The Unemployment Scare Vs. My Cash-Flowing Assets
My current cash-flow from my assets and how they cover all my set monthly expenses - even away from home
Helen Randle
8/21/20251 min read
WOW! I was almost unemployed for a month. And recently, I was on a contract that I was not getting my hours in full, meaning my income was anywhere from $0-$3000 per week.
Luckily, I secured a new job that is predictable and I was cleared to start my contract - after a hold-up that could have cost me a month of income.
SO WHAT HAPPENS IF I DON'T HAVE A STEADY INCOME/W2 JOB?
Over the past 3 years, I have been investing in assets that will MAKE me money, A.K.A. "Making Your Money Work For You". They provide income, active and passive, outside of my W2 job. Here are the two that I can use my "passive" income for daily life.
I own a home - I own my condo outright, and I rent it out while I am away for work. I try not to rent while I am at home unless the timing lines up, because that makes it easier for me AND the tenant to be at peace and not in a "shared space" for long periods of time.
I hold my Emergency Savings in a High Yield Savings Account - I hold my money here so I can earn passive income from the interest provided by the bank simply for saving with their company.
I became more interested in CASH-FLOW after reading RICH DAD POOR DAD by Robert Kiyosaki. Find it here: https://amzn.to/4k07ZcA
HOW WOULD I DO IT?
I live off of my investments
I watch all of my expenses (write them down)
I calculate my expected monthly income from assets, and figure out cash-flow (income minus expenses)
I live as frugally as possible, within reason of my goals and savings.
Here is my cash-flow as of July, 2025 - based on me moving to my new room rental for work in CA.
Mid-Term Rental Income: $1,900.00
HYSA Interest: $ 334.81
TOTAL: $2,234.81
Minus Set HOME Expenses: $1,053.22
Minus Rent in CA: $875.00
TOTAL CASH-FLOW: $306.59
The total cash-flow of $306.59. That is about the amount I would have left over after deducting planned expenses. My Power Bill was $158.51, and fluctuates monthly. These numbers do not include investing monthly - this is just the necessities.
Can a single girl living in California live off of $300/mo after expenses? Its not IMPOSSIBLE, but not ideal.
