What Is Eff You Money?

Eff you money is the amount of savings or passive income that gives you the power to say no. No to a toxic boss, a bad relationship, or any situation that doesn't serve you. It's not about being rich — it's about having options.

Calculate Your Number

Your eff you money number depends on what level of freedom you want:

Level 1: The Emergency Fund ($10K-30K)

Enough to cover 3-6 months of expenses. This lets you quit a terrible job without panic. Most people don't even have this.

Level 2: The Gap Year ($50K-100K)

Enough to take 1-2 years off from working. Time to retrain, start a business, or just breathe. This is where real optionality begins.

Level 3: Coast FI ($200K-500K)

Enough invested that compound growth will cover your retirement, even if you never save another dollar. You still need income for current expenses, but the future pressure is gone.

Level 4: Full FI ($600K-1.5M)

The 4% rule territory. Your investments generate enough income to cover your lifestyle indefinitely. You work because you want to, not because you have to.

The Math (It's Simpler Than You Think)

Annual expenses × 25 = Your FI number

• Spend $40K/year → Need $1M
• Spend $60K/year → Need $1.5M
• Spend $80K/year → Need $2M

The fastest way to lower your number isn't earning more — it's spending less. Every $100/month you cut from expenses reduces your FI number by $30,000.

Getting Started

1. Track your actual spending for 30 days
2. Identify your top 3 non-negotiable expenses
3. Cut everything else ruthlessly
4. Automate 20%+ of income to investments
5. Revisit quarterly

The best time to start was 10 years ago. The second best time is today.