Motivation to Work for One More Year

Within the Financial Independence scene, there is a notion of the One More Year Syndrome, wherein you can’t cut the cord and work one more year at your job, even if you have the financial means to do so. However, many of us on our financial journey have the opposite problem- we need the will to work at our jobs for one more year.

Let’s be honest. The 9 to 5 is a grind. You’re stuck working with and talking to people whom you’re only connected to by the company cutting your paycheques. When you factor in commute time, eating breakfast, and getting ready for work, you have to be up awfully early. Even if you like what you do, it’s highly unlikely that you’d want to do the same thing for 8 hours a day, 5 days a week.

How do you motivate yourself to tolerate one more year, when you’re confident you can ace your savings and investments?

Visualize What you Want

If you don’t have a vision of the future after financial independence, what will it look like? Think about how you will spend your days and with whom. Will every day be the same or different? How much money will you spend to live the life you are picturing. Knowing what’s in store for you down the line will keep you engaged and trucking along.

Make It Your Choice

What do you do if you really just want to hand in your resignation? Or tell off a colleague? Or disappear from your job, never to be heard of again. Instead, you can say to yourself, “I can do _ any day, but today I am choosing this.”

I first used this phrase when I became vegetarian and had cravings for meat. The opportunity to do what you want is always there. But you’re actively deciding to do something in line with your goals and values.

Track It

I became a lot more motivated to push harder for financial independence when I got a tracker. I use two. Preretirement lets you count down to the second of your expected retirement date. Every time you update your net worth, it either adds time if you’re off track or removes time if you are doing better than expected. Nifty Financial Independence costs 99 US cents, and it more detailed. You enter your metrics including how long the money will last, your net worth and estimated withdrawal per year and it will pop out when you can retire, and what your savings level will be for every year of the rest of your life.


If your job is a means to an end, then you’re going to drill down on why you’re there. Focusing on the long term goal rather than on your day to day grind will help get you there.

What keeps you sharp and motivated for One More Year?

  1. Kayla Sloan

    November 24, 2017 at 9:28 am

    Great post! It kinda makes you think about each time you spend money frivolously and how that adds to the time it takes to reach your financial goals.

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