I would say at least 80% of amateurs balance full time job, families, and riding, so you’re definitely not in a unique position. But commonality doesn’t make it easy!
I think it comes down to:
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Priorities. You need to decide what is most important to you in life - and you need to do that soon, because that does determine your trajectory. For me, I value flexibility and riding every day over making a lot of money. I’m an accountant, and instead of working for a big firm where I’d make tons of money but only ride a few times a week, I work as a consultant 1-on-1 with small businesses. That gives me flexibility to be able to ride every day and take time off for horse shows, but I don’t make enough money to show the big circuits or have super nice horses.
You may prefer to make the $$$, which usually requires putting in a ton of hours, which means your horse will need to be in formal training with a good trainer since you likely won’t be able to ride every day. There’s nothing wrong with that at all, you just need to think through what’s important to you because you realistically can’t have it all. I did a stint as a pro for about 5 years post college, so for me, I can’t stomach the idea of not bringing along my own horse and riding every day.
You may prefer to make the money and decide to quit riding for 5 years while you make tons in your job and then be able to scale back work and ride the way you want to. Or whatever.
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Working Hard. You’re going to work your ass off. Before I had my horses at home and worked mainly from home, I would work an 8 hour day, go to the barn and ride, get home and eat dinner, and then work until midnight finishing whatever needed to be done. And I’d do that every day. I was (and still am!) behind in some way all the time, whether that’s with work, housework, spending time with people, or riding. Balancing work (even if it’s not a 70 hour a week job), riding, a social life, and family is really hard, and you will put in serious hours fitting everything in.
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Compromise and Flexibility. If you’ve read my first two suggestions, this one is a natural realization. You will HAVE to compromise, or you will go crazy. There will be a day you just can’t ride because work has completely emptied you. There’ll be a day you can’t ride because spending time with your SO is more important. There’ll be a family function you miss because there’s a horse show. You cannot have it all (or if you figure out how to, you better post back and clue us all in!). You have to be willing to change your plan half way through the day when you realize your evening plan isn’t going to happen. You have to compromise how many horse shows you want to do with what’s realistic; likewise, you have to be realistic about your riding goals with the realities of your life. Chasing something that’s impossible to attain due to circumstances is a recipe for disaster.
This may not be what you want to hear, but I wish I’d heard it sooner. Most people aren’t good enough to be Grand Prix riders riding a few times a week. And most people can’t afford to be Grand Prix riders without substantial financial resources. You need to make sure your goals are realistic or you’ll be perpetually disappointed and unhappy. And as hard as it was, the second I let my own Grand Prix dreams go, I instantly began enjoying life more. It doesn’t really matter what could be, it matters what is.
And most of all, you need to accept the realities of compromise and flexibility. You need to be able to say “I can’t ride tonight because work just blew up in my face” or “realistically, that riding goal is out of range for me” and instead of being pissed about it all day, accept that it’s part of balancing everything.
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Remember It’s a Choice. You’re gonna get bitter. You’re gonna get burned out. You’re gonna get jealous of your friend or SO who spends hours watching TV because they can. You’re going to feel sorry for yourself for your 13 hour days 7 days a week when your friends are going out to the bars and having fun. You’re going to be super jealous of your ammy friend who’s financed by a trust fund or a wealthy SO and who gets to ride all day and compete all year!
And when you feel that way, remind yourself that this is a choice, and reality is reality. You’ve chosen this insane lifestyle because you want to ride, and life isn’t fair. And at any time, you have the power to change things to make yourself happier.
There’s always someone who has it easier than you, but blaming them or being jealous doesn’t do anything but make yourself miserable. Remember you’ve chosen this path, and it comes with advantages and costs - and that at any point, you can change things.
Good luck - it’s hard work, but it’s SO worth it!