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		<title>Digital nomad conferences in 2027 (a calendar for business owners)</title>
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		<dc:creator><![CDATA[This Uncommon Life]]></dc:creator>
		<pubDate>Fri, 23 Oct 2026 14:40:42 +0000</pubDate>
				<category><![CDATA[Community and Events]]></category>
		<category><![CDATA[Digital Nomad]]></category>
		<category><![CDATA[Events and Conferences]]></category>
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					<description><![CDATA[<p>Digital nomad conferences in 2027: confirmed dates, locations, published ticket prices, what each of the 7 programs includes and who it suits.</p>
<p>The post <a href="https://thisuncommonlife.com/digital-nomad-conferences/">Digital nomad conferences in 2027 (a calendar for business owners)</a> appeared first on <a href="https://thisuncommonlife.com">This Uncommon Life</a>.</p>
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<p class="wp-block-paragraph"><strong>Digital nomad conferences</strong> get written up as travel. A business owner books one for a different reason &#45; the people who would understand what you are building do not live in your city.</p>



<p class="wp-block-paragraph">You want a week around people who already run the thing you are trying to run. You also want it in the calendar before the year fills up.</p>



<p class="wp-block-paragraph">Only 7 of these events have confirmed dates for 2027. Here is what each one does with your week. Each entry gives the dates, the location, the ticket price where the organizers published one, what the program includes and who it suits.</p>



<div class="wp-block-group has-background is-layout-constrained wp-container-core-group-is-layout-e86b207e wp-block-group-is-layout-constrained" style="border-left-color:#0038FF;border-left-width:6px;background-color:#F6F4EF;padding-top:20px;padding-right:24px;padding-bottom:20px;padding-left:24px">

<p class="wp-block-paragraph"><strong>Short answer:</strong> There are 7 digital nomad conferences with published 2027 dates. They run from <a href="https://www.nomadsummit.com/chiang-mai-2027" target="_blank" rel="noopener"><strong>Nomad Summit</strong></a> in Chiang Mai in January to <a href="https://banskonomadfest.com/" target="_blank" rel="noopener"><strong>Bansko Nomad Fest</strong></a> in Bulgaria in June. Every one of them runs 7 to 10 days, so each is a trip with 2 flights attached. Published tickets run from $197 in Da Nang to &euro;495 in Palermo, and 4 of the 7 organizers have not posted a 2027 price yet.</p>

</div>



<h2 class="wp-block-heading">Seven digital nomad events have confirmed 2027 dates</h2>



<p class="wp-block-paragraph">The dates below come from each event&#8217;s own website, checked in October 2026. Where an organizer has not published a 2027 price, the table says so instead of guessing.</p>



<p class="wp-block-paragraph">Full disclosure: This Uncommon Life runs its own in-person gatherings under <a href="https://thisuncommonlife.com/events/" target="_blank" rel="noopener"><strong>Uncommon Events</strong></a>. None of them is on sale yet.</p>



<figure class="wp-block-table"><table><thead><tr>
<th>Event</th>
<th>2027 dates</th>
<th>City</th>
<th>Length</th>
</tr></thead><tbody>
<tr><td><a href="https://www.nomadsummit.com/chiang-mai-2027" target="_blank" rel="noopener"><strong>Nomad Summit</strong></a></td><td>January 15 to 24</td><td>Chiang Mai, Thailand</td><td>10 days</td></tr>
<tr><td><a href="https://nomadweek.co/" target="_blank" rel="noopener"><strong>Nomad Week Cape Town</strong></a></td><td>February 17 to 26</td><td>Cape Town, South Africa</td><td>10 days</td></tr>
<tr><td><a href="https://italianomadfest.com" target="_blank" rel="noopener"><strong>Italia Nomad Fest</strong></a></td><td>March 6 to 14</td><td>Palermo, Italy</td><td>9 days</td></tr>
<tr><td><a href="https://www.danangnomadfest.com/" target="_blank" rel="noopener"><strong>Da Nang Nomad Fest</strong></a></td><td>March 19 to 28</td><td>Da Nang, Vietnam</td><td>10 days</td></tr>
<tr><td><a href="https://alicantenomadsummit.com/" target="_blank" rel="noopener"><strong>Alicante Nomad Summit</strong></a></td><td>April 19 to 25</td><td>Alicante, Spain</td><td>7 days</td></tr>
<tr><td><a href="https://nomadbase.com/tarifa" target="_blank" rel="noopener"><strong>Nomadbase Live Tarifa</strong></a></td><td>May 17 to 23</td><td>Tarifa, Spain</td><td>7 days</td></tr>
<tr><td><a href="https://banskonomadfest.com/" target="_blank" rel="noopener"><strong>Bansko Nomad Fest</strong></a></td><td>June 20 to 27</td><td>Bansko, Bulgaria</td><td>8 days</td></tr>
</tbody></table><figcaption class="wp-element-caption">Dates published by each event on its own site, checked in October 2026.</figcaption></figure>



<h3 class="wp-block-heading">1. Nomad Summit pairs 2 days of talks with a 48-hour build</h3>



<figure class="wp-block-image size-full"><img fetchpriority="high" decoding="async" width="1920" height="1280" src="https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-summit-chiang-mai-wat-phra-sing.jpg" alt="Wat Phra Sing temple in Chiang Mai, the host city of Nomad Summit" class="wp-image-4134" style="aspect-ratio:16/9;object-fit:cover" srcset="https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-summit-chiang-mai-wat-phra-sing.jpg 1920w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-summit-chiang-mai-wat-phra-sing-300x200.jpg 300w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-summit-chiang-mai-wat-phra-sing-1024x683.jpg 1024w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-summit-chiang-mai-wat-phra-sing-150x100.jpg 150w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-summit-chiang-mai-wat-phra-sing-768x512.jpg 768w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-summit-chiang-mai-wat-phra-sing-1536x1024.jpg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" /><figcaption class="wp-element-caption">Wat Phra Sing, Chiang Mai. Photo: Supanut Arunoprayote, CC BY 4.0, via Wikimedia Commons</figcaption></figure>



<p class="wp-block-paragraph"><a href="https://www.nomadsummit.com/chiang-mai-2027" target="_blank" rel="noopener"><strong>Nomad Summit</strong></a> runs January 15 to 17 in Chiang Mai, at the Shangri-La, with side events running on to January 24. Tickets start at &euro;299.</p>



<p class="wp-block-paragraph">The conference core is 2 days of talks across 6 tracks. <strong>The standout for a business owner is the Buildathon.</strong> That is 48 hours in a mixed team of international and Thai builders.</p>



<p class="wp-block-paragraph">A matchmaking lunch and curated introductions sit alongside it.</p>



<p class="wp-block-paragraph">The 2026 edition drew about 250 people, which is small enough that you see the same faces twice.</p>



<p class="wp-block-paragraph">It suits founders who want to come home having built something with people they met on arrival.</p>



<h3 class="wp-block-heading">2. Nomad Week Cape Town runs a hackathon and 4 coworking days</h3>



<figure class="wp-block-image size-full"><img decoding="async" width="1920" height="640" src="https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-week-cape-town-view-from-table-mountain.jpg" alt="Cape Town seen from Table Mountain, the host city of Nomad Week Cape Town" class="wp-image-4135" style="aspect-ratio:16/9;object-fit:cover" srcset="https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-week-cape-town-view-from-table-mountain.jpg 1920w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-week-cape-town-view-from-table-mountain-300x100.jpg 300w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-week-cape-town-view-from-table-mountain-1024x341.jpg 1024w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-week-cape-town-view-from-table-mountain-150x50.jpg 150w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-week-cape-town-view-from-table-mountain-768x256.jpg 768w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomad-week-cape-town-view-from-table-mountain-1536x512.jpg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" /><figcaption class="wp-element-caption">Cape Town from Table Mountain. Photo: Romain Pontida, CC BY-SA 4.0, via Wikimedia Commons</figcaption></figure>



<p class="wp-block-paragraph"><a href="https://nomadweek.co/" target="_blank" rel="noopener"><strong>Nomad Week Cape Town</strong></a> runs February 17 to 26. The organizers have not published a 2027 price, and they list a Standard and a Premium pass.</p>



<p class="wp-block-paragraph"><strong>It has the most hands-on sessions of the seven.</strong> The standard pass covers a full conference day, an AI hackathon and a pitch competition. It also covers 5 days of attendee-led unconference sessions and 4 coworking days, where you sit and work beside the same people.</p>



<p class="wp-block-paragraph">The organizers put past attendance above 200.</p>



<p class="wp-block-paragraph">South African and African nationals can apply for close to 90% off the standard pass.</p>



<p class="wp-block-paragraph">It suits founders who want to spend the week working next to other founders.</p>



<h3 class="wp-block-heading">3. Italia Nomad Fest is 9 days of talks and shared desks</h3>



