There are times when money matters and times when it doesn’t. A few years ago, I thought that money mattered all the time. Well, trust me, it doesn’t.
No later than a week ago, I was offered the ultimate position for a financial planner within a financial institution: Private Advisor for Wealth Management. This is a very selective position where you handle 100 to 125 customer relationships with the high net worth clients. In order to be a client of wealth management, one must have at least 1M$ to invest.
The job is about the same that I do except you are playing with millions instead of hundred of thousands. It obviously requires more expertise and strong client relationship abilities. 2 things that I have acquired throughout the years working as a financial planner.
The job is very demanding but very motivating at the same time. On top of that, the salary is huge. If I was to keep the same level of performance I have demonstrated as a financial planner, I would be making around $250K per year. This is only base salary plus bonus…
There is only one big problem; The office is on the other side of Montreal. This means that I would have to travel between 1h45 to 2h morning and afternoon to get to work. On top of that, I would often be stuck in traffic as the road to get there is terrible traffic wise.
A few years ago, I would have negotiated with my wife to put our house up for sale and move closer to this amazing job opportunity. I would have sacrificed my lifestyle for the sake of money. Since I am presently looking to pay off my debts faster, earning at least $100K more would mean that I would be able to pay off my mortgage within 5 years. However, the price to earn a bigger salary is too high.
Do I regret my decision?
Not at all. I just found that it’s too bad the job was too far away from where I live. However, I have learned throughout the years that being happy both at work and at home is priceless. Therefore, I find it’s easier to say “no” to a position that would have driven me crazy. After all, money is not everything!
Saying “No” and staying on the guest list
My biggest challenge was to say “no” to the job while keeping my name on the very short list of people on the company’s radar for this type of position. So I told them that I really want this job but that I would not be performing well since it was too far away from where I live. I told them that I would accept anything downtown or on the south shore of Montreal. The conversation went well and I am confident that if there is another position opening, I’ll be called again.
In the meantime, I’ll concentrate on doing my job while working on my online business ;-D
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