Being Able To Say “Fuck You” Is The Ultimate Financial Luxury

I’m a basically upstanding citizen. I pay my taxes, vote, and yield to pedestrians. I wait patiently in lines, give up my seat to pregnant women on the bus, and recycle. I pretty much go with the flow, follow the rules, avoid rocking the boat.

But deep down, beneath the compliant, docile persona most people see most of the time, is a fierce anti-establishment streak. I question authority, challenge the status quo. I’m relentlessly skeptical of authority and have deeply held convictions, some of which are considered downright radical. Case-in-point: I have a very large tattoo of a controversial political symbol on the side of my torso. That’s a lifetime commitment to immoderate politics, folks. But don’t get me wrong: most people never know that they’re encountering my oppositional side, if they encounter it at all. I tell The Man where to stick it, I just do it quietly, below most peoples’ radars.

It occurred to me recently that perhaps my interest in straightening out my finances is actually a manifestation of my desire to be able to basically say “fuck you” to people or institutions if I truly feel the need to. In fact, I think that being able to say “fuck you” is the ultimate financial luxury. Think about it: if you have no debt and a fat savings account, you can say “fuck you” to:

A boss who asks you to compromise your values

A husband/wife who’s making you miserable

A landlord who’s shirking her responsibilities

A car that’s giving you grief

Any person or situation that you feel is taking advantage of you or sucking up your time, energy, or happiness

Our finances can trap us in situations or tie us to people that we loathe because we don’t have the money to walk away or get out. Or, they can give us the ability to say “fuck you,” cut our losses, and move on.

I think, when I really boil down my whole motivation for paring down my debt and building up my savings and investments, what I really want is not necessarily to be a millionaire. I don’t want to own a million properties or expensive jewelry or take a tropical vacation every year. What I want is the ability to say “fuck you” whenever I need to. I don’t want to feel boxed in by a maxed out credit card and an empty savings account. I want to stand up for myself, to be able to act swiftly and meaningfully if I’m being made go along with something I don’t agree with or am in a situation which is causing me unhappiness. I want, in a really tangible way, to feel empowered by my finances instead of controlled.

Because I do have that streak, that “fuck you” streak. What about you? 

Image credit:


Being Able To Say “Fuck You” Is The Ultimate Financial Luxury — 15 Comments

  1. I right there with you….I have my emergency fund and then I have an FU fund (most people label it freedome fund, or something of the sort, but mine is labeled in my ING account FU fund). I need the freedom to say FU if i need to (and I have).

  2. Hi,

    I’m the pain in the ass who argued with you several posts ago about your pension :) (I’m sorry about that! I really hope you didn’t take it personally).

    Anyway, so, I read this post and burst into melodrama girl tears. Because I am a teacher, too. And I am currently doing the FUCK YOU. (Yes, I know, I know. A teacher? Doing this? Also, figuratively, not literally.) But 3 years ago, I couldn’t have IMAGINED a time when I would be able to do this–nor could I imagine I’d be in a situation bad enough to warrant it. But now? I can. It’s still the scariest thing ever, but the money is in the bank, the expenses are hacked to the bare minimum, and I can do it.

    It’s amazing. More amazing than making the last debt payment.

    Happy to tell you the story via email if you want more details–I’m leaving you with an anonymous old email to protect my identity for obvious reasons. Seriously, keep scraping together the fuck you fund, because it is literally life-changing.

  3. To be honest, if pressed, I would say it no matter my situation. I would not ruin my life for the sake of money and all of the potentials you listed could very easily make life completely miserable.

  4. I find this really interesting especially as you essentially work in public service.

    Personally I value financial independence because it gives you options (as you say, in regards to the house you rent, the car you drive, the job you have) but I haven’t really thought about it in this particular context – though I like it.

  5. You know, I never really thought about it like this… But you’re right! I was able to give a giant FUCK YOU to my career, and it was amazing. I’d love to be able to do it more often. Fantastic post!

  6. I’m amazed, I must say. Rarely do I come across a blog that’s both educative and interesting, and without a doubt, you’ve hit the nail on the head.
    The problem is an issue that too few men and women are speaking intelligently about.
    I am very happy that I stumbled across this during my search for something regarding this.

  7. Undeniably imagine that that you stated. Your favorite justification appeared to
    be on the web the easiest factor to be mindful of.
    I say to you, I certainly get irked at the same time as people consider concerns
    that they plainly do not recognize about. You controlled to
    hit the nail upon the top as smartly as defined
    out the whole thing with no need side effect
    , folks can take a signal. Will likely be again to
    get more. Thank you

  8. Fantastic blog! Do you have any suggestions for aspiring writers?
    I’m planning to start my own website soon but I’m a little lost on everything.

    Would you suggest starting with a free platform like WordPress or go for a paid option?
    There are so many choices out there that I’m totally confused ..
    Any recommendations? Bless you!

  9. Hi are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started
    and set up my own. Do you require any html coding expertise to make
    your own blog? Any help would be greatly appreciated!

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>