Valentine’s Day is all about love, right? Well, this year, I’m throwing in something a little controversial. Not because I’m anti-love (trust me, I’m not), but because sometimes you’ve got to shake things up and talk about things that aren’t all roses and chocolates like taking control of your finances. Enter: The F*** You Fund.
Yes, you read that right. No need to be shy about it. This is a fund that could change your life—your financial life, at least. And no, it’s not just for rainy days. It’s about having the freedom to live life on your own terms, without being trapped by toxic situations.
But what is it, exactly?
A “F*** You Fund” is a financial safety net. It’s the cash you stash away that gives you the freedom to walk away from any situation that no longer serves you. Whether it’s a dead-end job with a nightmare boss, a relationship that’s draining your soul, or anything else that leaves you feeling stuck, a F*** You Fund provides the option to say, “I’m done,” without the added stress of financial uncertainty.
You can think of it as your escape hatch. The cushion that helps you make decisions based on what’s best for YOU, not because you’re afraid of the financial fallout.
So, why should you have one?
Simple. Life isn’t always smooth sailing. Things happen. Jobs change, relationships end, the world keeps throwing curveballs your way. And sometimes, the only way to take control of your life is by having the option to walk away from the situations that hold you back.
Having a F*** You Fund means you’re not relying on someone else’s approval or pay check to make decisions. You’ve got your own backup plan. You can stand up for yourself in a way that feels empowering, not out of desperation. You’re taking control of your own finances.
Imagine being able to quit a toxic job because you know you’re covered for at least six months of living expenses. Or ending a relationship that’s no longer working because you don’t have to worry about your financial stability. How liberating would that be?
How much should you have in your F*** You Fund?
Good question. You’ll need at least six months’ worth of living expenses tucked away. This isn’t just about paying your rent or mortgage; it’s about covering everything you need to live comfortably while you figure out your next steps. The goal is to have enough so that you can step away from a bad situation without instantly jumping into another one out of financial necessity.
Some people might aim for more. A year’s worth of expenses, for example, if you want extra peace of mind. But the key is having enough to buy yourself time and options.
How do you build your F*** You Fund?
Like anything, it’s going to take time. But it’s worth it. Start by setting a savings goal based on your monthly living expenses. From there, break it down into achievable monthly savings targets. Even small amounts add up over time.
Look for places to cut back and funnel that money into your F*** You Fund. The goal is consistency. And once you hit your target, you’ll know you’ve set yourself up for the kind of freedom that most people only dream about.
What happens when you have one?
When you’ve built your F*** You Fund, life feels different. You start making choices that align with your values, not out of fear. You can negotiate a better salary or ask for more responsibility at work because you know you won’t tolerate being undervalued. You can leave unhealthy relationships without worrying about how you’ll pay the bills. You have the freedom to say ‘no’ to things that aren’t right for you.
At the end of the day, it’s not just about money; it’s about empowerment. It’s about feeling confident that you can handle whatever life throws at you and make decisions based on what’s best for you—not just what’s convenient.
Ready to take control of your finances?
Building a F*** You Fund isn’t an overnight process, but every step you take towards it brings more freedom and peace of mind. Start small, stay consistent, and watch your financial independence grow. Remember, it’s not just about having money—it’s about having options. So, take charge of your future, and create the space you need to live on your own terms.
So what next?
If you’re thinking about improving your financial freedom and taking control of your finances, but you’re not sure where to start or you’d like help, I’d love to hear from you. Drop me an email or head over to our Instagram for our latest news and tips.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Emily Mays / Founder