Few real people are adrift and alone in life, so it should be for your characters.
What sort of family does he have? How was he raised? Parents, grandparents, siblings, aunts & uncles will each have opinions to contribute. What sort of jobs do THEY have? If one member of a family leaves his job there's
always going to be one busybody putting forward suggestions. Goodness knows plenty of my family had alternatives to my becoming a writer (all of them wrong, of course.)
Janet Evanovich puts the fun in dysfunctional with Stef Plum's family in her series. Will Stephanie PLEASE go to work at the button or tampon factory? Noooo, she insists on being a (somewhat inept) bounty hunter.
One of my friends--I modeled a hitman character after him--has by turns been manager of two gay clubs (he's straight), ran a discount tire franchise, managed a topless club (he loved THAT one), sold ice cream, insurance, did financial management, carpet installing, D&D gaming for money, sold real estate with his mom, and is presently working in a company that makes realistic artificial limbs for amputees.
His parents were separated for years before he lost his dad--who was no angel--to cancer, and he has an extensive network of cousins in various professions. His dad was once a mover and shaker behind the scenes in state politics, and if my buddy had zigged instead of zagged he might well have ended up as a hitman for real. (He didn't like the mafia's retirement plan.)
He is also not--let's say *emotionally* rather than mentally suited for law enforcement, though he has much admiration for their profession.
Cops have to go through a lot of tests (at least in my state) to find out if they are psychologically able to handle the work. I had an ex who tried out for it and failed miserably. (No surprise, he was a total psycho.)
What it could be for yours is some traumatic incident can be the cause for leaving. Lawrence Block's Matt Scudder left his job when, while drunk, he shot the wrong person.
If your cop had to leave for emotional probs, then he might get disability and not have to have a regular job.
Try googling cops+quit or cops+retire, cops + disability or cops + severence to find out how things work on this.
Here's a nasty one about cops told to
retire or be fired.
But this is my all time favorite site for police reports from a small California town:
Arcata Eye: The Mildly Objectionable Weekly. The police reports are works of literary art. I have it bookmarked and check in every month or so for a dose of weirdness. One can only imagine the stalwart thin blue line protecting the public from this crime wave:
For instance...
3:24 p.m. It sort of goes to the old quality of life when a guy with 15 outstanding warrants lolls around in front of your Northtown house all day, saying not-so-nice things to you whenever you walk outside.
3:31 p.m. Arguably worse was the man swinging on a swing at an A Street home where the residents were away, growling and shouting at people. When police came, he pretended to be someone else, which helped expedite his trip to jail.
4:25 p.m. A bearded man in flip-flops smoked a lot of cigarettes, which wasn’t good for him, and insouciantly flicked the lit butts into a Valley West yard. Police were asked to direct him elsewhere.
3:17 p.m. A woman in the cop shop lobby told of a Fortuna couple who threatened to kill her and who had blown up the “World’s Trade Center.” Further, she said, “grand master forces” directed by someone who’d caused the Columbine massacre by mind control, were “turning her interior.” Since she hadn’t violated any laws and wasn’t a danger to herself, she wasn’t taken into custody.
• Tuesday, August 26 11:12 a.m. A loose, two-pooch tag-team of twin black poodles unleashed poofy terror in front of a coffee shop at Ninth and G streets, where people were already jittery. A man said the dogs weren’t his, but that he’d care for them temporarily.
11:13 a.m. Next, the hotel complained of poodle horror out front.
2:44 a.m. A man called saying he was crazy and couldn’t pee, demanding an ambulance in “extremely irritated” tones.
3:09 a.m. Wee-hour funsters slid their pooches down the slide in the Stewart Park playground, the dogs arfing with delight or puzzlement or both, neighbors dialing police with annoyance or sleeplessness, both.
9:11 a.m. A Valley West resident reported a neighbor glaring at her dog. She was informed that “dirty glares” don’t represent a criminal act.
4 p.m. A bottle of unpaid-for orange juice was actually a ticket from Northtown to the Pink House.
The "Pink House" or sometimes "Pink Palace" is the local jail, which, apparently, has a girly color scheme.