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Invariably, having a permanent job runs in phases. This is particularly true if you are just out of College/High School and land your first "real" job, but also applies to switching jobs as well. At first, you are both nervous and excited. Everything is new! There are things you have to learn, procedures to follow, challenging and exciting responsibilities are laid on your shoulders.

After the excitement wears off, however, you start feeling like you do the same thing day in and day out. After a few years or so, you feel like you know what you're doing, the work isn't particularly challenging, and like anything that you work at for 40+ hours a week, you get tired of doing it.

How do you break out of the cycle? You can switch careers, move to a new location, push for a promotion that will lead to a bigger paycheck and more refreshing work. But is that it? Do you have to keep working? Do you enjoy having only 2 of your days every week to yourself?

Of course I don't have a magic bullet, there's no one answer for everyone. What you can do, however, is lay out your future so that you have the flexibility to move, change careers, whatever suits your fancy. If you pin yourself down financially, you may be stuck with a job you hate in a career you can't afford to leave. I'm sure you have heard this before: live below your means, save, invest intelligently, start generating more passive sources of income on the side. The more "extra" money you have at the end of the month, the more secure your footing will be when you want to say goodbye to the Rat Race.

As an avid investor and master penny-pincher myself, I'm always looking for ways to take advantage of seemingly small opportunities. If Citigroup offers me $50 to setup a new savings account, I'm in. Sharebuilder has a new offer to put some money in my account when I set it up? You got it! I've even given Agloco a try(link below). These seemingly insignificant amounts are what power much of my savings. There are plenty of ways to bring in extra income for you and your family, but you have to be smart enough not to spend it. Put it in a high-yield savings account, or dividend-paying stocks, and you'll soon have your very own mini-money machine. Will you get rich quick? Of course not! What you will find that coupled with your current savings, it all adds up to the financial security you are looking for.

Agloco link: http://www.agloco.com/r/BBFD88 59 -This is not a recommendation for Agloco, but its free and I thought it relevant to the article. I believe in an open, honest policy for any links in what I write.

Happy hunting for financial independence!

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