<figure class="wp-block-image size-full"><img decoding="async" width="1920" height="1440" src="https://thisuncommonlife.com/wp-content/uploads/2026/10/italia-nomad-fest-palermo.jpg" alt="Palermo, Sicily, the host city of Italia Nomad Fest" class="wp-image-4136" style="aspect-ratio:16/9;object-fit:cover" srcset="https://thisuncommonlife.com/wp-content/uploads/2026/10/italia-nomad-fest-palermo.jpg 1920w, https://thisuncommonlife.com/wp-content/uploads/2026/10/italia-nomad-fest-palermo-300x225.jpg 300w, https://thisuncommonlife.com/wp-content/uploads/2026/10/italia-nomad-fest-palermo-1024x768.jpg 1024w, https://thisuncommonlife.com/wp-content/uploads/2026/10/italia-nomad-fest-palermo-150x113.jpg 150w, https://thisuncommonlife.com/wp-content/uploads/2026/10/italia-nomad-fest-palermo-768x576.jpg 768w, https://thisuncommonlife.com/wp-content/uploads/2026/10/italia-nomad-fest-palermo-1536x1152.jpg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" /><figcaption class="wp-element-caption">Palermo, Sicily. Photo: Castielli, CC0, via Wikimedia Commons</figcaption></figure>



<p class="wp-block-paragraph"><a href="https://italianomadfest.com" target="_blank" rel="noopener"><strong>Italia Nomad Fest</strong></a> runs March 6 to 14 in Palermo, at Villa Niscemi. The standard ticket is &euro;350, or &euro;175 on the current early bird. The full ticket is &euro;495, or &euro;248 early, and it adds a gala dinner and the premium activities.</p>



<p class="wp-block-paragraph"><strong>This has the clearest pricing of the seven.</strong> What the organizers publish is talks, coworking and daily local activities, with no hackathon and no attendee-led sessions.</p>



<p class="wp-block-paragraph">It suits founders who want a long stay in Sicily and are happy to make their own introductions.</p>



<p class="wp-block-paragraph">Here is where the published prices stand. Three of the 7 organizers have posted a 2027 figure.</p>



<figure class="wp-block-table"><table><thead><tr>
<th>Event</th>
<th>2027 ticket as published</th>
<th>Status</th>
</tr></thead><tbody>
<tr><td><a href="https://www.nomadsummit.com/chiang-mai-2027" target="_blank" rel="noopener"><strong>Nomad Summit</strong></a></td><td>From &euro;299</td><td>Published</td></tr>
<tr><td><a href="https://nomadweek.co/" target="_blank" rel="noopener"><strong>Nomad Week Cape Town</strong></a></td><td>Not published yet</td><td>Standard and Premium tiers only</td></tr>
<tr><td><a href="https://italianomadfest.com" target="_blank" rel="noopener"><strong>Italia Nomad Fest</strong></a></td><td>&euro;350 standard, &euro;495 full</td><td>Published</td></tr>
<tr><td><a href="https://www.danangnomadfest.com/" target="_blank" rel="noopener"><strong>Da Nang Nomad Fest</strong></a></td><td>$197 early, $297 regular</td><td>Published</td></tr>
<tr><td><a href="https://alicantenomadsummit.com/" target="_blank" rel="noopener"><strong>Alicante Nomad Summit</strong></a></td><td>Not published yet</td><td>Full-week pass</td></tr>
<tr><td><a href="https://nomadbase.com/tarifa" target="_blank" rel="noopener"><strong>Nomadbase Live Tarifa</strong></a></td><td>Not published yet</td><td>Program still to come</td></tr>
<tr><td><a href="https://banskonomadfest.com/" target="_blank" rel="noopener"><strong>Bansko Nomad Fest</strong></a></td><td>Not published yet</td><td>Add-ons listed, tiers not priced</td></tr>
</tbody></table><figcaption class="wp-element-caption">Prices as each organizer published them in October 2026. Add-on activities, flights and accommodation are separate.</figcaption></figure>



<h3 class="wp-block-heading">4. Da Nang Nomad Fest splits into business and wellbeing tracks</h3>



<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="1920" height="990" src="https://thisuncommonlife.com/wp-content/uploads/2026/10/da-nang-nomad-fest-han-river-sunrise.jpg" alt="The Han River in Da Nang at sunrise, the host city of Da Nang Nomad Fest" class="wp-image-4137" style="aspect-ratio:16/9;object-fit:cover" srcset="https://thisuncommonlife.com/wp-content/uploads/2026/10/da-nang-nomad-fest-han-river-sunrise.jpg 1920w, https://thisuncommonlife.com/wp-content/uploads/2026/10/da-nang-nomad-fest-han-river-sunrise-300x155.jpg 300w, https://thisuncommonlife.com/wp-content/uploads/2026/10/da-nang-nomad-fest-han-river-sunrise-1024x528.jpg 1024w, https://thisuncommonlife.com/wp-content/uploads/2026/10/da-nang-nomad-fest-han-river-sunrise-150x77.jpg 150w, https://thisuncommonlife.com/wp-content/uploads/2026/10/da-nang-nomad-fest-han-river-sunrise-768x396.jpg 768w, https://thisuncommonlife.com/wp-content/uploads/2026/10/da-nang-nomad-fest-han-river-sunrise-1536x792.jpg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" /><figcaption class="wp-element-caption">The Han River, Da Nang. Photo: Christophe95, CC BY-SA 4.0, via Wikimedia Commons</figcaption></figure>



<p class="wp-block-paragraph"><a href="https://www.danangnomadfest.com/" target="_blank" rel="noopener"><strong>Da Nang Nomad Fest</strong></a> runs March 19 to 28 in Vietnam. The early bird is $197 and the regular ticket is $297. <strong>That is the cheapest on this list by a wide margin.</strong></p>



<p class="wp-block-paragraph">The program runs across 2 cities. Da Nang carries the business growth sessions and Hoi An carries the wellbeing ones. Single-stage passes let you buy one side on its own.</p>



<p class="wp-block-paragraph">The city&#8217;s own <a href="https://danangfantasticity.com/en/news/vietnam-nomad-fest-2025-a-global-gathering-for-digital-nomads-in-da-nang-hoi-an" target="_blank" rel="noopener"><strong>tourism office describes the format</strong></a> as panels, workshops, networking sessions and coworking, including coworking on the beach.</p>



<p class="wp-block-paragraph">No hackathon and no unconference appear in what the organizers publish. The coworking days are the working sessions.</p>



<p class="wp-block-paragraph">It suits founders on a tighter budget who want the business track on its own.</p>



<h3 class="wp-block-heading">5. Alicante Nomad Summit runs 4 tracks over a full week</h3>



<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="1920" height="872" src="https://thisuncommonlife.com/wp-content/uploads/2026/10/alicante-nomad-summit-castillo-santa-barbara.jpg" alt="Castillo de Santa Bárbara above Alicante, the host city of Alicante Nomad Summit" class="wp-image-4138" style="aspect-ratio:16/9;object-fit:cover" srcset="https://thisuncommonlife.com/wp-content/uploads/2026/10/alicante-nomad-summit-castillo-santa-barbara.jpg 1920w, https://thisuncommonlife.com/wp-content/uploads/2026/10/alicante-nomad-summit-castillo-santa-barbara-300x136.jpg 300w, https://thisuncommonlife.com/wp-content/uploads/2026/10/alicante-nomad-summit-castillo-santa-barbara-1024x465.jpg 1024w, https://thisuncommonlife.com/wp-content/uploads/2026/10/alicante-nomad-summit-castillo-santa-barbara-150x68.jpg 150w, https://thisuncommonlife.com/wp-content/uploads/2026/10/alicante-nomad-summit-castillo-santa-barbara-768x349.jpg 768w, https://thisuncommonlife.com/wp-content/uploads/2026/10/alicante-nomad-summit-castillo-santa-barbara-1536x698.jpg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" /><figcaption class="wp-element-caption">Castillo de Santa Bárbara, Alicante. Photo: Diego Delso, CC BY-SA 3.0, via Wikimedia Commons</figcaption></figure>



<p class="wp-block-paragraph"><a href="https://alicantenomadsummit.com/" target="_blank" rel="noopener"><strong>Alicante Nomad Summit</strong></a> runs April 19 to 25 in Alicante, on the southeast coast of Spain, at the city&#8217;s Chamber of Commerce. The organizers had not published a 2027 ticket price when we checked.</p>



<p class="wp-block-paragraph"><strong>The week is split into 4 tracks: Work, Tech, Self and Life.</strong> A welcome day opens it, 5 days of keynotes, panels, workshops, skill-sharing circles and coworking follow, and a closing day ends it. Some trips and smaller sessions have limited places.</p>



<p class="wp-block-paragraph">The organizers list more than 250 attendees and more than 30 speakers, from over 30 countries.</p>



