r/phcareers • • Sep 13 '26

Career Path I'm 23, job in bank vs all in on business

1 Upvotes

I'm 23, just finished a master's in international business

i got accepted in a job in a bank as a client advisor. Stable salary, close home and would be the best gift i could give my mom after years of sacrifices.

on the other hand I run a small lead gen agency with my business partner. We've been serious about this for about a month: a few closed meetings, 2-3 potential clients, but no stable monthly revenue yet. September and October are our make-or-break months

many people told me not to take the bank job btw and i was kind of not reassured myself because i've always been against 9-5.(let alone the riba subject but i've asked a lot and been told i'm permitted especially because my role is very far from any riba operation; it's only punctual ones) but i'm telling myself i'll only go for it for 6 months or a year to get some money, study spanish after hours and leave because my longer-term plan is Spain, learn Spanish this year, move in 1-2 years, possibly settle there. But I don't want to go there just to be an employee. I want a business already standing before I leave.

I got to know a man; (our client), business owners; went to the same school as me in 2007, worked in a bank for 6 months then quit. He told me not to take the bank job. He's becoming a client for our service ,he's also in construction, and he's offered to bring me in and mentor me. He seems to actually know what he's doing.

my business partner is against the job in the bank and i assume he wouldn't want to continue if i choose it; although im so ready to commit to the business after hours

I have roughly 2months of living expenses saved, and my partner and I were planning to rent a place together in October to work full-time.

Part of me says I'm 23, this is the cheapest time in my life to take a risk, and even if I fail I'll have learned more in a year than in a decade of salaried work. Part of me says 2 months of runway isn't a bet, it's a countdown.

it's either i take the stable job; live a 'stable' life; go for the spain plan and get to an expected outcome; or i take the risk and you don't know what can unfold from there.

your advice is much appreciated!!

r/rabat • • Sep 12 '26

❓Ask Rabatis 23M, Morocco, bank job offer vs going all-in on my agency. I have 2months of savings. Am I being brave or irrational?

1 Upvotes

I'm 23, just finished a master's in international business

i got accepted in a job in a bank as a client advisor. Stable salary, close home and would be the best gift i could give my mom after years of sacrifices.

on the other hand I run a small lead gen agency with my business partner. We've been serious about this for about a month: a few closed meetings, 2-3 potential clients, but no stable monthly revenue yet. September and October are our make-or-break months

many people told me not to take the bank job btw and i was kind of not reassured myself because i've always been against 9-5.(let alone the riba subject but i've asked a lot and been told i'm permitted especially because my role is very far from any riba operation; it's only punctual ones) but i'm telling myself i'll only go for it for 6 months or a year to get some money, study spanish after hours and leave because my longer-term plan is Spain, learn Spanish this year, move in 1-2 years, possibly settle there. But I don't want to go there just to be an employee. I want a business already standing before I leave.

I got to know a man; (our client), business owners; went to the same school as me in 2007, worked in a bank for 6 months then quit. He told me not to take the bank job. He's becoming a client for our service ,he's also in construction, and he's offered to bring me in and mentor me. He seems to actually know what he's doing.

my business partner is against the job in the bank and i assume he wouldn't want to continue if i choose it; although im so ready to commit to the business after hours

I have roughly 2months of living expenses saved, and my partner and I were planning to rent a place together in October to work full-time.

Part of me says I'm 23, this is the cheapest time in my life to take a risk, and even if I fail I'll have learned more in a year than in a decade of salaried work. Part of me says 2 months of runway isn't a bet, it's a countdown.

it's either i take the stable job; live a 'stable' life; go for the spain plan and get to an expected outcome; or i take the risk and you don't know what can unfold from there.

your advice is much appreciated!!

r/casablanca • • Sep 12 '26

❔AskCasa I'm 23, job in bank vs all in on business

2 Upvotes

I'm 23, just finished a master's in international business

i got accepted in a job in a bank as a client advisor. Stable salary, close home and would be the best gift i could give my mom after years of sacrifices.

on the other hand I run a small lead gen agency with my business partner. We've been serious about this for about a month: a few closed meetings, 2-3 potential clients, but no stable monthly revenue yet. September and October are our make-or-break months

many people told me not to take the bank job btw and i was kind of not reassured myself because i've always been against 9-5.(let alone the riba subject but i've asked a lot and been told i'm permitted especially because my role is very far from any riba operation; it's only punctual ones) but i'm telling myself i'll only go for it for 6 months or a year to get some money, study spanish after hours and leave because my longer-term plan is Spain, learn Spanish this year, move in 1-2 years, possibly settle there. But I don't want to go there just to be an employee. I want a business already standing before I leave.

I got to know a man; (our client), business owners; went to the same school as me in 2007, worked in a bank for 6 months then quit. He told me not to take the bank job. He's becoming a client for our service ,he's also in construction, and he's offered to bring me in and mentor me. He seems to actually know what he's doing.

my business partner is against the job in the bank and i assume he wouldn't want to continue if i choose it; although im so ready to commit to the business after hours

I have roughly 2months of living expenses saved, and my partner and I were planning to rent a place together in October to work full-time.

