What If You Lost Your Job Tomorrow?
MMN Recommend
Today I’m featuring Investing Lawyer.
Most people think building wealth means working harder. There's another way.
This corporate lawyer figured out how to build passive income while working a demanding day job. Not get-rich-quick schemes. Real dividends that show up whether you're working or not.
It's practical. Real money, real results, real transparency. The goal is simple—build enough passive income to cover your expenses. That's freedom.
The writing is clear, the approach is methodical. If you're tired of the work-harder treadmill, this might be the perspective shift you need. Worth a read!
I’ll let Investing Lawyer take over from here…
Hey Investor.
Welcome to free edition for everyone of Investing Lawyer - newsletter.
Today we discuss how you could prepare for that unpleasant day when you get fired - because like it or not, getting fired is likely to happen to all of us at some point.
Every week I share you actionable tips and tricks for dividend & income investing, as well as stock analysis. Premium subscribers get access to investing talks, deep dives, Example Income Portfolio, further stock analysis and monthly Top Dividend & Income Report.
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The Purpose of this Article is to Wake You the F*ck Up.
Let’s start with a reality check.
If you haven’t yet got fired from job, don’t you dare to think it couldn't happen to you. You could be the next one in line. Statistically it is very likely that everyone will get fired at least once (1) in their life.
It can even happen tomorrow Monday (this article was published on Sunday).
Getting fired can happen for various of reasons, such as work place conflicts, personality conflicts, office politics, poor performance, weak attendance, and poor management.
Anyone could get fired because of declining business.
Sometimes companies have to make rearrangements and allocate less resources to certain business units. Sometimes it is about survival or trying to avoid bankruptcy. These things are completely outside of your control and you should not feel ashamed for getting fired for such reasons.
Obviously, getting fired is different than changing a job by your own initiative.
It doesn’t matter how you say it. Getting fired is scary.
You Will Get Fired - Because Employer Owns You Nothing
Companies focus for longterm performance & profits.
From employer’s perspective YOU are either an investment or a burden.
A longterm bet or short-term expense. Nothing more.
Your job can disappear at any moment. At the same time the 9 - 5 salary your had trusted to cover your living expenses goes away.
No notice. No warning. No apology.
And the truth is — most people aren’t ready this. According to certain surveys and research studies;
A large majority (60–80%) of workers live paycheck to paycheck.1
Most do not have even one month of savings, and many lack three months.2
90% of people closing retirement do not have enough savings to cover their monthly bills and expenses.3
$5,000 is average savings.4
On average 63% of working class on U.S. cannot cover a $500 emergency expense in time (without taking a loan or making extra shifts).56 But making extra shifts gets pretty hard if that job was taken away. That’s not a kind situation to be in, especially if you have children and a big mortgage to take care of.
One emergency, one unexpected layoff, or AI taking doing your job for free — means that you're in trouble.
And yes, statistically, most likely you are part of this group. This is not meant to shame you. Losing a job could happen to anyone.
But all of this should wake you the f*ck up.
Instead of being afraid of getting fired YOU SHOULD PREPARE for it.
Read above again.
If reading this article makes you feel a bit uneasy, nervous or angry, good.
That’s exactly the point.
Deep inside you understand that you are not ready. You do a quick math and your intuition tells you that if you get fired, you can barely survive financially, maybe just for some months. You know you could change your financial safety net, but you keep focusing for short-term pleasures instead.
Ask yourself the question below:
Could you survive 12 months with your current lifestyle, if you got fired tomorrow morning?
This Is When Your Life Gets Very Ugly, Very Fast
Picture this in your mind:
You’ve just been let go from that 9 - 5 job you thought was ”safe”.
You think about your life in disbelief.
The money gone. Regular pay checks don’t hit bank account anymore. Your career is on pause.
But you know what ?
Your debt still reminds you next month.
Utilities and energy invoice keep coming.
The rent or mortgage has to be paid - banks always win and you have to pay.
You and your kids have to eat. Groceries get more expensive every year.
How long can you afford to have $0 income to get food to the table? Suddenly, even those $17,99 Netflix subscriptions start to seem too expensive. And the list goes on.
To keep it short, you think it is a disaster.
But not just yet, because it will get a lot more ugly.
After a while you understand you don’t have savings basically for anything.
”How life was a lot more cheaper with regular paychecks?”
It wasn’t. Spending money is fun. Saving every penny can be stressful and get depressing. You changed sides, nothing else has changed.
So, you start cutting corners and skipping meals. You start selling stuff you dont need at first. Then you think about selling things you need, just to get over the monthly payments.
Perhaps you got a letter from the bank.
You are stressed when you wake up and stressed when you go to sleep. You shout to your spouse, friends and kids. Stress and anxiety slowly enter to every part of your life.
Can you see where this story is going?
If you have read this far you probably have understood, that there is no easy way out.
The deeper you go the harder your situation gets.
It’s not just about money anymore — it’s about losing your peace of mind, your sleep and your happiness.
But what if there was another way…
What if you knew exactly what to do with your salary right now? Where to place is to protect it and same time increase income streams? How to make good money behaviour an automatic habit for yourself?
What if you started to prepare for losing your job before it really happens?
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Wake the f*uck up and Start Preparing Here:
What If You Had 92 Paydays a Year?
Let’s flip the script.
On average, jobs pay 1 time a month. That’s 12 paydays a year.
What if you weren’t relying on just your job?
What if you would get + 80 paydays a year, in addition to your job?
92 paydays in total.
Continue reading to understand how you can do it.
You’ll Have to Face and Attack Against Your Income Problem
Facts straight: No one is coming to save you. World and internet is full of information, but eventually it comes whether you take action or not.