<p class="wp-block-paragraph">It suits remote workers and founders who want a full week of practical sessions on the Mediterranean.</p>



<h3 class="wp-block-heading">6. Nomadbase Live Tarifa keeps your working hours free</h3>



<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="1920" height="1440" src="https://thisuncommonlife.com/wp-content/uploads/2026/10/nomadbase-live-tarifa-kitesurfing-punta-paloma.jpg" alt="Kitesurfers at Punta Paloma beach in Tarifa, the host town of Nomadbase Live Tarifa" class="wp-image-4139" style="aspect-ratio:16/9;object-fit:cover" srcset="https://thisuncommonlife.com/wp-content/uploads/2026/10/nomadbase-live-tarifa-kitesurfing-punta-paloma.jpg 1920w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomadbase-live-tarifa-kitesurfing-punta-paloma-300x225.jpg 300w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomadbase-live-tarifa-kitesurfing-punta-paloma-1024x768.jpg 1024w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomadbase-live-tarifa-kitesurfing-punta-paloma-150x113.jpg 150w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomadbase-live-tarifa-kitesurfing-punta-paloma-768x576.jpg 768w, https://thisuncommonlife.com/wp-content/uploads/2026/10/nomadbase-live-tarifa-kitesurfing-punta-paloma-1536x1152.jpg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" /><figcaption class="wp-element-caption">Kitesurfing at Punta Paloma, Tarifa. Photo: Manuel González Olaechea y Franco, CC BY-SA 3.0, via Wikimedia Commons</figcaption></figure>



<p class="wp-block-paragraph"><a href="https://nomadbase.com/tarifa" target="_blank" rel="noopener"><strong>Nomadbase Live Tarifa</strong></a> runs May 17 to 23 in Tarifa, on the southern coast of Spain. No 2027 price published yet.</p>



<p class="wp-block-paragraph"><strong>This is the only one of the seven that says outright what it does with your day.</strong> Most activities run in the mornings, in the evenings and on the weekend, so the working hours stay yours. That suits anyone still holding a full-time job.</p>



<p class="wp-block-paragraph">It is also the smallest, at around 150 people, with keynotes, expert-led workshops and an unconference.</p>



<p class="wp-block-paragraph">It suits founders who cannot take a week off work and still want to meet people.</p>



<h3 class="wp-block-heading">7. Bansko Nomad Fest hands the program to the attendees</h3>



<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="1024" height="768" src="https://thisuncommonlife.com/wp-content/uploads/2026/10/bansko-nomad-fest-pirin-street.jpg" alt="Pirin Street in Bansko with the Pirin Mountains behind, the host town of Bansko Nomad Fest" class="wp-image-4140" style="aspect-ratio:16/9;object-fit:cover" srcset="https://thisuncommonlife.com/wp-content/uploads/2026/10/bansko-nomad-fest-pirin-street.jpg 1024w, https://thisuncommonlife.com/wp-content/uploads/2026/10/bansko-nomad-fest-pirin-street-300x225.jpg 300w, https://thisuncommonlife.com/wp-content/uploads/2026/10/bansko-nomad-fest-pirin-street-150x113.jpg 150w, https://thisuncommonlife.com/wp-content/uploads/2026/10/bansko-nomad-fest-pirin-street-768x576.jpg 768w" sizes="(max-width: 1024px) 100vw, 1024px" /><figcaption class="wp-element-caption">Pirin Street, Bansko. Photo: David Stanley, CC BY 2.0, via Wikimedia Commons</figcaption></figure>



<p class="wp-block-paragraph"><a href="https://banskonomadfest.com/" target="_blank" rel="noopener"><strong>Bansko Nomad Fest</strong></a> runs June 20 to 27 in Bansko, a ski town in the Bulgarian mountains. No 2027 ticket price published yet. The add-ons are listed: &euro;40 for the pool party, &euro;15 for the bonfire night and &euro;60 for the spa day.</p>



<p class="wp-block-paragraph"><strong>The unconference is the point here.</strong> Attendees run their own talks, workshops and sessions.</p>



<p class="wp-block-paragraph">An Industry Day for the companies that sell into this market runs just before the festival. The organizers do not publish an attendance figure.</p>



<p class="wp-block-paragraph">It suits founders who want to host a session of their own.</p>



<h2 class="wp-block-heading">Running Remote is built for people who manage teams</h2>



<p class="wp-block-paragraph">The one <strong>remote work conference</strong> every roundup recommends is <a href="https://runningremote.com/" target="_blank" rel="noopener"><strong>Running Remote</strong></a>, in Austin. It belongs on a different list.</p>



<p class="wp-block-paragraph">Read who <a href="https://runningremote.com/running-remote-faq/" target="_blank" rel="noopener"><strong>the organizers say it is for</strong></a>: founders, CEOs and COOs, People Ops and HR leaders, and heads of internal communications. The common thread is being responsible for how a team works across time zones.</p>



<p class="wp-block-paragraph"><strong>The program is about managing people, so it suits founders who already have a team or are about to hire.</strong></p>



<h2 class="wp-block-heading">Key Takeaways</h2>



<ol class="wp-block-list">

<li>There are 7 digital nomad conferences with confirmed 2027 dates, running from <strong>Chiang Mai in January to Bansko in June</strong>.</li>


<li><strong>Every one of them runs 7 to 10 days</strong>, so the flights and the nights cost more than the ticket.</li>


<li><strong>Three of the 7 organizers have published a 2027 price</strong>, from $197 in Da Nang to &euro;495 in Palermo.</li>


<li><strong>Nomadbase Live Tarifa keeps the working hours free</strong>. It is the one program here built around people who still have a job.</li>


<li><strong>Running Remote is built for people who manage remote teams</strong>, so it suits founders who already have staff.</li>

</ol>



<h2 class="wp-block-heading">Arrive with a business already running, and we help you build it</h2>



<p class="wp-block-paragraph">These events give the most to founders who arrive with a business already running. You can say in one sentence what you sell, and the people you meet can buy it, refer it or work with you on it. Getting that business built before the trip is the work we do with you.</p>



<h3 class="wp-block-heading">Plan A gets the business chosen, set up and earning in 8 weeks</h3>



<p class="wp-block-paragraph">If you have real expertise and no business running on it yet, <a href="https://thisuncommonlife.com/plan-a/" target="_blank" rel="noopener"><strong>Plan A</strong></a> is our 8-week, application-based program. We work with you one on one for 16 hours, starting with the direction. From there we set the business up, get the offer right and find the first customers.</p>



<p class="wp-block-paragraph">Most founders in it are still in a 9 to 5, and it works the same way if you were laid off or you freelance. It includes all 6 Uncommon Toolkits and the first month of Uncommon Mentorship.</p>



<h3 class="wp-block-heading">The Shortlist is how you work out what you should build</h3>



<p class="wp-block-paragraph">If you are carrying several directions and cannot rank them, <a href="https://thisuncommonlife.com/the-shortlist/" target="_blank" rel="noopener"><strong>The Shortlist</strong></a> is our free live workshop on Zoom. You leave with one direction and the reasons it beat the others. If you have no direction at all, you leave with the method for generating them properly.</p>



<p class="wp-block-paragraph">It is where this starts, and the hands-on work of making the chosen direction earn is Plan A.</p>
<p>The post <a href="https://thisuncommonlife.com/digital-nomad-conferences/">Digital nomad conferences in 2027 (a calendar for business owners)</a> appeared first on <a href="https://thisuncommonlife.com">This Uncommon Life</a>.</p>
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		<title>Leaving a job to start a business (run these 6 numbers first)</title>
		<link>https://thisuncommonlife.com/leaving-a-job-to-start-a-business/</link>
		
		<dc:creator><![CDATA[This Uncommon Life]]></dc:creator>
		<pubDate>Tue, 06 Oct 2026 14:42:17 +0000</pubDate>
				<category><![CDATA[Leave Your Job]]></category>
		<category><![CDATA[Career Transition]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Quitting Your Job]]></category>
		<category><![CDATA[Self-Employment]]></category>
		<guid isPermaLink="false">https://thisuncommonlife.com/leaving-a-job-to-start-a-business/</guid>

					<description><![CDATA[<p>Leaving a job to start a business comes down to 6 numbers you can work out while still employed, from your real spending to what a customer has paid you.</p>
<p>The post <a href="https://thisuncommonlife.com/leaving-a-job-to-start-a-business/">Leaving a job to start a business (run these 6 numbers first)</a> appeared first on <a href="https://thisuncommonlife.com">This Uncommon Life</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph">Leaving a job to start a business comes down to 6 numbers. You can work out every one of them while your salary is still being paid.</p>



<p class="wp-block-paragraph">Hating your job counts for something. It tells you the job is over. It can&#8217;t tell you whether a customer will pay you once you leave.</p>



