i am at 80% probability on dropping my PhD. reason is financial;

apart from the fact that i have failed to secure a student loan previously, have to pay the first semester fee using Employwe Provident Fund money, have significant pay cut and financially unstable (honestly speaking).

what is next? if I drop my PhD, I have to resign from my university post. unfortunately, that is the rule. worse, i also have to pay back a sum of MYR100k to the university, probably RM1k as installment.

way forward, I am seeking employment elsewhere. I got a job offer with a decent pay rise of 14.5%, but i have to relocate to a different state. i will be distant from my wife until probably later november this year.

however, as of now, i dont observe any predatory clause in the employment contract ( i hope so), plus no abusive work hours ( again, I hope so). i mean, i got a job offer that pays me 54% more, but so many predatory clauses. as a government officer, my job is "kinda secure". but if i venture into the private industry world, my job will be on a rocking rock. but i guess everyone have to take some risk.

plus, i got the opportunity to do overtime. lots of it. so that is where i hope i can rebuild my personal economy.

wish me luck in health and luck in life.