She's On The Money Should You Quit A Toxic Job Without a Backup Plan? And What To Do If You Can’t Get Insurance
Oct 23, 2025
Is it wise to quit a toxic job without a backup plan? A community member grapples with high stress and limited recognition, debating her next move amidst financial security. The discussion includes tips on assessing toxic workplaces and exploring temp jobs while maintaining mental health. They also tackle what to do when life insurance isn't an option, discussing alternatives and the importance of emergency savings. Tune in for relatable advice, community insights, and a sprinkle of humor on navigating tricky financial dilemmas.
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Get Professional Insurance Advice
- Talk to a financial advisor to explore alternative insurers, exclusions, or loadings that might still provide cover.
- Build a larger emergency fund and investigate other protections like TPD, income protection or trauma cover where possible.
Prioritize Accessible Emergency Savings
- Keep emergency savings in accessible accounts and avoid locking them into investments you can't access quickly.
- Research Centrelink, NDIS and other social supports now so you can act fast if income stops.
Why Timing Matters For Insurance
- Buy insurance early while you're healthy because pre-existing conditions create exclusions and higher premiums later.
- Insurers underwrite to avoid covering high-risk people, so timing materially affects access and value.