<p class="wp-block-paragraph">Timing matters more than courage. In a <a href="https://doi.org/10.5465/amj.2012.0522"><strong>study in the Academy of Management Journal</strong></a>, founders who started on the side before going full time had a <strong>33 percent lower risk of leaving self-employment</strong>. The comparison group went straight from a paycheck into working for themselves.</p>



<div class="wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow" style="border-left-color:#0038FF;border-left-width:6px;background-color:#F6F4EF;padding-top:20px;padding-right:24px;padding-bottom:20px;padding-left:24px">
<p class="wp-block-paragraph"><strong>Short answer:</strong> leave once a customer outside your job has paid you and your savings can cover your real monthly costs while you find more. You can do both while you are still employed. You do not need a sabbatical, a career break or a gap in your income to start.</p>
</div>



<h2 class="wp-block-heading">Run 6 numbers before you quit your job to start a business</h2>



<p class="wp-block-paragraph">Work them out in order, because each one feeds the next.</p>



<h3 class="wp-block-heading">1. Work out what you actually spend each month</h3>



<p class="wp-block-paragraph">You have a number in your head for this, and it is usually too low. The problem is, spending rises with income without you ever deciding it should.</p>



<p class="wp-block-paragraph">Here is the United States version. The average US household spent <strong>$78,535 in 2024</strong>, about $6,500 a month, per the <a href="https://www.bls.gov/news.release/cesan.nr0.htm"><strong>Bureau of Labor Statistics Consumer Expenditure Survey</strong></a>.</p>



<p class="wp-block-paragraph"><strong>Your test:</strong> add up 3 months of bank and card statements, including annual charges divided by 12. <strong>Every other number on this page is built on this one.</strong></p>



<h3 class="wp-block-heading">2. Add up what your employer pays for you every month</h3>



<p class="wp-block-paragraph">Your paycheck shows what your employer pays you. It leaves out what your employer pays <em>for</em> you &#45; and that figure is bigger than you think.</p>



<p class="wp-block-paragraph">In the United States, employers spent <strong>$49.46 an hour</strong> per worker in June 2026, and <strong>$15.61 of it went to benefits</strong>, per the <a href="https://www.bls.gov/news.release/ecec.nr0.htm"><strong>BLS employer costs release</strong></a>. The biggest piece is health insurance. A single employer plan averaged $9,325 a year in 2025, and the worker paid $1,440 of it, per the <a href="https://files.kff.org/attachment/Employer-Health-Benefits-Survey-2025-Annual-Survey-Summary-of-Findings.pdf"><strong>KFF Employer Health Benefits Survey</strong></a>.</p>



<p class="wp-block-paragraph">So your employer&#8217;s share, about $650 a month, stops on your last day. Keep the same plan through COBRA and you can pay up to <strong>102 percent of its cost</strong>, per the <a href="https://www.dol.gov/general/topic/health-plans/cobra"><strong>US Department of Labor</strong></a>.</p>



<p class="wp-block-paragraph">Stella Guan, the founder of This Uncommon Life, worried about health insurance more than anything when she prepared to quit her full-time job.</p>



<p class="wp-block-paragraph">Outside the United States, find what your employer pays on your behalf (usually health insurance, a pension and social contributions). Price each one as a self-employed person where you live and add it to your monthly number.</p>



<h3 class="wp-block-heading">3. Check how long your savings can last you</h3>



<p class="wp-block-paragraph">The usual advice is to save 6 months of living expenses. The only thing is, what your employer used to pay and the business&#8217;s bills come out of the same savings. So 6 months of expenses buys you fewer than 6 months.</p>



<p class="wp-block-paragraph">Most of your peers do not have 6 months saved anyway. Fewer than half of US adults aged 30 to 44 have even 3 months set aside, according to the Federal Reserve.</p>



<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="1600" height="900" src="https://thisuncommonlife.com/wp-content/uploads/2026/10/leaving-a-job-emergency-savings-by-age.png" alt="Bar chart: 49 percent of US adults aged 30 to 44 have savings that would cover 3 months of expenses, against 37 percent at 18 to 29, 55 percent at 45 to 59 and 71 percent at 60 and older" class="wp-image-4063" srcset="https://thisuncommonlife.com/wp-content/uploads/2026/10/leaving-a-job-emergency-savings-by-age.png 1600w, https://thisuncommonlife.com/wp-content/uploads/2026/10/leaving-a-job-emergency-savings-by-age-300x169.png 300w, https://thisuncommonlife.com/wp-content/uploads/2026/10/leaving-a-job-emergency-savings-by-age-1024x576.png 1024w, https://thisuncommonlife.com/wp-content/uploads/2026/10/leaving-a-job-emergency-savings-by-age-150x84.png 150w, https://thisuncommonlife.com/wp-content/uploads/2026/10/leaving-a-job-emergency-savings-by-age-768x432.png 768w, https://thisuncommonlife.com/wp-content/uploads/2026/10/leaving-a-job-emergency-savings-by-age-1536x864.png 1536w" sizes="(max-width: 1600px) 100vw, 1600px" /><figcaption class="wp-element-caption">Source: <a href="https://www.federalreserve.gov/publications/2026-economic-well-being-of-us-households-in-2025-savings-investments.htm"><strong>Federal Reserve, Economic Well-Being of U.S. Households in 2025</strong></a>, Table 27.</figcaption></figure>



<p class="wp-block-paragraph"><strong>What your savings buy is time to find out whether customers will pay you.</strong> About half of new US business establishments are still open after 5 years, per <a href="https://www.bls.gov/bdm/entrepreneurship/bdm_chart3.htm"><strong>BLS Business Employment Dynamics data</strong></a>.</p>



<p class="wp-block-paragraph"><strong>Your test:</strong> divide your savings by your monthly spending plus what your employer covers plus the business&#8217;s monthly running costs. Take 3 months off, because your first invoices get paid later than you expect.</p>



<h3 class="wp-block-heading">4. Work out what the business has to get paid each month</h3>



<p class="wp-block-paragraph"><strong>The business has to bring in more than your salary did.</strong> The reason is a tax line you have never had to look at.</p>



<p class="wp-block-paragraph">As an employee, you pay half of your Social Security and Medicare tax and your employer pays the other half. Working for yourself, you pay both halves.</p>



<figure class="wp-block-table"><table class="has-fixed-layout"><thead><tr><th>US payroll tax</th><th>You pay as an employee</th><th>You pay when self-employed</th></tr></thead><tbody><tr><td>Social Security</td><td>6.2%</td><td>12.4%</td></tr><tr><td>Medicare</td><td>1.45%</td><td>2.9%</td></tr><tr><td>Total</td><td>7.65%</td><td>15.3%</td></tr></tbody></table><figcaption class="wp-element-caption">Sources: <a href="https://www.irs.gov/taxtopics/tc751"><strong>IRS Topic 751</strong></a> for employees and <a href="https://www.irs.gov/taxtopics/tc554"><strong>IRS Topic 554</strong></a> for the self-employed.</figcaption></figure>



<p class="wp-block-paragraph">Self-employment tax applies to 92.35 percent of your net earnings once they reach $400, and income tax sits on top. Elsewhere, look up the self-employed social contribution rate in your own country. The half your employer used to pay becomes yours there too.</p>



<p class="wp-block-paragraph"><strong>Your test:</strong> <strong>(your monthly take-home pay + what your employer covers each month) divided by 0.75 = what the business has to get paid each month before tax.</strong> The 0.75 is a rough stand-in, because your real tax rate depends on where you live.</p>



<h3 class="wp-block-heading">5. Check the highest price a customer ever paid you</h3>



<p class="wp-block-paragraph">Write down the largest amount a client outside your job has ever paid you. For most readers that line is empty, and that is useful to know.</p>



<p class="wp-block-paragraph"><strong>A paycheck every month tells you nothing about whether a customer will pay.</strong> Plans made before leaving often turn a salary into a day rate that no client has ever paid.</p>



<p class="wp-block-paragraph">If the line is empty, look for 2 early signs. People outside your company keep asking you for help without you pitching them, and you can describe exactly who would pay.</p>



<p class="wp-block-paragraph"><strong>Your test:</strong> multiply the figure on your line by the days you could sell in a month. Compare it with your monthly target. If the line is empty, filling it is your first job.</p>



<h3 class="wp-block-heading">6. Price what the business costs to run for a year</h3>



<p class="wp-block-paragraph">The business spends money before a customer pays you: registration, an accountant and liability insurance if your work needs it. <strong>The software is the line that catches you out</strong>, because every tool your employer pays for has a single-user price you have never seen.</p>



<p class="wp-block-paragraph">Our toolkit <a href="https://thisuncommonlife.com/uncommon-toolkits/maximize-your-runway/"><strong>How to Maximize Your Runway as a First-Time Solo Founder</strong></a> shows you how to keep a solo business lean while it grows.</p>



