Money and more possessions may not bring you happiness.
But it can certainly make anyone’s life a lot easier. Because let’s face it, we ALL need money to survive.
But how much money would it take for you to have the privilege of telling someone f*** you if they ask you to do something you don’t want to do?
Even if you’ve never wanted to be a millionaire, extra money in your pocket can make your life:
- A whole lot simpler
- And less stressful
Plus, having a specific amount of $$$ to walk away when someone asks you to do a job you don’t want to do is a fantastic feeling.
Why? Because you only get one shot at this thing called life, and you deserve to spend however many years you have left doing something you enjoy.
Living life doing things you don’t enjoy is a life wasted.
And no one wants that.
Who Does F*** You Money Benefit?
Simply put, f*** you money benefits a lot of people. Without even realizing it, you may be one of them!
Let’s start with work.
Do you love your job, or are you just tolerating it because you need a paycheck?
If you work in a toxic environment or you have a boss that treats people poorly and doesn’t care about their employees as people, you deserve to be able to walk away.
Studies have shown that we spend a full one to two-thirds of our life at work. So do you want to spend that much of your life being miserable?
Of course, you don’t. No one does.
And few things in life are more frustrating or stressful than putting up with a miserable situation simply because you can’t afford to take advantage of Plan B.
Many people who are miserable in their careers stay put because they have a lot of time invested at the company they work for. But that’s NOT a good reason to stay.
After all, how much are your happiness and lack of stress worth? I’d say a lot!
And what about your personal life? Do you have a roommate who drives you crazy every day? A landlord that refuses to fix anything and therefore your apartment is or where you live is falling apart? Even worse, are you in an abusive relationship and can’t figure a way out?
You see, when all is said and done, f*** you $$$ is not just there to help better your career and make you happier at work.
It’s also there to help you and provides options to improve your personal life.
What If I’m Already a Happy Individual?
By now, you might be thinking, so what? I’m happy with my career and happy with my personal life, so why do I need f*** you money and more?
And the truth is people never know when things might change in their lives or when something might suddenly get turned upside down. After all, spouses leave and new bosses can wreak havoc on your life and workday.
Even if you believe that things will always stay the same, you could be wrong.
And even if you’re not, what if you want to do something that makes life more enjoyable? For instance, have you ever wanted to:
- Take six months off to write a book or do another hobby?
- Take a six-week vacation somewhere?
- Start a part-time local business for some extra
- Finally start your own online business so you can work for yourself?
If you’ve ever thought about doing something spontaneous or you have a goal in mind and you aren’t sure how to reach it, this is where f*** you $$$ can come in handy.
Studies have shown that more than 1/2 of all Americans have less than enough savings to live off for three months if they had to. And many have no savings at all.
Is that really how you want to live?
If the answer is “no,” don’t get discouraged. The amount of f*** you money that you should have in your bank account varies from person to person.
So let’s talk a little about how much f*** you money you should have and how to go about putting that much money in the bank.
How Much F*** You Money Do You Need?
When asked how much f*** you money they’d like to save up, many people respond with an extraordinary amount — for instance, $1 million.
True, that will allow you to live comfortably for a while. But, saving up $1 million is virtually impossible for most people.
Instead, it would be best if you aimed for an amount of $$$ that will allow you to achieve a specific goal for the moment without putting an undue financial burden on yourself.
See, f*** you money does not have to be enough money for you to live on for the rest of your life!
F*** you money should be enough money and more so that if you’ve had enough of your boss, or your roommate, you can tell that person “f*** you” and then move on to the next chapter of your life.
F*** you money is essentially an amount of money that allows you to put yourself first right now.
Think of it as a short-term solution to a situation you’re trying to get out of.
When you think of it like that, it’s easy to understand why you don’t need $1 million sitting in your bank or investment accounts to be able to tell someone “f*** you” should you suddenly need to.
The amount of f*** you money and more you’ll need varies.
Yes, the amount of f*** you money you should strive to save isn’t going to be the same as the person next to you.
Having said all of this, how much money should you strive to save?
For starters, you have to think about what stressful situations you deal with on a regular basis, either professionally or personally. Then, think about the worst-case scenario in this situation.
In other words:
- What if your boss suddenly fired you and it takes several months to find another job?
- What if your roommate kicks you out and you have to find a new place to live?
- If you lost your
income, how long can you survive without borrowing money from someone else?
In most cases, having enough money and more to live off for three to six months is good f*** you money. But you might want to pad it with a little extra anyway.
Go ahead and save up for f*** you money and more so you don’t have to worry about what you’d do if the worse thing you can imagine happened to you.
And remember, f*** you money isn’t meant to help you say “f*** you” to all situations. Few people can do that.
Instead, f*** you money should be enough to enable you to say “f*** you” to the stressful and negative situations in your life, one at a time.
How to Save Up F*** You Money and More
So, we’ve determined what f*** you money is used for. And by now, you probably have a good idea of how much money you’d like to put into your bank account for these situations.
Now comes the hard part: how do you do this?
Believe it or not, it isn’t as difficult as it might sound. The best thing to do is figure out (1) how much you’d like to save, and (2) what you can do to make that happen.
Let’s say that you want to save up $10,000, and you’d like to do this in a year.
I’m not suggesting this amount of money will work for everyone. It’s just an easy number to work with to demonstrate what we’re talking about.
Ten thousand dollars works out to:
- $192.31 per week
- Or $27.40 per day
When you break it down like this, it doesn’t sound so overwhelming.
Taking an entire year to save up your f*** you money isn’t bad. Especially when you consider that it might be years before you feel the need to use it.
And this brings us to another important point: you should definitely plan to use your f*** you money. Don’t think of this money as money in your retirement account or money you shouldn’t use unless it’s a dire emergency.
After all, what good is having f*** you money if you never plan to use it?
Back to how to best save up enough money so your dream of having f*** you money becomes a reality. It would help if you first thought long and hard about how much money you waste every day.
Yes, you do waste money and more. Everyone does.
Do you realize that going to Starbucks or the drive-thru for food every day can deplete your bank account in no time? Eating lunch out every day can cost you a fortune.
So let’s talk about the most obvious way to make some extra money: getting a second job.
Think of saving up your f*** money — and the things that you need to do to make it happen — as temporary or short-term. This makes your sacrifices in the short term a lot easier to make.
But it would help if you made a plan. And if you don’t want a second job, find alternatives. But once you decide on something, stick to it.
And think of saving up your f*** you money as being possible with a few short-term goals. Instead of the long-term plan of taking years to save up the money and more.
When you do that, the f*** you money you desire will be in your bank account before you know it.