It’s Not About How Much Money You Save, It’s About How Much Mental Energy You Spend

Photo by Katie Harp on Unsplash

I don’t usually write about money, but there’s a trend that I couldn’t help but disagree with.

If you want to save money, you’ve got to spend less.

It makes sense. It’s clever, it’s helpful, and it’s the kind of counterproductive advice that has the potential to make a lot of people miserable.

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What’s The Point of Having F#ck You Money?

You get up two and a half million dollars, any asshole in the world knows what to do: you get a house with a 25 year roof, an indestructible Jap-economy shitbox, you put the rest into the system at three to five percent to pay your taxes and that’s your base, get me? That’s your fortress of fucking solitude. That puts you, for the rest of your life, at a level of fuck you. Somebody wants you to do something, fuck you. Boss pisses you off, fuck you! Own your house. Have a couple bucks in the bank. Don’t drink. That’s all I have to say to anybody on any social level.

John Goodman, The Gambler

Defined by some as being consumer-debt free and having at enough money in the bank to last you for at least six months with no money coming it, the notion of f#ck you money sounds quite appealing.

But why?

What’s the point of having f#ck you money? Well, besides the obvious, that you can say f#ck you whenever you feel like it, for any reason at all, there are a couple of added benefits to reaching this level of financial independence.

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