<p class="wp-block-paragraph"><strong>Your test:</strong> price every tool you opened for work this week and add the yearly total to your savings math.</p>



<h2 class="wp-block-heading">Get your first sales while your salary is still coming in</h2>



<p class="wp-block-paragraph">What the business needs each month and what a customer has paid you so far rarely match. Here is what a first year on your own can look like.</p>



<div class="wp-block-group has-border-color is-layout-flow wp-block-group-is-layout-flow" style="border-color:#0B0B0C;border-width:2px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px">
<p class="wp-block-paragraph"><strong>Case study: Alex Styl, a software engineer who went out on his own</strong></p>



<p class="wp-block-paragraph">Alex Styl wrote up his <a href="https://alexstyl.substack.com/p/first-year-of-self-employment-a-retrospective"><strong>first year of self-employment</strong></a> line by line. His first software product made about $7 a month until its only customer canceled. An app template sold 41 copies for $680.32, and his book brought in $3,342.74 over 3 months.</p>



<p class="wp-block-paragraph"><strong>He had skills people wanted, and his first year still looked like that.</strong></p>
</div>



<p class="wp-block-paragraph"><strong>You can close that gap before you hand in your notice.</strong> Give it 2 hours before work, 4 mornings a week, and you put in roughly 400 hours a year.</p>



<p class="wp-block-paragraph">Spend 2 weeks having 4 real conversations with potential customers. Ask each one what they pay to get this problem solved today. That answer is the rate your spreadsheet has been missing.</p>



<p class="wp-block-paragraph">There is a longer version of this in <a href="https://thisuncommonlife.com/start-a-business-while-working-full-time/"><strong>how to start a business while working full time</strong></a>.</p>



<p class="wp-block-paragraph"><a href="https://thisuncommonlife.com/plan-a/"><strong>Plan A</strong></a> is our 8-week program for professionals with years of experience and no business built from it yet. We help you choose the direction and plan how to reach the first customers who might pay for it, alongside your job.</p>



<h2 class="wp-block-heading">Wait if your stock vests or your bonus pays within the year</h2>



<p class="wp-block-paragraph">The 6 numbers can all come out right &#45; and the timing can still be wrong.</p>



<p class="wp-block-paragraph">Say stock options vest in 8 months or an annual bonus pays in 4. <strong>Leaving before then hands your employer money you already earned.</strong> That money usually buys you more months than extra saving would.</p>



<div class="wp-block-group tul-takeaways is-layout-flow wp-block-group-is-layout-flow">
<p class="tul-tk-h wp-block-paragraph">Key takeaways</p>



<ol class="wp-block-list">
<li>Leaving a job to start a business comes down to 6 numbers, and <strong>you can work them all out while you are still paid</strong>.</li>



<li>Take your spending from 3 months of statements, because <strong>the figure you guess is almost always too low</strong>.</li>



<li>Your employer pays for things your paycheck never shows, and <strong>health insurance is usually the biggest one</strong>.</li>



<li><strong>Your savings buy you a number of months</strong>, and the business&#8217;s costs come out of them too.</li>



<li>The business has to earn more than your salary, because <strong>you pay both halves of the payroll tax</strong>.</li>



<li>If no customer outside your job has paid you yet, <strong>getting that first payment is your next step</strong>.</li>
</ol>
</div>



<h2 class="wp-block-heading">Choose the business that makes these numbers work</h2>



<p class="wp-block-paragraph">The numbers tell you what has to be true. Choosing the business that makes them true is the step most founders get wrong on their own. Getting it wrong is how a year or two goes by.</p>



<h3 class="wp-block-heading">Plan A builds your business alongside your job in 8 weeks</h3>



<p class="wp-block-paragraph"><a href="https://thisuncommonlife.com/plan-a/"><strong>Plan A</strong></a> is our 8-week, application-based launch program for professionals with real expertise and no business built on it yet. Most founders in it are still in a 9 to 5, and it works the same way if you were laid off or you freelance. Over 16 hours of live 1:1 coaching, we work with you to choose the direction, set the business up correctly, get the offer right and plan how you reach your first customers.</p>



<h3 class="wp-block-heading">The Shortlist is how you work out what you should build</h3>



<p class="wp-block-paragraph"><a href="https://thisuncommonlife.com/the-shortlist/"><strong>The Shortlist</strong></a> is our free 60-minute live workshop for professionals who have several business directions they can&#8217;t rank, or no clear direction yet. You leave with one direction and a list of what has to prove true before you quit. Plan A is where we build that direction with you.</p>

<p>The post <a href="https://thisuncommonlife.com/leaving-a-job-to-start-a-business/">Leaving a job to start a business (run these 6 numbers first)</a> appeared first on <a href="https://thisuncommonlife.com">This Uncommon Life</a>.</p>
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		<item>
		<title>Best age to start a business (what your 30s, 40s and 50s give you)</title>
		<link>https://thisuncommonlife.com/starting-a-business-at-40/</link>
		
		<dc:creator><![CDATA[This Uncommon Life]]></dc:creator>
		<pubDate>Fri, 25 Sep 2026 14:32:28 +0000</pubDate>
				<category><![CDATA[Leave Your Job]]></category>
		<category><![CDATA[Career Transition]]></category>
		<category><![CDATA[Self-Employment]]></category>
		<category><![CDATA[Side Business]]></category>
		<guid isPermaLink="false">https://thisuncommonlife.com/starting-a-business-at-40/</guid>

					<description><![CDATA[<p>The best age to start a business is when you have expertise a client will pay for. See what founder data says your 30s, 40s and 50s each give you.</p>
<p>The post <a href="https://thisuncommonlife.com/starting-a-business-at-40/">Best age to start a business (what your 30s, 40s and 50s give you)</a> appeared first on <a href="https://thisuncommonlife.com">This Uncommon Life</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p class="wp-block-paragraph">If you keep looking up the best age to start a business, you have probably carried the idea for years. The worry sounds the same at 32, 44 and 51: you are either too early or too late.</p>



<p class="wp-block-paragraph">The data says otherwise. Across 2.7 million US founders, the average age at founding was 41.9. For the fastest-growing 1 in 1,000 companies, it was 45.0.</p>



<p class="wp-block-paragraph">So there is no single best age. Each decade gives you a different advantage and makes a different thing harder.</p>



<div class="wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow" style="border-left-color:#0038FF;border-left-width:6px;background-color:#F6F4EF;padding-top:20px;padding-right:24px;padding-bottom:20px;padding-left:24px">
<p class="wp-block-paragraph"><strong>Short answer:</strong> The best age to start a business is the age when you have expertise a client will pay for. By your mid-30s you usually have it. Your 30s give you experience and lower spending, your 40s give you buyers and contacts, and your 50s give you depth.</p>
</div>



<div class="wp-block-group tul-takeaways is-layout-flow wp-block-group-is-layout-flow">
<p class="tul-tk-h wp-block-paragraph">Key takeaways</p>



<ol class="wp-block-list">

<li>The average US founder was 41.9, so <strong>your 30s are early and your 40s and 50s sit right around the average</strong>.</li>


<li>Founders with 3 or more years in their industry reached top growth twice as often, and <strong>you clear that mark by your mid-30s</strong>.</li>


<li>In your 30s, <strong>your spending has not yet grown through another decade of raises</strong>, so a slow first year is easier to cover.</li>


<li>In your 40s, <strong>you have sat on the buying side of the deals you want to win</strong>.</li>


<li>If you are in your 50s, <strong>staying put carries a risk too</strong>, since 56% of US workers tracked from 50 lost a longtime job at least once.</li>


<li>At any age, <strong>you can start in the hours before work, with no sabbatical</strong>.</li>

</ol>
</div>



<h2 class="wp-block-heading">Check the founder data on the best age to start a business</h2>



<p class="wp-block-paragraph">Pierre Azoulay, Benjamin Jones, J. Daniel Kim and Javier Miranda matched US Census records for 2.7 million founders of companies that hired staff.</p>



<p class="wp-block-paragraph">Their <a href="https://www.aeaweb.org/articles?id=10.1257/aeri.20180582" target="_blank" rel="noopener"><strong>study in American Economic Review: Insights</strong></a> found an average founding age of 41.9. <strong>A 50-year-old founder was 1.8 times more likely to reach top-tier growth than a 30-year-old founder.</strong></p>



