The difference between FU money and FU, money!

35 thoughts on “The difference between FU money and FU, money!”

  1. LMAO! Great post Steve. A great way to start my Wednesday. It’s a shame to think so many people fall into the F Me, money bucket. We are finding our way in the FU money category. We would certainly want to reach the FU, money level but have some shorter term goals to knock out first like making sure our three children get off to good starts.

    1. Hehe, thanks Brian, appreciate the comment. This was a fun one to write, for sure. 🙂 And it definitely sounds like your priorities are right. Family first, always.

  2. I’d say we’re in the FU money category in that we have enough saved we could live for a time without working. If we were strong enough in the FU, Money category, we could even go the rest of our lives possibly, without working. I don’t think either of us are ready to cut that drastically into our lifestyle quite yet though. So, that puts us back in the FU money category I guess.

    If the right opportunity came along, we could definitely walk away from our current positions and pursue it, even though it would be a drastically reduced salary. We also don’t believe the hype with needing the latest greatest newest biggest, fanciest car/house/clothes/etc…

    Man did I ever fit that F Me category in my younger days. Especially when I saw that I could get a nice paying job after grad school, I started living like I made more than a grad student makes, and it racked up pretty quickly. I shudder now just thinking about it. Glad I got out of that trap and mindset and am fortunate to be where I am today.

    1. We are pretty much like you guys, Mr. SSC – we could do it, but don’t want to yet due to the lifestyle that we’d like to maintain post-retirement. But, the FU money is definitely there…if need be. 🙂

  3. Totally awesome post Steve. Too many people fall under the F ME, money, unfortunately. More financial education would certainly help in that respect.

  4. How one comma can make a small difference!

    We are not yet in the “FU, money” territory. We have a plan to get there.

    We do have FU money that one day might allow us to go part time, travel the word for a year, start a bussines… And that is a great feeling already

    1. You’re darn right it’s a great feeling – in fact, just having FU money is a great feeling, too. It means you’re doing a LOT right and you are already ahead of the large majority of people out there in the 1st world.

  5. I consider “FU, money” to be an attitude, not a number. It’s the attitude that lets you get from the chaos of “F Me, money” to “FU money” – when money doesn’t control your life, but you control it and put it to work towards those goals that matter most to you.

    Most equate it with a certain lifestyle. But I equate it with a certain personality type and way of approaching life.

    1. There is a lot of attitude at play here – no doubt about that. With the right approach, going from FU Money over to FU, Money need not require a ton of additional cash. Instead, how bad do you want it?

  6. I feel like I spend a lot of my life with F Me Money. Not because we’re living paycheck to paycheck exactly, but because we’re constantly putting out some fire that keeps me from putting away as much money as I’d like. As since we’re behind on saving for retirement, building up savings, paying more on our mortgage… Each time something comes up, I just think Fuuuuuuck me, not again!

    1. Completely understand, Abigail. Everybody’s circumstances are different, and it certainly can seem like one step forward, two steps back. But eventually…eventually. 🙂

  7. We are squarely in the “FU, money” category now Steve. It is completely new ground for us and we still are navigating through this financial experience. It has only been a couple months and it will take some time to find the new normal.

    My life has seen this progression from the “F ME Money” stage where I had to work to make all our payments and pay for our lifestyle. That was my least favorite stage. The “FU Money” stage we reached a couple years ago when our passive income could sustain us for the rest of our lives. The last stage we are in now is “FU, money” and we are simply building some huge reserves, saving for the bucket list, and having money to fund future purchases. I think that at the most we are less than a year from leaving our employers.

    1. That’s awesome, Bryan! I know you have some passive income real estate ventures that are kicking butt for you, which is fantastic. Achieving FU, Money status is my next order of business. We aren’t far off! 🙂

  8. You rang? 🙂 One day I hope to add that comma! Hell, just having FU Money would be nice for starters. One day, one day…

    Very entertaining post! It very much defines most typical FIers, retirees and consumer suckers (suckas?)… and the first step towards becoming sensible, as you say, is to stop fucking yourself over.

    1. Hehe, yup, I rang good sir. And well said, the first step to becoming sensible is to stop fucking yourself over – over and over again. 🙂

  9. So. Awesome! I love that your pen is gracefully poised to make the comma :-). I would say we are very close to the FU Money stage. We have a lot of money in cash and assets and are starting to have a couple small passive income streams. But we have some low interest rate student loan debt still lingering (will be gone within the next 2-3 months though!). I think we are getting there. Great post!!

    1. Thanks Dee! Passive income streams are amazing things, aren’t they? That is one area that I need to work on improving myself. Our main one at the moment is capital gains from investments, but as we all know, those aren’t guaranteed! 🙂

      1. Do I understand this properly? I have never used QB extensively. I have worked in public accounting for over 20 years and have always used another software program. I am preparing myself to buy QB 2010 but if I cannot e-mail financial data back and forth with my clients, is the purchase worth it?

    1. Congrats on making money your bitch and retiring this year. Yeah, what a year to retire…but if this didn’t make you blink much, I think you have exactly the right attitude to see this through!

  10. This is great. A mix of expletives and grammatical tips and tricks – you don’t see that very often 😉 The hubs and I are just barely in the FU Money category and not even close to choosing the type of pen we want to use to make that comma. But congrats to you for being so close to the next level! Can’t wait to see where your FU Money takes you and thanks for the fun read!

    1. Hehe, thanks Mrs. FI. I love including expletives into my writing for something a little different than the normal blog post you might read. They add dynamic. 🙂

      Thanks for reading!

  11. I love the comma! We are also in the FU money category, which was especially helpful when my husbands old company said FU to him (and many others) with layoffs 2 years ago. But I had never before thought about how that statement changes drastically when you add the comma and hope to someday be making that grammatical change to our situation as well.

    1. You and me both, SFF! Commas are good people, especially when they mean our money is no longer a concern for us. Good grammar is always something positive to strive for, yes? 😉

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