Friday, 16 January 2026

A millennial quit a 6-figure job at Google to pursue more meaningful work: 'I wanted more out of my career and my life.'

Joslyn Orgill
Joslyn Orgill
  • Joslyn Orgill left her six-figure data engineer job at Google to pursue a Ph.D. in computer science.
  • She said concerns about job security and a desire for more fulfilling work led her to rethink her career.
  • Orgill shared her top advice for others considering a major career pivot.

Earlier this year, Joslyn Orgill faced a career-defining choice: keep her six-figure data engineer job at Google — or leave it behind to pursue a path she hoped would make her happier in the long run.

There were many reasons it made sense to stay put. For one, Orgill had long viewed Google as the top destination for aspiring technical engineers — and she'd worked hard to get there. She spent two summers interning at ExxonMobil and Adobe, and in 2021 earned both a bachelor's and a master's degree in information systems from Brigham Young University through an integrated program.

From a financial standpoint, she was doing well — and she and her husband had bought a home in Austin less than two years earlier, a decision that made staying at Google feel like the practical choice.

However, the reasons to leave began to build — she was concerned about job security in a tech career, felt somewhat invisible at a large company, and had a growing desire to pursue work she was more passionate about.

"Google's an amazing company, but the job just wasn't a great fit for me," said the 30-year-old.

Over the past year, I've interviewed more than a dozen workers who, like Orgill, chose to quit their jobs with a major employer — in some cases, without having another role lined up. While some eventually landed at another large corporation, others stepped away from the corporate world entirely; they joined a smaller business, pursued a venture of their own, made a career pivot, or focused on personal matters, such as parenting.

These individuals have become outliers in an economy where workers are quitting at one of the lowest rates in the past decade — a trend driven by a hiring slowdown that's left many clinging to their jobs with few alternatives. Those who have called it quits in this environment told Business Insider they did so due to concerns about job security, shifts in workplace culture, entrepreneurial ambitions, and a desire to do more meaningful work. In short, they tend to quit because they want more agency over their careers in the long run.

Orgill shared how she eventually became confident in her decision — and offered advice for others facing a crossroads in their careers.

"I wanted more out of my career and my life"

Orgill's decision was shaped in part by her time at BYU, where she taught two sections of an introductory programming and analytics course as an adjunct professor. She loved it and felt she was good at it.

In November 2021, Orgill received an offer for a full-time cloud technical resident role at Google, based in Austin, with the help of a referral from her sister-in-law. After she gave her a tour of a Google office, Orgill was especially eager to join the company.

"I just loved the vibes," she said. "I was really excited to work at Google."

She eventually settled into a full-time data engineer role, but over time, she said she began to feel "unseen" — and that it often didn't feel like her work was making much of an impact.

"I wanted more out of my career and my life," she said, "something that I was more passionate about than what I could achieve at a big company like Google."

Orgill considered pursuing new roles, both inside and outside Google, but said there didn't seem to be many openings she was interested in — something she attributed, in part, to a broader hiring slowdown in tech.

"I had friends who were graduating and weren't able to find jobs," she said, "so I just didn't have a lot of confidence that I would be able to find something that I enjoyed more at a different tech company."

Orgill also wasn't fully confident in her job security at Google — or in the tech industry more broadly. That concern hit home in January 2023, about six months into the job, when Google announced plans to lay off around 12,000 workers.

"It was a crazy, crazy day," she said. "That was a scary time."

'If I don't do it now, I'll always be wondering: what if I had?'

As doubts about her career grew, Orgill said her interest in teaching lingered in the back of her mind. One path she'd considered was working in tech, earning good money, and returning to teaching later in life. But over time, she began to question whether it was worth postponing what she truly wanted to do.

"I felt like there were so many reasons not to — I'm making enough money, we just bought a house — but I realized that if I don't do it now, I'll always be wondering: what if I had?"

Last August, she left her job at Google to pursue a Ph.D. in computer science with a focus on education at the University of Illinois at Urbana-Champaign.

While she's still figuring out what she wants to do after the program — which typically takes four to six years — she's strongly considering an academic career, potentially as a professor teaching computer science or information systems courses. Her larger goal, she said, is to help broaden participation in the computer science field.

"I want other people to feel confident that they can do something with technology, even if they're from an underrepresented group," she said.

Joslyn Orgill
Joslyn Orgill

'Giving up a salary and all of the benefits that I had was a big deal'

Orgill said she received three years of funding from the university to pursue her Ph.D. and receives a modest monthly stipend. From a financial perspective, a big reason she felt comfortable resigning from Google is that her husband works remotely and kept his job when they moved to Illinois.

