A WOMAN who’s planning to retire at 30 with a million in the bank has revealed exactly how she’s going to do it.
Jane Tsa, 26, was working as an email marketing manager before she decided to take on a second job, as a call centre representative.
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Her multiple roles – which see her work a whopping 70 hours a week – means she’s already managed to save £340million.
But there are downsides too, as her marketing job takes her from nine to five, while the call centre position means she’s working until 12.30am – so only sleeps between five to seven hours a night.
“It started when I was 19 when I started working my second internship in an office and it wasn’t something I could see myself doing forever until I was 65,” Jane, from Toronto, Canada, explained.
“I became anti-work and was jaded with the modern work culture and its requirements and started looking into having financial independence.
“That’s when I started investing money and doing side hustles – I stared out with a few hundred dollars a month at first.
“Working two jobs worked best for switching to remote work.”
She earns £56k a year from her marketing job and £22k a year at the call centre – and manages to put away £2,900 a month in savings.
“My second job is so relaxed and flexible it doesn’t add a lot of stress – it’s just the timing, it adds a lot of time,” Jane added of her six-day working week.
“I work 8am till midnight three days a week and one weekend day – and I have one day off a week which is Saturday.
“My nine to five at my last job was very stressful.
“Now that it’s really chill, I’ll go to a cafe to work and do exercise in the middle of the day.
“The balance is a lot better.”
With her savings, she invests in in stocks and real estate, and has seen her bank balance grow to £343k in around seven years.
On top of that, she’s working side hustles and building investments so she can retire by the time she’s 30.
Having multiple jobs isn’t new for Jane – she’s been doing it since she was 20.
And while she’s battled health issues over the years, she has been “able to manage it a lot better recently”.
Side hustles in numbers
Based on new research from Finder, an estimated 22.8 million Brits are using side hustles to top up their income.
Among those aged 18-23, 68 percent have a side hustle in 2024.
Those aged 24-42 aren’t far behind, with 65 per cent having an additional source of income.
Side hustles are less popular among older generations, with 40 percent of those aged 43-54 having one.
Whereas 23 percent of people aged 55-73 and just 7 per cent of those aged 74 and over are earning extra cash this way.
She also remains committed to hitting monetary milestones, and is on track to give up work entirely in her early 30s.
“£621,000 will allow me to work flexibly and work part-time with my side hustles for the rest of my life,” Jane explained.
“A million is full retirement and that would be the next milestone.
“But that’s before I buy a house.
“By the time I’m in my early 30s would be the goal to retire from work.
“I also have a rental property that will be paid off by the time I’m 40 and that income will help supplement stock market returns.”
To allow her to save even more money, Jane has been living with her parents, and has just £11k to pay in expenses each year.
In her free time, Jane likes to “hang out” with friends and family, and likes to draw, paint and do yoga.
Once she reaches retirement in her 30s, Jane hopes to “probably do the same stuff I’m doing now – yoga, drawing and painting.
“I don’t know if I’ll ever stop bringing in money but that’s the goal – to always have some personal project,” she concluded.
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