. You would also be eligible to sign up for healthcare in the marketplace since leaving a job is a status change. There were some plans that were $250/mo. Just make sure you have a few months of savings incase you end up not being super permanent there.

likehelpful

Also! My agency offered me their base plan health insurance. You might have the option to get some through them even as a contractor, I just had to pay the premium monthly. I ended up keeping the cobra one bc it was about the same price and I liked the coverage more.

like

Cobra runs out after one year FYI. The actual decent plans on the market place are $1000+ a month. Factor this into your thinking long term

likesmart

Since you have the money saved up, get out. I honestly feel like I had PTSD from a toxic boss. Took me months to feel normal. I should have quit earlier for my mental health.

like

All of this 👆👆

like

Sounds like you have your answer! I was laid off from a job working in a horrid toxic work environment. Couldn’t have come at a better time. It utterly ruined my confidence, which I’m still working to get back. Cobra is a great resource, use it. Indie agency sounds fun. It doesn’t need to be your final stop. Go and have fun and report back!

like

Nailed it! I never felt so confident walking into a job, then feeling so consumed with remorse so soon. Not for leaving my prior job but for the shell of a person I quickly became. Horrific! You’ve got this. Now good kill it and be happy!

like

Thank you. Dumb question. Can I do COBRA if I resign?

Lovely. Wonderful. Thank you so much

like

Related Posts

I am switching jobs and my wife is pregnant. We will have health insurance with my new employer but my wife found some article suggesting we may not get pregnancy coverage under new insurance because they will recognize it as a preexisting condition. Can anyone assuage my concern and let me know if there’s any validity to this? Are we screwed..

like

Have any of your agencies taken steps towards acknowledging and addressing mental health issues in your office? Care to share, good or bad? Hoping to get ideas to take back to our leadership. Thanks!!

like

Should I be worried that my 401k YTD return is only 4.13%? Not sure how accurate that number is, if it is....pls help 🥲

like

Anyone pivot into health tech from consulting?

like

I have 60k in Cash (High Yield Savings and Checkings accounts). And 60k in Investment Accounts (401k, IRA,Taxable, Etc). Have 2 investment properties. I’m 25, should I be more diversified? I want to make sure I’m capitalizing on my cash as much as possible. Should I be putting more into the Markets in stead of having so much cash?

like

What does tuition reimbursement look like at MBB? Obviously referring to part time

like
likehelpful

London is one of the most expensive places to live in the world. Why is the pay so bad?

likesmart

Concentric Health Experience (CHX)?

I have zero motivation to work out at home (won’t be back to the gym anytime soon where I live) but I know it’s necessary for both my physical and mental health. Any suggestions for motivation and maybe some great at home workouts I could try?? Getting desperate over here!

like

Thoughts: my colleague passed away this week. He had no bank nomination or will. His personal savings gone to the state and not his family. Observations: Beef up your life insurance

likesmart

I’ve put on about 20 lbs during covid lockdowns and haven’t lost a pound since. My SO loves me but (and I agree) has always been big about us keeping appearance and weight in check, first for our health but also for overall attraction. His take is if a disease somehow made me put on weight there’s not a comment he would make but in this case it’s really bad exercise and diet habits. I don’t disagree but I’ve never been so far from my target weight that I just don’t know where and how (cont)

like

Is a pet insurance needed/ worth -if my pup is from a responsible breeder (and so hoping potentially less health issues)? If so - any recommendations? Thanks..

like

I've been putting my 401k into a target date fund, but the risk/upside just isn't high enough given I'm not retiring for another 30 years. Thoughts on putting it all in a large-cap growth fund (VIGIX)? Returns have been solid over last 10 years. Investing through work, so don't have all funds available to me.

like

Anyone on here complete grad school through GSAP and go back to Deloitte and have any pro tips for how to do it right? (Max reimbursement, things to do before you leave, benefits, etc.)

like

@ Guidehouse ppl - I left the firm a year ago but left my 401K funds w my old Transamerica acct w GH. Now GH is bought by Navigant & Transamerica said my contract is ending..will I lose my 401k $???

like

Can anyone recommend how to get into mining with current shortages of graphic cards? Want to set up something for my parents as thy are getting older and I am afraid Gov benefits will be erased...

