Part 2: courage to quit 9-5

Part 2: courage to quit 9-5 (the math behind)

December 17, 2023

If you’re thinking…

“How long before I can quit my 9-5 to work on my business full-time?

And what about the money anxiety?…

…How much do I need to save before quitting 9-5 to work on my business full-time?

How do I define financial success for myself? When is enough enough?”

Today’s newsletter is a continuation of the previous issue of The Big Win published yesterday >

How do you know if you’re ready to quit your 9-5 and go all in on your online business?

Now, team I can understand it’s hard to commit to your online business dream without knowing the answers to those questions.

But a lot of new entrepreneurs get too hung up on the timelines.

Or how to define financial success for themselves.

Is it having a side income? Replacing my salary? Reaching 6 figures? Becoming a millionaire?

Here’s how I define financial success as a Muslim entrepreneur:

  • You’ve already succeeded if you’re a Muslim and building a halal business
  • You’ve already succeeded if you’re on the path of entrepreneurship and STAY on it.
  • You’ve already succeeded if your work character is striving to follow the Sunnah of Prophet SAW.
  • You’ve already succeeded if you’re purifying your intentions regularly.
  • You’ve already succeeded if you’re following the principles for spending and investing money that brings barakah.
  • And a few more principles I probably missed.
  • That is what success can look like for Dunya and Akhirah. This is CONSTANT and should never change.


Within that larger circle of Dunya and Akhirah, you can define short-term financial success for Dunya however you want.

This is VARIABLE and can change from year to year, based on different circumstances and needs, increasing skill set, increasing earning potential, etc. It can mean ANYTHING to you.

That’s the whole point of having your own business – you call the shots! There’s no need to compare with others.

  • It can mean earning an extra $1K/ month on the side.
  • It can mean replacing your salary.
  • It can mean retiring your parents.
  • It can mean having $100K in savings.
  • It can mean owning a house.
  • It can also mean going as far as you can go doing what you love. (I really love this one and have set this to be the biggest success criterion for myself.)

As a professional with no business background (and having never sold anything before – not even a cupcake at a bake sale! 🙊) I initially defined success as being able to sustain myself, without compromising my values as a Muslim woman.

Once I had set that goal, I did everything I could while trying hard to stay within my Deen’s limits, to achieve that.

For me, it took 2 years of writing a “hobby” blog, and then another 2 years after I started monetizing (selling a program) to reach the level where I replaced my income as a doctor in 2022. I had wanted to achieve that goal in 2020. Lol.

Looking back, I realize now that setting goals is important to get focused but setting strict timelines is useless.

It just creates self-imposed anxiety and sucks the joy from the process.

The one thing I probably did right was learning from the best and staying consistent by not giving up on my goal of being free from the 9-5 life.

With that being said, I understand that it can be a bit difficult to commit to a new path without knowing the numbers needed to quit 9-5.

The money anxiety is very real…especially for Muslim men and some women who are responsible for providing for their families.

It’s probably not very smart to just quit your job without a cushion of savings at the very least.

I recommend having a nest egg that can cover at least 6 months of expenses, especially if you’re just starting your business.

If you have a spouse who is earning and can provide, then even 3 months of savings is good enough.

If you set unrealistic goals like “I want to save for 2 years before I start”, you’ll never start. You’ll never leave. (the exception would be if you’re a high-earner who can live on very little for 2 years)

The other important thing is that for the first year, you have to get resourceful and scrappy.

You can’t be spending on anything lifestyle-related other than the bare minimum, such as recreational traveling, buying expensive “stuff”, cutting back on dining out, moving to a smaller place and spending less on rent, and anything else you can cut back (even if it’s causing a strain, it’s supposed to – it won’t be like this forever!).

The scrappier you can get, the sooner you can get out of the “hustle” mode.

The goal is to get aggressive in saving up money and using that money on the following:

  • To give yourself breathing room to make mistakes
  • To invest the money in learning online business to avoid making rookie mistakes and wasting months/years
  • To be able to sustain yourself even if it takes you longer than you are planning (it always does!!)
  • To not be pressured to be desperate when asking for a sale and trying to win a client (desperation hurts sales, which in turn can make one more desperate and the vicious circle begins)
  • To not be pressured to replace the salary of your job with your business ASAP
  • To not be pressured to provide for a luxury lifestyle in your first couple of years of online business


That’s exactly what I did that allowed me to stay consistent in this path for a long time before getting comfortable.

I hope this gives you a different, more realistic, perspective on how to plan your next steps to quitting the 9-5 life.

Download the Lifestyle Design spreadsheet and Revenue + Client Calculator by signing up below:

This will show you exactly how much money you need to generate from your business to initially provide for a moderate balanced lifestyle so you can quit your 9-5 and work to your full potential.

It also calculates how many clients you’ll need per year to hit that revenue based on the price you’ll set for the program.

It’s free for you 😉

Next Step


If you are someone who values freedom and wants to serve the Ummah with your potential, I wish today’s newsletter gave you the courage to start.

Just START. Have Tawakkul in Allah SWT and He SWT will inevitably Help you. Take energy to start from this beautiful hadith:

Abu Sa’id al-Khudri reported: The Messenger of Allah, SAW (peace and blessings be upon him), said, “Whoever would be independent, Allah Almighty will make him independent. Whoever would abstain from asking people, Allah Almighty will make him abstinent. Whoever is content with sufficiency, Allah Almighty will suffice him.” (Source: Sunan al-Nasā’ī 2595. Grade: Sahih (authentic) according to Al-Albani)

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