The couple tried to sell their home in Austin but didn't secure an offer they felt good about, so they're renting it out to friends while living in an apartment near campus. However, the rent they collect doesn't fully cover the mortgage, so they hope to sell the home eventually.

Orgill said her experience in the Ph.D. program has been good so far. When she occasionally wonders whether leaving Google was the right move, she thinks back to how much she enjoyed teaching at BYU.

"That's what I go back to when I'm scared," she said, "because getting a Ph.D. is a lot of work, and obviously giving up a salary and all of the benefits that I had was a big deal."

One of Orgill's top pieces of advice for others weighing a big career move: consider how much you're willing to give up financially to pursue more meaningful work. She added that having a supportive partner has also been crucial to making the pivot.

"My husband was incredibly supportive and wanted me to find something that I was passionate about," she said. "I'm really grateful for that."

Read the original article on Business Insider


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Silver's price has skyrocketed — but one key factor could cap the rally

Silver ores laid over a candlestick chart
Silver is both an investment metal and a key material for solar panels and electronics.
  • Silver's blistering rally may push industrial to cut back or find substitutes, Saxo says.
  • Silver prices have surged far faster than gold as investors pile into hard assets.
  • Silver is a core material in solar panels, making the industry especially sensitive to rising prices.

Silver has outshone gold in the blistering precious-metals rally, but the surge may be running into a real-world constraint: The industries that actually use the white metal may be starting to pull back.

"At some price level, fabricators and end users simply cannot absorb higher costs," Ole Hansen, the head of commodity strategy at Saxo Bank, wrote on Wednesday.

Industrial applications for silver include solar panels, electronics, and chips crucial to the AI buildout.

"They either try to pass them on and fail, cut back on purchases, or look for substitutes," Hansen added.

The spot silver price hit a fresh record high above $93 per troy ounce this week and is already up nearly 26% in 2026. The precious metal surged about 170% in 2025, far outpacing the 73% gain in gold prices over the same period.

Silver occupies a more complicated position than gold because it is both a precious metal and a core industrial input. This means it benefits from the same fear-driven demand that lifts gold, while also being tied to long-term themes such as electrification, solar energy, and electronics.

That mix made silver especially vulnerable to supply shocks. A physical short squeeze in London last year amplified the surge after inventories were left unusually thin by large flows of metal into US vaults amid tariff concerns.

Chinese production overcapacity and intense competition in recent years have driven up demand for the precious metal and other inputs.

With silver now trading around $91 an ounce, some industrial consumers are beginning to respond by cutting usage or turning to substitutes.

Recently, major Chinese solar manufacturers Longi Green Energy Technology and Jinko Solar said they would begin substituting some silver with cheaper base metals. Even so, it may take time before slower buying and the use of existing stockpiles become visible enough to change the broader narrative around silver's boom, Hansen wrote.

"Every rally eventually meets its limit, and for silver, the most likely brake is industrial demand destruction," wrote Hansen.

Read the original article on Business Insider


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Tuesday, 13 January 2026

Trump's big swing at credit card interest rates targets a growing American problem

President Donald Trump
President Donald Trump's proposal to cap credit card interest rates at 10% comes as Americans' debt loads are at record highs.
  • Trump called for a one-year cap on credit card interest rates at 10%.
  • For years, limited regulation has allowed companies to charge high rates, and consumers have fallen further into debt.
  • Some lawmakers have said they would pass legislation capping interest rates.

Americans are racking up credit card debt, and it's costing them even more to get rid of it.

It's a piece of the affordability debate that has caught the attention of both parties.

In a move that has been pushed for by lawmakers across the aisle, President Donald Trump on January 9 called for a one-year, 10% cap on credit-card interest rates. He wrote in a Truth Social post that he would call for the cap to begin on January 20.

"Please be informed that we will no longer let the American Public be 'ripped off' by Credit Card Companies that are charging Interest Rates of 20 to 30%, and even more, which festered unimpeded during the Sleepy Joe Biden Administration," Trump wrote.

The easiest path for Trump to cap interest rates would be through congressional legislation. While it's unclear if the proposal would make it through Congress and onto the president's desk, given that similar legislation has yet to become law, Sen. Elizabeth Warren signaled she would work with the president on making it happen.

Warren said in a statement that during a Monday call with Trump, she "told him that Congress can pass legislation to cap credit card rates if he will actually fight for it."

However, beyond the mechanics of the proposal, the underlying sentiment — that credit card companies have "ripped off" consumers by charging excessive interest — is an issue that has plagued the US for decades as debt loads continue to rise.

In the third quarter of 2025, the most recent period for which data is available, credit card debt reached a record high of $1.23 trillion — a $24 billion increase from the previous quarter and a $67 billion increase from Q3 2024.

