Fuck you money

We all have heard saving for a rainy day, building and emergency fund or some other variation of having some money saved for the bad times where money can reduce the pain of the bad time. Saving for a rainy day or having an emergency fund sounds weak, timid and exhibits lack of confidence. I prefer something bad ass and I call it having fuck-you money in the pocket.

When someone pushes us in corner, we fight back and beyond a point we cannot fight back because the balance of power is against us. I always prefer to have the option of going nuclear. I always want to have the option to say fuck you to the person or the situation and take back control of my life. Women folk raise your hand if you can relate to it. Being in a job with a toxic environment and or an exploitative boss or an abusive husband, boyfriend or significant other. Having wanted to get away from the situation but are dependent on it because you need the salary. Not just women but everyone else stuck in a dead-end job or any other situation where the balance of power is not in your favor can relate to it.

The sad reality is not many of us don’t even have the concept of fuck you money in their mind forget having it in their bank account fuck you money. Fuck you money at its most basic level means having the money so that you can take care of your expenses while you walk out of a bad situation, regroup and then get back on your feet. It could mean different things to different things for different people. For starters it means having enough money to take care of you for at least 12 months ready in your bank account. Having money to take care of 12 months of your expenses sounds daunting.

Some simple tricks to build up your fuck you  money

• Start with building fuck you money for one month of expenses, then take it up to two months of expenses and so on and so forth till you have an amount to handle 12 months of your expenses.
• Break up the problem into small achievable pieces and then keep making small progress
• Say fuck you to Apple, Samsung etc. etc. and don’t upgrade your mobile phone till you have your fuck you money.
• Say fuck you to all branded clothes and don’t upgrade you mobile phone till you have your fuck you money
• Say fuck you to eating out, smoking, buying alcohol till you have your fuck you money

These are just some ways you can start building your fuck you money. You can figure out in your own life to the expenses and companies you have to say your personal fuck you to get your fuck you money in place. Live for yourself and not for contributing to the sales, revenues, profit and income of others.

Fun facts

• If your boss knows that losing your job would send you to the street given your EMI’s vs your boss knowing that losing the job would at best be an inconvenience which can be handled will make your boss look at you differently.
• Having fuck you money gives you the internal strength and confidence to handle more difficult situations compared to when you don’t have fuck you money
• When you have the fuck you money it shows up directly or indirectly. Your tormentor realizes that you can go nuclear and say fuck you to the situation. Just this understanding in 9 out of 10 situations makes the tormentor back off and not fuck around with you.

What fuck you money is not

• Fuck you money is not an excuse to not woman up or man up to face difficult situations

I am not the first person to have dreamed up about fuck you money, but I see it as way to protect yourself from bad situations rather than having so much money that you just don't need to work ever again. 

Pardon my French for this piece.