Ever since I started full-time freelancing, I suddenly have an interesting answer to the question, ‘What do you do for a living?’

It being the season of Christmas parties, and making conversation with drunk people you don’t know, I must have been asked this question ten times in the last couple of weeks, and have been surprised by the different response I get now, as opposed to when I was employed in-house.

The biggest response is always along the lines of people saying they wish they had the guts to quit working for the man and do what they’ve always wanted to do: work for themselves.

This is usually followed-up quick smart, by a big, fat ‘But’.

Something I’ve discovered, and which you probably already know, is that people love to make excuses for why they can’t go out and do the things that they really want to do. And when it comes to people wanting to quit their corporate gig and go and follow their dreams, the biggest excuse invariably involves money.  Because the fact is, no matter how much you might want to go and knit tea-cosies in your spare room for a living, it probably means taking a big paycut, at least to begin with.

Which is true. And it’s scary. And there’s a million reasons that most people never have the guts to do it until circumstance forces them to – when they lose their job and are forced to reassess things.

Most people won’t take the plunge to follow their dreams because leaving their job means letting go of all the things that having that job entails: a big mortgage, nice cars, designer shoes, etc. Lots of of people will use this as an excuse, but it’s not really an excuse.  It just means that the nice house and cars and shoes are more important to that person than following their dreams. Which is fine, but those things will only stop you doing what you want while you let them. If you really wanted to work for yourself you would make it happen; make changes in your lifestyle, rethink your outgoings, and just go and do it.

The same idea applies to all other areas of common excuses people make about money; about getting out of debt, starting to save for retirement, setting up an emergency fund. The things that have stopped you doing it so far will only stop you for as long as you let them. So stop letting them.

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