Trump promised a 10% credit-card interest rate cap on the campaign trail, and his latest announcement follows recent bipartisan legislation pushing for a similar move.

In February 2025, Sens. Bernie Sanders and Josh Hawley introduced a bill capping rates at 10% for five years, with the GOP's Hawley saying in a statement at the time that "working Americans are drowning in record credit card debt while the biggest credit card issuers get richer and richer by hiking their interest rates to the moon."

Even as the Federal Reserve has stepped in to broadly lower interest rates, credit card rates have edged down but remained near record highs over the past year. That means that the Americans trying to chip away at their record-high credit card debt are paying more on those outstanding balances.

It's not a glitch in the system that consumers are getting trapped by high interest rates — it's a feature, consumer protection experts previously told Business Insider. Hidden fees and shady terms can pull consumers in, and they won't realize what they signed up for until it's too late, Adam Rust, director of financial services at the Consumer Federation of America, said.

"Credit-card companies can get away with charging high rates of interest because consumers aren't necessarily paying attention, and marketing doesn't focus on that," Rust said.

At the same time, as creditors accrue higher debt loads and contend with higher interest rates, an increasing share of loans is simply going unpaid for 30 days or more.

There's limited legal recourse for consumers. A 1978 Supreme Court decision allowed banks headquartered in states without usury laws — which aim to prevent companies from unfairly enriching themselves at the expense of borrowers to set their own interest rates without impunity.

Oversight over the industry is lacking, especially after the Trump administration moved to gut the Consumer Financial Protection Bureau. The CFPB conducts oversight of the industry and found, in a 2023 report, that credit-card companies charged consumers over $105 billion in interest in 2022, helping to boost their profit margins from 4.5% in 2019 to 5.9%.

Some credit-card companies took issue with Trump's proposal. A joint statement from the Bank Policy Institute, American Bankers Association, Consumer Bankers Association, Financial Services Forum, and Independent Community Bankers of America said that the "cap would only drive consumers toward less regulated, more costly alternatives" such as personal and payday loans. Banks typically use higher interest rates to compensate for customers who might not be able to pay back their loans.

Read the original article on Business Insider


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Creatine, ADHD video games: The quest for a better brain is turning into a gold rush

Monday, 12 January 2026

Here's what smart people in economics and business are saying about the DOJ's Fed probe

Fed chair Jerome Powell
Fed chair Jerome Powell
  • Fed Chair Jerome Powell said the central bank has received grand jury subpoenas from the Justice Department.
  • Economists, business leaders, and analysts are weighing the implications of the development.
  • Economists warn the probe threatens central bank independence and could rattle markets.

Federal Reserve Chair Jerome Powell said late Sunday that the central bank had received grand jury subpoenas from the Department of Justice. He described the move as a part of a broader effort to pressure the central bank on monetary policy.

Prominent economists and business leaders are reacting as the news hit markets at the start of the trading week. They weighed in on how the DOJ move affects the Fed's independence, a question also raised by Sen. Thom Tillis. On Sunday, the Republican said he would oppose nominees for the Fed.

"If there were any remaining doubt about whether advisers within the Trump Administration are actively pushing to end the independence of the Federal Reserve, there should now be none," Tillis said in a statement.

Here's what leaders in economics and business are saying:

Mohamed El-Erian

Prominent economist Mohamed El-Erian called for Powell's resignation months ago to protect the Fed's independence amid the feud with Trump.

On Sunday, El-Erian wrote on X that the inquiry into Powell is damaging for the US central bank.

"For those of us who value the operational autonomy of central banks, the risk is that this situation could expose deeper issues — further undermining the credibility of a Fed whose public standing is already fragile," wrote El-Erian, who is a former co-chief investment officer at Pimco.

Reid Hoffman

LinkedIn cofounder Reid Hoffman raised concerns about the Fed's independence.

"Question to all those who said Trump would be better for the economy: is attacking the Fed's independence what you had in mind?" wrote the prominent Democratic donor on X.

Peter Schiff

Peter Schiff, the chief economist at Euro Pacific Asset Management, attributed the gold price surge to fresh record highs on Sunday evening to the investigation into Powell.

"I am not a fan of Powell, but I agree with him on Trump's motivation," Schiff, whose firm managed $1.4 billion last year, wrote on X.

In April, Schiff said Trump's next Fed Chair pick would be a "loyal soldier."

Read the original article on Business Insider


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A millennial quit a 6-figure job at Google to pursue more meaningful work: 'I wanted more out of my career and my life.'

Joslyn Orgill Joslyn Orgill Joslyn Orgill left her six-figure data engineer job at Google to pursue a Ph.D. in computer science. She s...