<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="1600" height="900" src="https://thisuncommonlife.com/wp-content/uploads/2026/10/founder-age-by-success-chart.png" alt="Bar chart showing that the more successful the company, the older its founder: average founding age is 41.9 for all new US companies, 45.0 for the top 0.1% by growth and 46.7 for companies that sold or went public" class="wp-image-4120" srcset="https://thisuncommonlife.com/wp-content/uploads/2026/10/founder-age-by-success-chart.png 1600w, https://thisuncommonlife.com/wp-content/uploads/2026/10/founder-age-by-success-chart-300x169.png 300w, https://thisuncommonlife.com/wp-content/uploads/2026/10/founder-age-by-success-chart-1024x576.png 1024w, https://thisuncommonlife.com/wp-content/uploads/2026/10/founder-age-by-success-chart-150x84.png 150w, https://thisuncommonlife.com/wp-content/uploads/2026/10/founder-age-by-success-chart-768x432.png 768w, https://thisuncommonlife.com/wp-content/uploads/2026/10/founder-age-by-success-chart-1536x864.png 1536w" sizes="(max-width: 1600px) 100vw, 1600px" /><figcaption class="wp-element-caption">Source: <a href="https://www.nber.org/system/files/working_papers/w24489/w24489.pdf" target="_blank" rel="noopener"><strong>Azoulay, Jones, Kim and Miranda, Age and High-Growth Entrepreneurship (NBER Working Paper 24489)</strong></a>, published in American Economic Review: Insights.</figcaption></figure>



<p class="wp-block-paragraph">One thing to note is that the study only counts companies with staff. Most expertise businesses (consulting, coaching, specialist freelance work) have none, so read the ages as a guide.</p>



<p class="wp-block-paragraph">The finding that carries over best is about experience. Founders with 3 or more years in their company&#8217;s industry reached the top 1 in 1,000 at a rate of 0.22%. Founders with none reached it at 0.11%, according to the <a href="https://www.nber.org/system/files/working_papers/w24489/w24489.pdf" target="_blank" rel="noopener"><strong>NBER working paper</strong></a>.</p>



<p class="wp-block-paragraph">You clear that mark long before 40.</p>



<h2 class="wp-block-heading">Compare what each decade gives you and what it makes harder</h2>



<figure class="wp-block-table"><table class="has-fixed-layout"><thead><tr><th>Your decade</th><th>What do you already have?</th><th>What gets harder?</th><th>What should you do first?</th></tr></thead><tbody><tr><td>Your 30s</td><td>You have 8 to 15 years in your field, and spending you can still cover.</td><td>Your first year will likely pay much less than your salary.</td><td>Write down the problem colleagues keep bringing you.</td></tr><tr><td>Your 40s</td><td>You have been the buyer, and your contacts now hold budgets.</td><td>Your spending grew with every raise you took.</td><td>Price your real monthly spending and your benefits.</td></tr><tr><td>Your 50s</td><td>You have 25 years of the same problems coming back to you.</td><td>Your savings sit in retirement accounts with early-withdrawal rules.</td><td>List the 5 problems you are always pulled into.</td></tr></tbody></table><figcaption class="wp-element-caption">Source: <a href="https://www.aeaweb.org/articles?id=10.1257/aeri.20180582" target="_blank" rel="noopener"><strong>Azoulay, Jones, Kim and Miranda</strong></a>, plus the sources linked in each section below.</figcaption></figure>



<h2 class="wp-block-heading">Start in your 30s while your spending is still easy to cover</h2>



<p class="wp-block-paragraph">By your 30s you have 8 to 15 years of work behind you, and you know which parts of it you are good at.</p>



<p class="wp-block-paragraph">The only thing is, the founder stories you grew up on star 22-year-olds &#45; so at 34 you feel late. Next to a 45-year-old, you feel green.</p>



<p class="wp-block-paragraph">Neither feeling matches the data. In the same Census study, the founding rate per worker peaked at age 38. A bigger share of 38-year-olds started companies than workers of any other age.</p>



<p class="wp-block-paragraph">This decade also gives you 2 practical advantages. Former colleagues are moving into their first management jobs, which is where budgets for outside help sit.</p>



<p class="wp-block-paragraph">And your spending has not yet climbed through another decade of raises. The number the business has to replace is as small as it will get.</p>



<p class="wp-block-paragraph">The harder part is first-year pay. Gusto tracked nearly 24,000 solopreneurs and found that <a href="https://gusto.com/resources/gusto-insights/solopreneurship-viability" target="_blank" rel="noopener"><strong>Millennial solopreneurs earn about 60% less than their employee peers</strong></a> in year 1. Millennials are now in their 30s and early 40s.</p>



<p class="wp-block-paragraph"><strong>So work out the smallest monthly figure that covers your life, and build the business toward that number first.</strong></p>



<h2 class="wp-block-heading">Start in your 40s by selling to buyers you used to sit beside</h2>



<p class="wp-block-paragraph">By 40 you have almost certainly been the customer. You hired the agency, approved the contractor or signed off the invoice (possibly all 3).</p>



<p class="wp-block-paragraph">So you know who signs, what made your own boss say no, and what your employer pays an outside specialist for work close to yours. That day rate is your best reference point for pricing.</p>



<p class="wp-block-paragraph">Your contacts have grown up too. Former colleagues run teams and hold budgets now, and they already know your work.</p>



<p class="wp-block-paragraph">The harder part is that your spending grew with every raise. <strong>The number you have to replace is your real monthly spending, which is usually well below your salary once you work it out.</strong></p>



<p class="wp-block-paragraph">Your employer also pays for things that never show up on your payslip. Stella Guan, the founder of This Uncommon Life, quit her job and found that health insurance was the expense she had not planned for.</p>



<p class="wp-block-paragraph">In the United States, the big items are health insurance, the retirement match and the employer&#8217;s share of payroll taxes. Wherever you live, list the 2 or 3 things your employer pays for you. Price each one for a self-employed person in your country, and add the total to your monthly number.</p>



<div class="wp-block-group has-border-color is-layout-flow wp-block-group-is-layout-flow" style="border-color:#0B0B0C;border-width:2px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px">
<p class="wp-block-paragraph"><strong>Burkhard Stubert went solo 19 days before his 45th birthday</strong></p>



<p class="wp-block-paragraph">He had spent 14 years building software with Qt, and he sells one narrow specialty: the screens operators use to run industrial machines. In 2016 he went 6 months without a project, interviewed for permanent jobs and turned them all down. Then 3 freelance projects came up within a week.</p>



<p class="wp-block-paragraph">His <a href="https://burkhardstubert.substack.com/p/10-years-of-solo-consulting" target="_blank" rel="noopener"><strong>write-up of 10 years of solo consulting</strong></a> shows what a narrow specialty does for you. <strong>Dry spells still happen, and the specialty is what brings the work back.</strong></p>
</div>



<h2 class="wp-block-heading">Start in your 50s with the problems you always get pulled into</h2>



<p class="wp-block-paragraph">By 50 you have about 25 years of the same few problems coming back to you &#45; that is your raw material.</p>



<p class="wp-block-paragraph">Curt Roese is a CPA and former CFO who writes for professionals going solo after 50. He tells readers to <a href="https://www.retirepreneur.com/p/consulting-niche-professionals-over-50" target="_blank" rel="noopener"><strong>write down the 5 problems they were the go-to person for</strong></a>.</p>



<p class="wp-block-paragraph">Staying put carries its own risk.</p>



<p class="wp-block-paragraph">ProPublica and the Urban Institute followed US workers from age 50. They found that <a href="https://www.propublica.org/article/older-workers-united-states-pushed-out-of-work-forced-retirement" target="_blank" rel="noopener"><strong>56% were laid off or pushed out of a longtime job at least once</strong></a>. Only 1 in 10 of them ever earned as much again.</p>



<p class="wp-block-paragraph">The harder part is money set aside for later. In the United States, taking money out of an IRA before age 59½ generally adds a <a href="https://www.irs.gov/taxtopics/tc557" target="_blank" rel="noopener"><strong>10% additional tax</strong></a> on top of income tax. Elsewhere, look up the early-access rules for your own retirement savings.</p>



<p class="wp-block-paragraph"><strong>If your plan needs a withdrawal from retirement savings, the business is too big for a first version.</strong> Start with the smallest piece of your expertise a client could buy.</p>



<h2 class="wp-block-heading">Wait if your stock options or bonus pay out within 12 months</h2>



<p class="wp-block-paragraph">Stock options, a retirement match or an annual bonus might pay out within the next 12 months. If so, that date has a dollar figure on it. Wait for it, and build in the meantime, the way <a href="https://thisuncommonlife.com/start-a-business-while-working-full-time/"><strong>starting a business while working full time</strong></a> lays out.</p>



<h2 class="wp-block-heading">Run these 4 checks while you still have your salary</h2>



<p class="wp-block-paragraph">You do not need a sabbatical, a career break or a gap in your income to start. Spend 2 hours on it before work, 4 mornings a week, and that adds up to about 400 hours a year.</p>



<h3 class="wp-block-heading">Write down the problem colleagues keep bringing you</h3>



<p class="wp-block-paragraph">Use one sentence, in the words the colleague asking uses. That sentence is where your offer starts.</p>