like

Seeking referral to Microsoft for a healthcare position. Trained MD with healthcare strategy consulting experience. Please advise on how we can connect and really appreciate your help!

like

Anyone see a registered dietician without having a very pressing health issue (as in, stomach issues or obese)? I just lack the willpower and focus to really effectively control my eating, I’d love to have someone to hold me accountable and help identify specific triggers I have personally to lose like 15-20 pounds. How did you go about finding one?

like

About to get an offer to move to a health agency. Anyone else make that move? How was it? I’ve lost major interest in the hustle glorified at traditional agencies, and have a fam so need better WLB. Realizing regular agencies aren’t made to work around family life…more like the other way around. Even when setting boundaries you get comments and pressure…working til midnight every night to “make up” for having to log off between 6 and 9 every night isn’t a good balance for me.

like

Additional Posts

Who still goes to firm happy hours? Raise your hand because I do NOT want to go today and could use convincing otherwise

like

Do you guys use ”Hi guys” in the office to address everyone irregardless of gender or is that banned?

likehelpfulfunny

I’m trying to figure out what I’m worth. I’m a director / editor who works directly in-house at an agency. I’ve directed several (roughly one a month) broadcast spots in the last year for a national fast food client and I’ve also edited those spots among editing other random national spots in-between. The production budgets range from roughly 200k-500k per shoot depending on how many days it is. I get paid 75k yearly which is feeling pretty low when I do the math. Is that fair?

like

This is for my real estate agents. I’m brand new into the business and I adore the work. What tips or pointers can you give to a new agent- I’m in Las Vegas if it helps to be specific. If anyone has any book recommendations that’d be awesome as well. I’m looking to learn anything and everything. For example, learning what I can and can’t do to make a deal close

like

Ugh, my downgraded Amex green card arrived today. Also t-minus 17 days until the new $60 mobile reimbursement. $1200+ in comp I will miss!

like

401K Question - Very Confused. Just came to US and will be here for about 4 Years. Firm matches 25% of first 6% employee down. Some say, upon withdrawal, have to 40% tax/penalty / others say .. Contin

like

When someone gets fired/laid off but they keep their previous title/agency on LinkedIn, does anyone ever tell them to change it?

like

What do you recommend investing your money in if you don’t think you’ll live very long in retirement? Most my family hasn’t made it past 70 due to cancer etc., so I’m concerned the money I’m putting in 401k will never be able to be used by me… thank you.

like

If you're on a PiP, is it better to quit just before the end stage, when you get fired, or better to get fired and collect unemployment, but also have a company-based termination on your record

like

There’s not that many jr. strategists on here, and I’m afraid that an agency I’m interviewing with might recognize my complaints/questions 🙃

What’s the best way to cold email an agency or production house to land an interview? Do things for the first time and wondering if there are tips or things to keep in mind

like

What did you guys do with your 401k and your shares before leaving the firm?

like

Anyone here have the Allbirds flats? Are they professional enough for consulting? Finally going back to travel and realizing I have no shoes anymore!

like

How much do SwE/devs with 3YOE (fullstack/cloud) make in tech on average?

like

Anyone gotten rhinoplasty? I was getting consults before the pandemic and chickened out bc I’m terrified of dying in surgery for a cosmetic procedure. But I’m considering it again bc I hate how I look in photos and bc we’re all wfh and I’ve never met my colleagues in person so no one would know. Anyone had this done? Was it worth it? Any issues?

like

United Global Services or AA Concierge Key and why?

like

Any good registry hacks? Or discounts to save money for things I’ll need for me , baby or the house?

like

Are hours in FAANG/ big tech actually better than MBB?

like

Is this the end of days for our love affair with cryptocurrencies?

like

I’m shooting my shot. This is not my preferred avenue but I don’t have the old fashioned connections. I’m looking for a BCG and/or Bain referral after a screening call. I applied to Mck without a referral (MBA/undergrad from non target schools) and have first round interview on the 29th. I have been studying casing/strategy since October to transfer from industry to MBB. My background is strategic mktg until ‘18 graduation from MBA, with a Supply Chain focus.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.

For account settings, visit Fishbowl on Desktop Browser or

General

Legal