F-You Money Changes Everything

Eugene Adams


Everyone’s goal should be to get F-You money.

F-You money is enough money to do whatever you want with your life. The exact dollar amount will vary, but the goal is the same.

  • Crappy boss? Quit
  • Want to move to a new city? Do it.
  • Need a vacation? Take one.
  • Is a family member sick? Get them whatever they need.
  • Want to retire? Enjoy.

F-You money might sound too good to be true, but it isn’t. All it takes is time and discipline. Follow these three steps, and you will be well on your way.

1. Pay Yourself First

The first step is to pay yourself 10% before you pay any other bill. Paying yourself first is important because it will be too easy to find excuses if you do it last.

Paying yourself first becomes a habit very quickly. Once it becomes a habit, you won’t even notice the money is gone. It is very similar to how you don’t even think about the 7.65% that comes out of every paycheck for Social Security and Medicare.

2. Spend Less Than You Make

I know this sounds super basic, but it is important to remember. Suppose you spend more than you make. You will never be able to save money and get ahead. Also, you will risk falling into consumer debt.

Interest is the key to building wealth or lack thereof. When interest works for you (i.e., investments), things are great. When interest works against you (credit cards, loans, etc.), you are swimming against the current.

This is a simple habit, but this simple habit will pay off for the rest of your life.

3. Invest

This is where F-You money is earned. Fight the urge to overcomplicate this step. Keep it simple, invest in something that pays you regularly.

  • Dividend Stocks
  • Mutual Funds/Index Funds/ ETFs
  • REITs
  • Bonds/Bond Funds

A diversified mixture of the four things above is all it takes.

That’s All it Takes

It really is that simple. Just do those 3 steps consistently over a long period of time (decades), and you will eventually have F-You money.


I know some people don’t want to wait decades to build F-You kind of money. A lot of people will want to get there faster.

Here are two steps you can take to speed things up a bit.

1. Live Like a Broke College Student

Broke college students are experts at spending as little money as possible after college. Most people transition to a more sustainable (and enjoyable) lifestyle. However, if you are serious about building wealth fast, you might want to take a page out of the old college playbook.

Taxes are absolute killers. You are taxed when you earn money (income taxes) and when you spend it (sales taxes). Because of this, saving $1 is more like saving $1.50. So live like a broke college student a bit longer and enjoy the extra savings.

Note: It doesn't have to be this dramatic. Just keep this idea in mind when it comes to how much money you spend.

2. Invest More

Investing 10% of your income will leave you set for life financially by retirement time. However, if you want financial freedom faster, you need to save and invest more.

The more you invest earlier in your life, the more compound interest will work in your favor.

Final Thought

F-You money is good even if you never say F-You. Financial security for you and your family is great.

Building wealth doesn’t need to be complicated. It just takes time and discipline.

Photo Credit: Giorgio Trovato on Unsplash

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Certified Personal Trainer/ Restaurant Reviewer. Because I believe in enjoying delicious food without sacrificing your health.

Fontana, CA

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