Instead of worrying about not having enough income, you attack the problem.
You start building your own income portfolio. You start learning how to do it in practice, not in theory. You read newsletters like this and join communities with like-minded people
You notice that other people were just regular folks with same problems you have. And they have won the problems. Or taken steps to overcame them.
You accept that it takes some time, but actually it starts to change your life very fast. After 1-2 years you start seeing the difference.
Alongside your job, you aim to own 20 income-producing assets (e.g. dividend stocks).
1 job = 1 income source. 12 paydays a year.
20 dividend companies = on average, dividends are paid 4X / a year. 80 paydays a year.
Total 21 streams of income and 92 paydays a year.
When you get fired, you still have 20 sources of income. Income Investing solves most financial problems.
Do you understand how powerful impact this approach can have on your life? Your confidence? Your stress levels and blood pressure?
If not, think about these:
When you get sick — you get paid.
If you take time off — you get paid.
If you travel - you get paid.
When you get laid off — you get paid.
Income-producing assets never take vacations. They don’t get tired. They don’t panic.
Your money works for you 24/7, not the other way around.
Listen - Anyone Can Do This
Some of you might think the concept of having 21 sources of income and 92 paydays a year is only for millionaires.
No.
This isn’t about becoming a millionaire overnight. This isn’t about becoming a millionaire at all. It doesn’t matter how “high” the income is at all.
This is what average people with 9 - 5 jobs can start - and should start - any time.
This is about You being responsible and building a safety net for your future.
I will say it again just in case You really understand:
You DO NOT have to be rich to do this. But you WILL GET WEALTHY by doing this.
The modern wealth looks like this: stress-free days, without financial worries and you have full control and freedom to decide how to spend your days. You work because you want to, not because you have to. All expenses are paid by automatic passive income.
All you need to do is start building your income portfolio, and keep doing it for 3 to 5 to 10 years. With right guidance you can take advantage of the snowball effect.
That’s it.
Real Story - Don’t Be Like Henry
Quite a many people I’ve talked with about investing want passive income. But they do understand what for or why. Sounds weird, right?
Here is a discussion I had with my friend Henry a few weeks back:
My friend, Henry, said that he wants to have passive income so much that he doesnt have to work anymore. He has said he hates his job for years.
So I asked Henry ”how much money you think you need?”
Henry had a sad face and responded ”I would have to have more than a 1,5 million euros so it could pay for everything for me. And it’s so much that I will never get there”.
Henry is 29 years old. He wants financial freedom, but already has labeled himself as a failure - in his own mind - and thats why he hasn’t even start.
This makes me frustrated, really. What in earth makes a 29 - year old man inner-self speak to himself in negative tone and to prevent him from starting?
Henry is an example how many people think and it very unfortunate. Henry couldn’t be further from the truth. A 29- year old can achieve anything.
Here’s something I share all the time to premium subscribers:
Your Income Portfolio does not have to pay for 12 months of your annual expenses. That is simply too big goal for 99% of people.
Instead, start with a goal:
✅ Passive income covers 1 month of your family expenses;
✅ Then 2 months;
✅ Then 4 months.
Then decide whether to continue or not. 1 - 4 months is very doable. That’s real freedom. After a while, you are hooked.
I did it myself as well to show it can be done. Here’s a link, you can check how:
How I Increased My Passive Income by 25% in Just 6 Months—Without Taking on More Risk
Even if your Income Portfolio only covers 1–4 months of your expenses…
That’s peace of mind. You sleep better at night. You won’t panic when your boss calls you to a meeting and you get fired.
It’s not Sexy, but it Works
Income investing isn't sexy.
It won’t go viral on TikTok like “how to go from $100 to 1 million in 7 days”.
I know, it would be way more fun to do that. But that’s not real.
Then again, getting fired will feel very real.
Income Investing works and will take care of you financially. That’s because it is stable, reliable and gets you paid every month. Income investing has worked for hundreds of years.
Never underestimate it.
And also, just to be honest, if you lose your job, who cares? What matters in life is steady income.
You can also reinvest your dividends to speed up the compounding. Your income increases month by month. Year by year.
And one day, you’ll wake up to realize that…
You’re no longer afraid of losing your job. Because you are not depending on your employer anymore. You have only 1 thing to do.
Take Action and Start Improving Your Life
Because no one else will do it for you. People will save their assess not to get fired when you do. You should start preparing today.
I write this newsletter to help people like YOU to break free. To have an option to decide, not obligation to do what their boss says, just to get a paycheck. Not just from financial worry, but from feeling powerless. To have the full control for their lives.
Premium subscribers get:
More understanding how to increase their income;
Real strategies for real people.
Exclusive guides on building dividend portfolios;
Monthly stock ideas and breakdowns;
Deep dives talks and deep dive stock analysis;
Example Income Portfolio to go from $0 to $1,000 in monthly dividends;
👉 Upgrade to premium subscription now, to be smiling and stress-free when you get fired.
Sincerely,
Investing Lawyer
1 https://www.finfit.com/itw-2024-press-release/?
2 https://nypost.com/2025/06/11/lifestyle/heres-what-hourly-workers-are-doing-to-get-by/?
3 https://finance.yahoo.com/news/90-lower-income-adults-over-180014724.html
4 Ibid, 1.
5 https://www.cbsnews.com/news/saving-money-inflation-hourly-worker-minimum-wage/?
6 https://www.cnbc.com/2023/08/31/63percent-of-workers-are-unable-to-pay-a-500-emergency-expense-survey.html
Nothing in this email is intended to serve as financial advice. Do your own research.
 | A guest post by
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Two great people on this one.