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"F*ck You" Money

"F*ck You" Money



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Money can’t buy happiness, but the absence of money can cause unhappiness.

Money buys freedom: intellectual freedom, freedom to choose who you vote for, to choose what you want to do professionally.

What We Believe Is F-U Money

We tend to picture "f*ck you" money as a minimum hurdle. What's your "f*ck you" money amount?

$100K? 1M? $5M? $100M? Everybody has a different answer.

"F*ck you" money, in our heads, is a singular point. Once we cross it, life's problems melt away. When you have X amount of money, you...

What F-U Money Really Is

The reality isn't filled with straight lines that we can extrapolate forever. Reality is messy, full of nuance. 

The reality of "f*ck you" money isn't a singular point to cross, but a range to stay between. A dollar too much, and you descend back below that threshold. The formula is reverse...

Being Poor Sucks

  • A small increase in wealth leads to a massive increase in happiness when you have little, and massive increases in wealth hardly move the bar as net worth increases.
  • Poverty puts your destiny in the hand of circumstances that you often have no control over because poverty doesn't all...

 As your income grows, outside circumstances lose their grip on your life. If you have $50,000 saved up, you can weather seven months of unemployment, afford to repair your truck's transmission, and cover emergency medical expenses.

If you have $50,000 saved up, you can quit your job and ta...

Being (Too) Rich Can Also Suck

Did billions of dollars make Elon Musk miserable? Did Warren Buffett, Bill Gates, and Jeff Bezos suffer failed marriages because of their $100B net worths? Not necessarily. However, the traits that made them so successful both financially and professionally have also made the other aspect...

No One Can Have It All: Understanding Opportunity Costs

Life is defined by opportunity costs. The opportunity cost of reaching the pinnacle of professional success is often a lacklustre family life. It's not necessarily that money destroys relationships, but the dedicated effort needed to achieve this success comes at the expense of other (often famil...

The Loss Of Freedom And Genuine Relationships

Past a certain point, freedom of speech is a casualty of personal success.

Money affects the dynamics of one's interpersonal relationships as well:

  • When you are rich, new "friends" that seem genuine pitch you investment ideas four months into the "friendship".

More Money More Problems

If you are "publicly rich" (think athletes, authors, movie stars, politicians, etc.), you no longer have a private life. Everyone wants a piece of the public figure, for better or worse.

If you are "privately rich", you still run the risk of sacrificing other areas of your life for the sake...

After a certain point, your inflating financial assets become toxic liabilities.

The ultra-rich, like the impoverished, find that their decision-making processes are largely dictated by circumstances outside of their control.

A lack of money makes you a slave to your wages. To...

The Meaning Of F-U Money

F*ck you" money is pure, unadulterated freedom with no strings attached.

  • "f*ck you" money means you can do whatever you want. 
  • "f*ck you" money allows you to travel wherever you want, whenever you want. 
  • It means not having to check your bank account be...

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