サバティカル資金計画
PRO3ヶ月のキャリアブレイクに必要な金額を計算。健康保険、生活費、復帰準備まで完全シミュレーション。
使用例
3ヶ月休みたい。いくら貯めておけばいい？…
このスキルの使い方
スキルをコピー 上のボタンを使用
AIアシスタントに貼り付け (Claude、ChatGPT など)
下に情報を入力 (任意) プロンプトに含めるためにコピー
送信してチャットを開始 AIと会話
おすすめのカスタマイズ
| 説明 | デフォルト | あなたの値 |
|---|---|---|
| 月次住居費（家賃/住宅ローン、固定資産税、管理費含む） | 2000 | |
| 税務計画用の現在の年間総給与 | 80000 | |
| 計画されたキャリアブレイクの月数 | 3 | |
| 生活費エリア（低、中、高） | medium_col | |
| ユーザーに扶養家族がいるか（配偶者、子供） | false | |
| 現在の健康保険源（雇用主、配偶者、マーケットプレイス、なし） | employer |
A comprehensive financial calculator for planning a 3-month career break to recover from burnout. This skill helps you determine exactly how much money to save, navigate complex health insurance options (COBRA, ACA marketplace, spouse’s plan), identify tax optimization strategies during your low-income year, and create a realistic pre-sabbatical financial checklist.
The Burnout Sabbatical Planner provides personalized calculations based on your salary, location, family situation, and expenses. It includes real-world scenarios from urban professionals in medium COL areas to families in high-cost cities, so you can see what sabbatical planning looks like for situations similar to yours.
Key Features
- Personalized Expense Calculator: Track essential vs. discretionary spending and calculate sabbatical-adjusted monthly costs
- Health Insurance Navigator: Compare COBRA, ACA marketplace, spouse’s plan, short-term insurance, and travel insurance with pros/cons for each
- Tax Optimization Strategies: Roth conversions, capital gains harvesting, and withholding adjustments for low-income years
- Pre-Sabbatical Checklist: 6-month, 3-month, and 1-month preparation timelines
- Honest Feasibility Assessment: Red flags that suggest delaying your sabbatical
- Real-World Scenarios: Detailed examples for different income levels and family situations
Who This Skill Is For
- Burned out professionals considering a career break
- Anyone planning extended time off between jobs
- People evaluating financial readiness for unpaid leave
- Workers exploring FMLA, sabbatical, or career transition options
What You’ll Learn
- The exact formula for calculating minimum sabbatical savings
- How ACA subsidies work when your income drops mid-year
- Why COBRA might not be your best health insurance option
- Tax strategies that could save you thousands during your break
- When a sabbatical is financially risky and what alternatives exist
参考文献
このスキルは以下の信頼できる情報源の調査に基づいて作成されました：
- COBRA Continuation Coverage Questions and Answers Official U.S. Department of Labor guidance on COBRA eligibility, costs, and 18-month coverage limits
- Healthcare.gov Special Enrollment Periods ACA marketplace enrollment rules when leaving employer coverage
- IRS Publication 590-A: Contributions to Individual Retirement Arrangements IRS guidance on Roth conversions and low-income year tax strategies
- IRS Capital Gains Tax Rates 2025 0% capital gains bracket thresholds for tax-loss harvesting during sabbatical
- Kaiser Family Foundation: 2024 Employer Health Benefits Survey Average employer health insurance costs and COBRA premium estimates
- Bureau of Labor Statistics: Consumer Expenditure Survey Average American household spending by category for expense benchmarking