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The F-You Money Calculator

THE DEFINITION: "F-You Money" is the amount of savings required to walk away from a job, a boss, or a situation you hate, without having another job lined up. It is the currency of freedom.

Most people are trapped. They tolerate abuse because they live paycheck to paycheck. When you have 6 to 12 months of expenses in the bank, the power dynamic shifts. You stop negotiating from fear and start negotiating from power.

// FREEDOM AUDIT INTERFACE
RUNWAY AVAILABLE:
0 MONTHS

The 3 Levels of Freedom

Money buys options. Here is the ladder you must climb:

  • Level 1: F-You Fund (6 Months). You can quit today and relax for half a year.
  • Level 2: The Runway (2 Years). You can quit and build a business from scratch.
  • Level 3: FIRE (Forever). You never have to work again. (See the Freedom Number).

Tactical FAQ

Should I quit without a plan?

Only if your mental health is in critical danger (see the Burnout Thermometer). Otherwise, use your F-You Money as leverage to negotiate better hours or pay.

Where should I keep this money?

High-Yield Savings Accounts (HYSA). It must be liquid. Do not lock F-You Money in stocks or real estate where you cannot sell it instantly.

Is your runway rotting due to inflation?

>> CHECK THE INFLATION DECAY ENGINE