<h3 class="wp-block-heading">Check how long your savings would last you</h3>



<p class="wp-block-paragraph">Divide the savings you can reach without a penalty by your real monthly spending. Our free <a href="https://thisuncommonlife.com/free-tools/solo-founder-roadmap/"><strong>Solo Founder Roadmap</strong></a> works this out from 6 answers, and shows what the business has to earn each month.</p>



<h3 class="wp-block-heading">Price what your employer pays on your behalf</h3>



<p class="wp-block-paragraph">Start with health cover, retirement contributions and payroll taxes, priced for a self-employed person where you live.</p>



<h3 class="wp-block-heading">Talk to 4 potential clients who live with that problem</h3>



<p class="wp-block-paragraph">Skip the pitch. Ask how they handle it today, what they have tried and what they paid for it.</p>



<p class="wp-block-paragraph">You can run all 4 checks on your own. The step that decides whether any of it pays off is choosing which direction to commit to.</p>



<p class="wp-block-paragraph"><a href="https://thisuncommonlife.com/plan-a/"><strong>Plan A</strong></a> is our 8-week program for professionals with years of expertise and no business built on it yet. Most founders in it are still in a 9 to 5.</p>



<p class="wp-block-paragraph">It works the same way if you were laid off or you freelance, and we settle the direction in the first weeks.</p>



<h2 class="wp-block-heading">Get help with the choice that decides whether the rest works</h2>



<p class="wp-block-paragraph">Whatever your age, you have the experience and nothing earning from it yet. The step this article keeps coming back to is the choosing. It is also the step founders most often get wrong on their own.</p>



<h3 class="wp-block-heading">Plan A gets your business chosen and set up in 8 weeks</h3>



<p class="wp-block-paragraph"><a href="https://thisuncommonlife.com/plan-a/"><strong>Plan A</strong></a> is our 8-week, application-based program for professionals with real expertise and no business running on it yet. It runs alongside a full-time job, with 16 hours of live 1:1 coaching.</p>



<p class="wp-block-paragraph">We work in the order that decides the outcome: the direction first, then the business set up correctly underneath it. After that come the positioning and the offer, and a plan for reaching your first customers that you can run yourself.</p>



<p class="wp-block-paragraph"><strong>Working this out alone is possible, and it is also how founders spend 2 years and a lot of money reaching an answer 8 weeks would have given them.</strong></p>



<h3 class="wp-block-heading">The Shortlist is how you work out what you should build</h3>



<p class="wp-block-paragraph"><a href="https://thisuncommonlife.com/the-shortlist/"><strong>The Shortlist</strong></a> is our free 60-minute live training for the choosing step on its own. Come with too many ideas and you leave with one, plus the reasons it beat the others. Come with none and you leave with a method for finding them.</p>



<p class="wp-block-paragraph">It is the first step into Plan A, where we build the business with you.</p>
<p>The post <a href="https://thisuncommonlife.com/starting-a-business-at-40/">Best age to start a business (what your 30s, 40s and 50s give you)</a> appeared first on <a href="https://thisuncommonlife.com">This Uncommon Life</a>.</p>
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		<title>How to start a business while working full time (if you feel trapped)</title>
		<link>https://thisuncommonlife.com/start-a-business-while-working-full-time/</link>
		
		<dc:creator><![CDATA[This Uncommon Life]]></dc:creator>
		<pubDate>Tue, 15 Sep 2026 15:41:30 +0000</pubDate>
				<category><![CDATA[Leave Your Job]]></category>
		<category><![CDATA[Career Transition]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Self-Employment]]></category>
		<category><![CDATA[Side Business]]></category>
		<guid isPermaLink="false">https://thisuncommonlife.com/start-a-business-while-working-full-time/</guid>

					<description><![CDATA[<p>Start a business while working full time without quitting first. Read your contract, choose one direction and get paid before you build anything.</p>
<p>The post <a href="https://thisuncommonlife.com/start-a-business-while-working-full-time/">How to start a business while working full time (if you feel trapped)</a> appeared first on <a href="https://thisuncommonlife.com">This Uncommon Life</a>.</p>
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<p class="wp-block-paragraph">If you are looking up how to start a business while working full time, you have probably run the numbers on leaving more than once. The salary pays for the life you built around it &#45; the business you keep thinking about pays for nothing yet.</p>



<p class="wp-block-paragraph">So you stay, and the gap feels a little wider every year.</p>



<p class="wp-block-paragraph">You can close that gap on a normal working week. Build in a set order, and leave when the business reaches a number you chose in advance.</p>



<div class="wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow" style="border-left-color:#0038FF;border-left-width:6px;background-color:#F6F4EF;padding-top:20px;padding-right:24px;padding-bottom:20px;padding-left:24px">
<p class="wp-block-paragraph"><strong>Short answer:</strong> Start while you are still paid. Read your employment contract, choose one direction, write who you help in one sentence and protect about 8 hours a week before work. Then ask a few people to pay you before you build anything, and decide in advance what monthly income means it is time to leave. <strong>You do not need a sabbatical, a career break or a gap in your income to start.</strong></p>
</div>



<h2 class="wp-block-heading">Build while you are still paid, because that route lasts longer</h2>



<p class="wp-block-paragraph">Joseph Raffiee and Jie Feng followed people who started a business while keeping their day job. In their <a href="https://doi.org/10.5465/amj.2012.0522"><strong>Academy of Management Journal study</strong></a>, the ones who later went full time had <strong>much higher survival rates than people who quit first</strong>.</p>



<p class="wp-block-paragraph">That matters, because most new businesses close within a decade. Of the US businesses that opened in March 2013, <a href="https://www.bls.gov/bdm/bdmage.htm"><strong>Bureau of Labor Statistics data</strong></a> shows 79.6% were still open a year later, 50.6% after five years and 34.7% after ten.</p>



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1600" height="900" src="https://thisuncommonlife.com/wp-content/uploads/2026/10/tul-business-survival-rates-bls.png" alt="Bar chart showing about half of new US businesses are still open after 5 years: 79.6% after 1 year, 50.6% after 5 years and 34.7% after 10 years" class="wp-image-4115" srcset="https://thisuncommonlife.com/wp-content/uploads/2026/10/tul-business-survival-rates-bls.png 1600w, https://thisuncommonlife.com/wp-content/uploads/2026/10/tul-business-survival-rates-bls-300x169.png 300w, https://thisuncommonlife.com/wp-content/uploads/2026/10/tul-business-survival-rates-bls-1024x576.png 1024w, https://thisuncommonlife.com/wp-content/uploads/2026/10/tul-business-survival-rates-bls-150x84.png 150w, https://thisuncommonlife.com/wp-content/uploads/2026/10/tul-business-survival-rates-bls-768x432.png 768w, https://thisuncommonlife.com/wp-content/uploads/2026/10/tul-business-survival-rates-bls-1536x864.png 1536w" sizes="(max-width: 1600px) 100vw, 1600px" /><figcaption class="wp-element-caption">Source: <a href="https://www.bls.gov/bdm/bdmage.htm"><strong>U.S. Bureau of Labor Statistics, Business Employment Dynamics</strong></a></figcaption></figure>



<p class="wp-block-paragraph">Test your idea while a salary still covers your rent. If it fails, you keep the lesson and the income.</p>



<h2 class="wp-block-heading">Price what your job pays for that you will cover yourself</h2>



<p class="wp-block-paragraph">Your employer pays for things that never show up on your payslip. The day you leave, they become yours.</p>



<p class="wp-block-paragraph">Stella Guan, the founder of This Uncommon Life, quit her job before the pandemic and found that <strong>health insurance was the cost she had not planned for</strong>.</p>



<p class="wp-block-paragraph">Here is the United States version, because it is the most expensive one and the easiest to underestimate.</p>



<figure class="wp-block-table"><table><thead><tr><th>What your employer pays for</th><th>The average figure</th><th>What happens when you leave</th></tr></thead><tbody><tr><td>Benefits of every kind</td><td>$15.61 an hour on top of $33.85 in wages, close to a third of the total</td><td>You replace each benefit yourself or go without it</td></tr><tr><td>Health insurance, single coverage</td><td>$9,325 a year, of which the worker pays $1,440</td><td>You pay the whole premium or buy your own plan</td></tr><tr><td>Social Security and Medicare</td><td>7.65% from you and 7.65% from your employer</td><td>You pay the full 15.3% as self-employment tax</td></tr></tbody></table><figcaption class="wp-element-caption">Sources: <a href="https://www.bls.gov/news.release/ecec.nr0.htm"><strong>BLS employer costs, June 2026</strong></a>, <a href="https://www.kff.org/health-costs/2025-employer-health-benefits-survey/"><strong>KFF 2025 employer health benefits survey</strong></a> and <a href="https://www.irs.gov/businesses/small-businesses-self-employed/self-employment-tax-social-security-and-medicare-taxes"><strong>the IRS self-employment tax page</strong></a></figcaption></figure>



