Need a career break but in debt

Hi. I am 44yo lady who have work more than 20 years. I suffered a burnt out during pandemic and would seriously need a career break (a year or so) to recuperate.

Problem is I still have a 100k HDB mortgage debt. Since i have only around 100k savings now, I still feel insecure to resign so soon.

So here i am in a limbo, working but my heart is dead. I don’t feel alive. Should i be bold and resign?

Netizens’ comments

Can you switch to a part time or flexible time with your company? Some companies do allow that.

How about a sabbatical leave? Or leave without a pay for a month or two

If you resign and spend your saving for your expenses and mortgage, you will feel insecured and stress too.Working is stress AND Not working is stress too. Because we need income to live comfortably.Try to balance. You might not need a year to recharge. I resigned before bec my job was stressful and stayed home, within 2 months, got too boring. All friends were working weekday, everyday. I was alone.So…be sure to know the root cause of your burn out. If it is this current job, then changing job may be the answer. Not just entirely take a break.If it’s your mental health issue and don’t feel you want to work for now. Then, calculate your financial status, how long are you allowed to not working. If your money says max 6 months, then you can hv 6 months break.Not suggested you to break without your fall back plan. Sometimes, you might run out of your money too soon.Do a good plan…how are you going to spend your time and money? Not just resign without having a good plan or direction. Break smart or you will face more stress and burn out frm other issues e.g. loan debts, etc.Take care and good luck

What’s the most important thing to you? Your debt? Your money? Your health? No right or wrong answers. Just personal priorities. Decide which one, stick to it and be responsible for your actions and consequences.