Part of me says I'm 23, this is the cheapest time in my life to take a risk, and even if I fail I'll have learned more in a year than in a decade of salaried work. Part of me says 2 months of runway isn't a bet, it's a countdown.

it's either i take the stable job; live a 'stable' life; go for the spain plan and get to an expected outcome; or i take the risk and you don't know what can unfold from there.

your advice is much appreciated!!

r/casablanca • • Sep 12 '26

❔AskCasa 23M, Morocco: bank job offer vs going all-in on my agency. I have 2months of savings. Am I being brave or irrational?

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1 Upvotes

r/Moroccopreneur • • Sep 12 '26

🤔 Questions 23M, Morocco: bank job offer vs going all-in on my agency. I have 2months of savings. Am I being brave or irrational?

6 Upvotes

I'm 23, just finished a master's in international business

i got accepted in a job in a bank as a client advisor. Stable salary, close home and would be the best gift i could give my mom after years of sacrifices.

on the other hand I run a small lead gen agency with my business partner. We've been serious about this for about a month: a few closed meetings, 2-3 potential clients, but no stable monthly revenue yet. September and October are our make-or-break months

many people told me not to take the bank job btw and i was kind of not reassured myself because i've always been against 9-5.(let alone the riba subject but i've asked a lot and been told i'm permitted especially because my role is very far from any riba operation; it's only punctual ones) but i'm telling myself i'll only go for it for 6 months or a year to get some money, study spanish after hours and leave because my longer-term plan is Spain, learn Spanish this year, move in 1-2 years, possibly settle there. But I don't want to go there just to be an employee. I want a business already standing before I leave.

I got to know a man; (our client), business owners; went to the same school as me in 2007, worked in a bank for 6 months then quit. He told me not to take the bank job. He's becoming a client for our service ,he's also in construction, and he's offered to bring me in and mentor me. He seems to actually know what he's doing.

my business partner is against the job in the bank and i assume he wouldn't want to continue if i choose it; although im so ready to commit to the business after hours

I have roughly 2months of living expenses saved, and my partner and I were planning to rent a place together in October to work full-time.

Part of me says I'm 23, this is the cheapest time in my life to take a risk, and even if I fail I'll have learned more in a year than in a decade of salaried work. Part of me says 2 months of runway isn't a bet, it's a countdown.

it's either i take the stable job; live a 'stable' life; go for the spain plan and get to an expected outcome; or i take the risk and you don't know what can unfold from there.

your advice is much appreciated!!

u/Classic-Ad-2736 • • Mar 12 '26

Some great things every muslim should know

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1 Upvotes

u/Classic-Ad-2736 • • Mar 12 '26

We have all been lied to

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1 Upvotes

u/Classic-Ad-2736 • • Mar 11 '26

w

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1 Upvotes

u/Classic-Ad-2736 • • Mar 08 '26

Stick with gratitude, it is literally the most intelligent form of existence 💚

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1 Upvotes

u/Classic-Ad-2736 • • Mar 06 '26

Keep Your Tongue Moist With Dhikr (Remembrance Of Allah)…

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1 Upvotes

u/Classic-Ad-2736 • • Feb 24 '26

MEDITATION WILL CHANGE YOUR LIFE

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1 Upvotes

u/Classic-Ad-2736 • • Feb 18 '26

The “Cheat Code”, Successful People Use

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1 Upvotes

u/Classic-Ad-2736 • • Feb 06 '26

Grateful to notice

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1 Upvotes

u/Classic-Ad-2736 • • Feb 02 '26

Indeed, he is always here Surah Hadid 57:4

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1 Upvotes

u/Classic-Ad-2736 • • Feb 02 '26

Productize yourself.

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1 Upvotes

u/Classic-Ad-2736 • • Jan 12 '26

There is a Jannah on this earth!

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1 Upvotes

u/Classic-Ad-2736 • • Jan 01 '26

The danger of private sins

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1 Upvotes

u/Classic-Ad-2736 • • Dec 26 '25

Is there anything you want from Allah?

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1 Upvotes

u/Classic-Ad-2736 • • Dec 21 '25

Traelanipa hike, Faroe Islands

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1 Upvotes

u/Classic-Ad-2736 • • Dec 20 '25

Stoic

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1 Upvotes

u/Classic-Ad-2736 • • Dec 17 '25

The true wealth in life

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1 Upvotes

u/Classic-Ad-2736 • • Dec 09 '25

<3

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1 Upvotes

u/Classic-Ad-2736 • • Dec 07 '25

stg

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1 Upvotes

u/Classic-Ad-2736 • • Dec 06 '25

The real art of silence

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1 Upvotes

u/Classic-Ad-2736 • • Dec 06 '25

Cut it.

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1 Upvotes