<p class="wp-block-paragraph">If you live somewhere else, the mechanism is the same and the amounts differ. List what your employer pays on your behalf, such as health cover, a pension and social contributions. Then look up what each costs a self-employed person in your country.</p>



<p class="wp-block-paragraph"><strong>The number the business has to beat is your real monthly spending, plus tax, plus those costs.</strong> That figure usually sits well below your gross salary.</p>



<h2 class="wp-block-heading">Check whether a new job would fix what you hate about this one</h2>



<p class="wp-block-paragraph">Some of what makes a job hard to bear belongs to one company. A manager who times your lunch or a new strategy every quarter can end with a new employer.</p>



<p class="wp-block-paragraph">Other problems come with being an employee anywhere. You stay reachable after hours, and you answer for decisions you were overruled on.</p>



<p class="wp-block-paragraph"><strong>Those come from someone else having the final say over your work, so they follow you into the next job.</strong> If most of what you hate looks like that, a business of your own removes that.</p>



<h2 class="wp-block-heading">Follow these steps to start a business while working full time</h2>



<p class="wp-block-paragraph">Each step fits around a full-time job, and each one depends on the one before.</p>



<h3 class="wp-block-heading">1. Read your contract for IP, side-work and non-compete clauses</h3>



<p class="wp-block-paragraph">Open the agreement you signed on your first day before you build anything, and look for these clauses.</p>



<figure class="wp-block-table"><table><thead><tr><th>Clause</th><th>What it can do</th><th>What to check</th></tr></thead><tbody><tr><td>IP or invention assignment</td><td>Give your employer rights to work you do on your own time</td><td>Whether it reaches work outside your employer&#8217;s business</td></tr><tr><td>Moonlighting or outside work</td><td>Require approval before you take paid work elsewhere</td><td>Whether you must ask in writing</td></tr><tr><td>Non-compete</td><td>Limit what you do after you leave</td><td>How long it lasts and whether your state or country enforces it</td></tr></tbody></table></figure>



<p class="wp-block-paragraph">In the United States, a federal court stopped the Federal Trade Commission&#8217;s 2024 non-compete ban. <a href="https://www.ftc.gov/legal-library/browse/rules/noncompete-rule"><strong>The FTC&#8217;s page on the rule</strong></a> (last updated April 20, 2026) says it is not in effect, so state law still decides. Other countries have their own rules.</p>



<p class="wp-block-paragraph">This is general information, so take unclear wording to an employment lawyer. And keep every business file and account on devices you own.</p>



<h3 class="wp-block-heading">2. Choose one direction before you spend an hour building</h3>



<p class="wp-block-paragraph">Holding three ideas feels like keeping your options open. In practice, every hour becomes an argument with yourself about which one to work on.</p>



<p class="wp-block-paragraph">Choose the direction where you already have the skill and a problem you have solved for others more than once.</p>



<p class="wp-block-paragraph">This is the step we built <a href="https://thisuncommonlife.com/the-shortlist/"><strong>The Shortlist</strong></a> for. It is a free 60-minute live workshop where you find the solo business ideas worth building, whether you arrive with several ideas or none.</p>



<h3 class="wp-block-heading">3. Write down who you help in one sentence</h3>



<p class="wp-block-paragraph">Finish this sentence before anything gets built:</p>



<div class="wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow" style="border-left-color:#0038FF;border-left-width:6px;background-color:#F6F4EF;padding-top:20px;padding-right:24px;padding-bottom:20px;padding-left:24px">
<p class="wp-block-paragraph"><strong>[Your business] helps [a specific kind of person] with [a specific problem] so they can [a specific outcome].</strong></p>
</div>



<p class="wp-block-paragraph">If the first blank says &#8220;small businesses&#8221;, keep narrowing. &#8220;Heads of operations at logistics companies with 50 to 200 staff&#8221; is specific enough to name four of them from memory.</p>



<h3 class="wp-block-heading">4. Protect 2 hours before work, 4 mornings a week</h3>



<p class="wp-block-paragraph">Evenings look free on paper, but after a full day of meetings most of that time goes to recovering.</p>



<p class="wp-block-paragraph">Working 2 hours on 4 mornings gives you 8 hours a week of your best attention. That adds up to <strong>roughly 400 hours a year without a single day off</strong>. Put each block in your calendar with the task named, such as &#8220;Client outreach, 6am&#8221;.</p>



<p class="wp-block-paragraph">Meanwhile, keep hitting your deadlines at work, so your manager has no reason to start watching you closely.</p>



<h3 class="wp-block-heading">5. Ask 4 people to pay you before you build a website</h3>



<p class="wp-block-paragraph">The website, the logo and the registered company all feel productive. None of them tells you whether a customer will pay.</p>



<p class="wp-block-paragraph">Go to 4 people who match your sentence and offer to do the work at a price, with a date. Charge from the first one, even a small amount. Kind words and a payment tell you very different things.</p>



<p class="wp-block-paragraph">If all 4 say no, you have spent two weeks and learned what to change.</p>



<h3 class="wp-block-heading">6. Set the monthly income that tells you it is time to leave</h3>



<p class="wp-block-paragraph">A savings goal that lives only in your head grows every time you get nervous. So write two numbers on one line.</p>



<p class="wp-block-paragraph">The first is the monthly income the business has to reach: your spending, plus tax, plus what your employer covers today. The second is how many months in a row it has to hold. <strong>Once both are written down, you leave when the business hits them.</strong></p>



<p class="wp-block-paragraph"><a href="https://thisuncommonlife.com/plan-a/"><strong>Plan A</strong></a> follows this exact order. It is our 8-week program for professionals with years of experience and no business built from it yet, coached 1:1 around a full-time job.</p>



<h2 class="wp-block-heading">Wait if your stock vests soon or the job is harming you</h2>



<p class="wp-block-paragraph">If stock options, a retirement match or a bonus vests within 12 months, work out what leaving early would cost. Pick your date with that figure in front of you.</p>



<p class="wp-block-paragraph">If the job involves harassment or unpaid wages, talk to an employment lawyer before you resign. If it is affecting your health, see a doctor first.</p>



<p class="wp-block-paragraph">This plan suits a business built on your expertise, such as consulting or coaching. A business that needs investors or a warehouse of stock needs a different plan.</p>



<div class="wp-block-group tul-takeaways is-layout-flow wp-block-group-is-layout-flow">
<p class="tul-tk-h wp-block-paragraph">Key takeaways</p>



<ol class="wp-block-list">

<li>Build while you still have a salary, because <strong>founders who started on the side had much higher survival rates</strong> than those who quit first.</li>


<li>Your employer spends <strong>close to a third of what it pays for you on benefits</strong>, so price them before you set a leaving number.</li>


<li><strong>Read your contract for IP, moonlighting and non-compete clauses</strong> before you build anything.</li>


<li><strong>Choose one direction and write who you help in one sentence</strong>.</li>


<li><strong>Protect 2 hours before work on 4 mornings a week</strong>, roughly 400 hours a year.</li>


<li><strong>Ask 4 people to pay you before you build a website</strong>, and leave when the business hits the income you wrote down.</li>

</ol>
</div>



<h2 class="wp-block-heading">Get help choosing the direction, the step that decides the rest</h2>



<p class="wp-block-paragraph">You have the whole method now. <strong>Choosing the direction decides whether the other steps are worth doing</strong>, and it is the step people most often get wrong on their own.</p>



<h3 class="wp-block-heading">Plan A gets your business chosen, set up and running in 8 weeks</h3>



<p class="wp-block-paragraph"><a href="https://thisuncommonlife.com/plan-a/"><strong>Plan A</strong></a> is our 8-week, application-based program for professionals with real expertise and no business built on it yet. Most founders in it are still in a 9 to 5, and it works the same way if you were laid off or you freelance.</p>



<p class="wp-block-paragraph">We work with you one on one on the direction you commit to, the business set up correctly underneath it, the positioning and the offer, and a plan for reaching your first customers. By week 8 you are running it yourself.</p>



<p class="wp-block-paragraph">Working it out alone is possible, and it is also how people spend 2 years and a lot of money reaching an answer 8 weeks would have given them. You can <a href="https://thisuncommonlife.com/plan-a/apply/"><strong>apply for Plan A here</strong></a>.</p>



<h3 class="wp-block-heading">The Shortlist is how you work out what you should build</h3>



<p class="wp-block-paragraph"><a href="https://thisuncommonlife.com/the-shortlist/"><strong>The Shortlist</strong></a> is our free 60-minute live workshop for the choosing step, whether you have several ideas or none yet. You leave knowing which solo business ideas are worth building and why, and Plan A is where we help you build the one you choose.</p>
<p>The post <a href="https://thisuncommonlife.com/start-a-business-while-working-full-time/">How to start a business while working full time (if you feel trapped)</a> appeared first on <a href="https://thisuncommonlife.com">This Uncommon Life</a>.</p>
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