Fuck You money and how to use it

Office politics, no appreciation for what you do and no more challenge in your job? Want to get out? Make sure you have money, ideally lots of money. Here is to Fuck You money and how to use it.

And now there are two…

Mrs CF liked her work for a long time. She’s also been very loyal to the company for years now. Despite working her butt off and making decent progress in organising her department and operational systems, office politics started to face it’s ugly head. Also appreciation for all her hard work was “limited” to make an understatement. She was no longer going to work with a smile. So what to do? Well, she quit! That make two of us now πŸ™‚ It’s going to be a good summer!

Fuck you money = peace of mind

There is only a slight problem. We are not financially independent, at least not in this country and at the level of expenses we would like to be. So at least one of us still needs to have a (part-time) job to cover the difference between the expenses and our passive income (well, plus some to get us to full FI eventually). We probably could get away with 1 or 2 days per week, albeit there are few jobs in any jobs in our line of work that would cater to this.

However, that’s not a problem at all. Because it’s okay to keep working (3, 4, or even 5 days per week!) if you like it. Even if you are FI, you can still have a job too (am I at risk here of rebuttal by the retirement police?). So that is why we will both be looking to see if we can find that dream job. First one that finds it, gets to work it πŸ˜‰

Hooray for Fuck You money!

How much F-you money do you need?

Our dear Mr. Collins was the one of the folks to introduce “F-you money” to the big crowd in a fun way, and he told us why we need it. He also noted that the amount of F-you money not necessarily the same as your FIRE amount. I tend to agree with this. I think the amount of F-you money can be a lot less than you FIRE number!

Personally I would feel comfortable knowing I have at least 1-2 years in money in cash (or investments that easily liquidate). I feel that this would give us more than enough time to find new work if we need to. If I’d be younger, had lower monthly expenses and would be more flexible in life options, I’d probably be fine with just 3-6 months in cash. So I pretty much consider my emergency fund also as my F-you money. I did meet some entrepreneurs that had about €0 in F-you money, but that’s a bit too risky for my taste (that’s also why I suck at being an entrepreneur!)

Dividends Rain On Me
F-you money = enough for a rainy day!

How much do you need? The amount you feel comfortable with to survive on for long enough to find new work/income. There is no right or wrong answer here! Just personal preferences. That being said, if you hit your FIRE number, that is the ultimate F-you money amount obviously!

How to use FU money

It’s really easy to use F-you money, just walk up to your boss and till him/her that he/she will have to do without you for an indefinite period of time. You don’t even need a new job before you say it to him/her. You just need to be comfortable that you can survive on your F-you amount long enough to find another job or source of income.

F-you money can also be used to fund a mini-retirement or sabbatical. Or just to have some time for yourself (part-time work?) and enjoy the better things in life (such as time and a beer!). Whatever it is, make sure you use it if you need to! Don’t strive for FIRE by being in a rat race to the finishline, make sure you enjoy the ride!

Now, either get that F-you money if you don’t feel you have enough, or go use it if you do! Life is great, make sure you experience it too.


  1. Hey CF…

    Looking forward to breakfast with you and Mrs. CF later in the week.

    Meanwhile, thanks for the links and a great post on one of my favorite things…

    F-You$$$$ πŸ™‚


    1. Thanks for the great time in Amsterdam! It was a pleasure meeting you.
      Next time we meet we should chat some more about F-you$ πŸ™‚

  2. Hi Team CF
    I love the concept of F… Money, just to be in a position financially to say NO when things go in the wrong direction and having the possibility to quit our jobs without fear of putting our financial well-being at risk. Having cash on the side covering at least one annual spending budget and an investment portfolio churning out fresh cash each month
    has been enough to feel that confidence. And it made our lives so much easier and more enjoyable.

  3. F-U money, never heard about that. It’s good for taking a sabatical year or two from you job. After that, you have to figure out something new unless you are financially independent already! But a year or two off from work is like mini retirement even if you go back to work-life for many years. It can give you a sense of what it is to be free πŸ™‚

    1. Never heard of FU money? You really have to watch he video of “the godfather” of index investing πŸ˜‰

      But points well made! And it’s great, I can tell you that to have freedom and little stress πŸ™‚

  4. I can totally relate to Mrs CF getting fed-up with corporate politics and the like, been there myself ;-). Congratulations to her for NOT sticking it out too long. Sadly a lot of people feel they have to because they’ve not built that nice little heap of FU-Money in time (in those type of positions that’s rarely due to lack of disposable income) .

    Enjoy the time together

  5. Nice going, congratulations!
    I take 12 months as an emergency fund to sleep well, but I have not seen it as f-you money yet.
    Like said above, it also helps me in looking differently to my job, steering/saying things that I might have done more carefully without the money.

    Good luck in finding your new job!

  6. Haha I never heard of this concept but I love it! Congrats to both of you for having enough F-money to go without work (for now). Let’s see who will find that mystical dream job first, though I can imagine you’re both not in a hurry πŸ˜‰

  7. What a big step. A great one though.

    I’ve noticed over the last couple of years that with every bit of money I invest I also feel more freedom towards my job. It has made me approach my job with a lot more ease as well, because I don’t feel I need it anymore to survive. So I can relate!

    Have fun this summer

  8. I agree that the capability to avoid unpleasant experiences at work is perhaps the best reason for the Financial Independence.

    Good luck, I am sure you have the details under control. Please keep us posted from time to time πŸ™‚

    By the way, now that you both have more time, you may consider to write a book. You could get some diversified income, and after writting it, it would be quite passive πŸ™‚ Just collect your posts, tell your story, fill some missing gaps, and upload to a on-demand publishing web.

    Best wishes!

    1. Hahaha, a book, eh nope, sorry. Writing is not our favorite hobby, so small chance of that happening. But we do like to talk about it, still need to check if we can make it to Spain!

  9. Great decision to stop working if you don’t like going there. It’s an interesting topic, how much money would you like to have to temporarily quit your job, instead of retiring. I wish the two of you a great summer and good luck figuring out what’s next!


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