You Don’t Need Wealth. All You Need Is Fuck You Money.

Mo’ money mo’ problems. While Biggie and Diddy tried their best to explain the struggles of being rich, they weren’t doing too bad for themselves at the time. However, you don’t have to be a hip-hop superstar to free yourself financially. All you need is a bit of fuck you money to completely change your life and eradicate the overwhelming stress of financial instability. 

Please note that this doesn’t mean you get to throw wild parties on yachts and go crazy with the spending. It merely allows you not to feel pressured to work where you don’t want to and say “fuck you” to bosses or clients without any financial consequence.

What Is Fuck You Money?

Continuing with our outdated hip-hop references, Kanye West sang, “Wait till I get my money right, then you can’t tell me nothing, right?” perfectly encapsulates the term’s meaning. We rely on urban slang and vocabulary to define it since it is a tad bit too informal for the Oxford Dictionary, though the Urban Dictionary has a few great explanations. According to one fuck you money definition, the term refers to having enough money to be able to say fuck you to anybody on the planet.

In other words, creating a financial nest egg big enough to allow you to only do what you actually want to. Most people hate their jobs, but they still show up at work every day. FU money should be enough for them to quit and don’t feel any financial backlash because of it. At first, this may seem impossible, though plenty of people were able to achieve financial freedom by changing some of their spending habits and investing their efforts the right way. We will touch up on that later.

How Much Money Is Fuck You Money?

There is no one-size-fits-all answer to this question. There are simply too many variables to consider, like your goals, your age, your location, etc. However, lucky for you, there is an elegant solution that will allow you to find the exact amount while taking all of these factors into consideration.

This is the fuck you money formula:

• Add up all of your annual expenditures, from toilet paper to summer vacation cocktails.
• Add another 10% to that amount just to make sure.
• Multiply this sum by the number of years you want to be financially free.
• Add 2% to the total amount to account for inflation.

And that’s it. You don’t need a FU money calculator or a financial advisor telling you how much you spend and how much you should save. You know your habits best, and you know what silly purchases you can live without. This is why some people may need millions, and others may only need a few hundred thousand dollars in their FU fund to feel financially liberated.

That being said, before you get to say fuck you to your boss, you may have to say fuck you to consumerism first, which actually might make you feel even more liberated. Credit cards are like kryptonite to financial freedom, so you may have to adjust.

How to Make Fuck You Money

The basic principle of business is to increase your profits; you need to increase your revenues or reduce your costs. The basic principle of financial freedom is doing them both simultaneously. Let’s say you have about a million dollars in savings. How you are going to use them is going to make the difference between what is considered fuck you money and irrational spending.

If you keep purchasing needlessly expensive luxury items, you will blow it within a year and go back to working for a living in no time. But if you only spend your interest rates and invest your capital wisely, you are one step closer to being financially independent.

Instead of asking how much FU money do you need, the question now becomes how much money you waste every month. Do a quick financial audit and see for yourself. Cancel all the streaming service and gym subscriptions you hardly ever use, and you’ve already saved about a thousand dollars this year. Find more unnecessary expenses and get rid of them as well and remember, if you have to buy something on a credit card, you can’t afford it.

Now, you may not have a million in savings, in which case you would be asking how to get fuck you money. This means it is time for you to start hustlin’. Side hustles are easy jobs that can increase your monthly revenue by about a thousand dollars while allowing you to maintain your 9 to 5 work. Depending on your skills, it can be anything from babysitting to mowing lawns or from driving an Uber to selling gigs on a freelance website. Anything that can contribute to increasing your fuck you money stash.

One of the best ways to earn extra money while keeping a day-to-day job is by creating a passive income source. Side hustles like affiliate marketing, dropshipping, and selling digital goods can be very lucrative when you know what you’re doing. And the best part about them is they don’t take more than an hour of your time every day once they get going.

Best Way to Invest Money to Not Work

Once you start earning some extra cash through your side hustles, it is time to decide where you will invest it. This is your fuck you capital, and it is the money that will help you reach the figure you previously calculated using the FU money formula. Without any investments, reaching this financial goal is going to take you way too long, and what good is FU money if you are too old to say FU to anyone.

Once again, depending on your skills and areas of expertise, you can flip houses or invest in cryptocurrencies or other digital assets. Alternatively, you can enhance your passive income business by sponsoring content or investing in SEO services to boost your revenues.

The return on your investments will contribute to your fuck you fund and allow it to grow even quicker than before. Of course, with all the new money you will be earning, you will be tempted to start spending silly again. It is important to resist that urge and remember your goal of financial liberty. Keep doing what you’re doing, and you will get there in a few years.

Fuck You Money — The Bottom Line

In summary, you don’t need extreme wealth to achieve financial liberty. You just need to ensure you are earning as much as possible and not wasting any of it. Before you get to tell your boss to fuck off, you need to say it to your irresponsible spending habits. The importance of FU money is not about being able to buy anything you want. Quite the contrary, being financially free means being free from feeling obligated to drive a fancy car or live in the fanciest neighborhood while still enjoying your life without any financial stress.