Live as a free man and make “fuck you money” an absolute MUST in YOUR life.
Whether YOU are an actual employee OR perhaps a proud new business owner…
Consider your hair on fire until you have at least one year’s worth of living expenses cash in the bank.
Rise above the daily necessity to trade your time for money… and LIVE each day with a completely new sense of FREEDOM and the pride of self-determination.
Think about it for a quick short moment.
Exactly how long would your savings actually last… if YOU somehow lost your job literally tomorrow?
As a business owner or a self-employed professional, Precisely how long would YOU actually survive if you lost your top client?
Or what kind of financial hole would YOU immediately dig for yourself… if you went an extended period of time WITHOUT receiving a salary?
Discover the peace of mind that will accompany the cold hard fact…
That YOU could go a complete full whole year WITHOUT earning a single dollar… And STILL pay your bills and PURCHASE whatever the fuck that YOU want every single day.
If you have some dependents that truly actually rely on your income for survival…
Then double your standing and consider yourself a superior man of ALL of your foresight and intelligent preparedness.
This is YOU standing tall and this is YOU living as a man actually REALLY should.
For you are NOW…
No longer a slave to your employer or business, but a 100% totally complete FREE MAN fully in charge of his whole ENTIRE life.
YOU are NOW a man with a whole bunch of different options.
And a man with options who actually REALLY lives on a completely MUCH higher plane.
Wake up early each morning… With the energy and total confidence that comes from a VERY strong measure of complete total absolute financial security.
Handle the day’s challenges at work with BOTH composure and by ALWAYS remaining totally calm.
Endure each of your superiors with a complete whole BRAND NEW resilience.
Comport yourself with the absolute coolness of outcome independence.
And THEN continue your steady march toward the eventual goal… of true REAL financial independence.
You will begin with the enviable position of being able to say FUCK YOU to your employer…
If you ever REALLY needed to and THEN simply continue the process toward NEVER having to work just to merely GET PAID again.
The Numerator—One Year’s Living Expenses
A man MUST flat out absolute know…
EXACTLY where he spends his money and EXACTLY what his bare bone expenses would be if he wanted to be able to survive for a complete whole ENTIRE full year.
This is the EXACT starting point to YOU finally achieving Fuck You Money.
Go fully electronic and track literally ALL of your expenses.
Use an application such as Quicken, Mint.com or YouNeedABudget.com to download every expense for the last 12 months from your bank account and credit cards.
Each expenditure will be categorized and will then allow for a realistic look at where your money was spent by category.
If you withdrew and spent cash, create an expense category called “cash” and then immediately begin to track that as well.
From here on out…
You can take the time to create a lean, but extremely survivable budget… for a full whole year WITHOUT receiving ANY sort of pay.
This is definitely NOT how you spend your money RIGHT NOW, but as you would with literally zero income.
And there you have it, your target one year fuck you number.
This number will also serve as the numerator… in YOUR gold plated formula for true financial independence.
Go Minimalist
Execute the blockbuster trade of your life RIGHT NOW.
Trade the typical superficial and material Western existence for a life of freedom by embracing minimalism.
Take whatever flak you need to, but set your woman straight pull the trigger and simply get started.
When you come out completely on the other side… it will definitely ALL be worth it.
In the end… it is ultimately your responsibility, your health and your well-being on the line.
And a man will ALWAYS… benefit those he actually cares about the most… by taking proper care of himself.
In today’s world, this definitely includes developing a deliberate financial framework and accruing the intangible financial benefits… from actually doing so.
Adjust YOUR financial overhead and lifestyle so that YOU can receive… TONS of cash flow every single month.
Restructure your life so that YOU can live off of 50% of your salary or a single income in a two income household.
Build up YOUR fuck you savings… Literally as fast as YOU possibly can.
Eventually with YOUR fuck you money in hand AND a true path to actual financial independence set in stone…
There will NEVER ever be literally any regret.
Even your woman will eventually realize the EXACT same thing.
Get A Side Hustle
If going minimalist doesn’t get you to where you need to go fast enough… then consider immediately getting a side hustle.
Plant the seed of freedom firmly in your mind… and YOU will eventually find a way.
You can do more.
A real man with the proper motivation should already HAVE immense inherent capacity.
Find your motivation and MOST importantly… keep your purpose.
Know deep down why truly being free matters to you… and you will find the energy and TIME to add the necessary incremental income.
Become fed up with living as a slave to YOUR wages.
There is literally NO REASON to live as such in the current modern western society.
Despite the constant encroachment of government we still live with immense opportunity and tremendous freedom of choice compared to ALL of history.
Why NOT add some incremental effort and eventually LIVE as a truly free man?
If you are already tired after work then think of it this way: you MIGHT as well get paid for it.
What are you going to miss, a few television shows?
Eat right, lose some weight, and most importantly quit drinking.
You will develop the endurance and make it a VERY SIMPLE way of life.
Find something that interests you or perhaps even just SOMETHING that is simple and easy; whatever works.
If you are a man with a top notch work ethic and good character, eventually you will meet others of the same value system and the good paying work will find you.
Explain to your woman why a few nights a week or time away on the weekends is necessary.
Fill her in on your plans and she will take pride in you as a man distinguishing himself and executing each day as the tip of the spear for his loved ones.
You will still have plenty of quality time for your woman and family.
Quit lying on the couch, watching other men play sports and immediately get to work.
Kill ALL of Your Debt
Once you have your one year of fuck you money, put out the second fire in your hair and go all out to kill your consumer debt.
Yes that is correct, fuck you money FIRST and then any balances you carry in revolving credit NEXT.
For me, it is survival first and then finesse second.
Since you’ve been able to save a year’s worth of living expenses, you can certainly continue and rid yourself of the life stealing nature of consumer debt.
Get this done in a hurry; a mortgage, and perhaps a car payment for now, are certainly acceptable.
But if you are stuck in the cycle of minimum payments on credit, you are literally trading your life for what was a temporary material or fleeting gratification.
This is no life for a real man.
Make the commitment to pay off everything.
You will unburden your soul, lower the magic number for a year of financial survival and then eventually add to your monthly cash flow.
And this gentlemen, is when the ride gets good.
You are now on your way to financial independence and you now have the formula; it is a simple fractional formula and one for which you already have the numerator.
Next up is the denominator for that formula.
The Denominator — 4%
The 4% denominator is a rule of thumb based on long term investment in the United States stock market, which will allow for a near certainty of 30 years of specified withdrawals adjusted for inflation without running out of funds.
Take your one year living expense figure (the numerator) and divide it by 4% (the denominator).
Perhaps a simpler way to look at it is to multiply your yearly expense figure by 25.
And this is your magic number for financial independence.
These are the funds that you will need invested in an appropriate mix of stocks and bonds that you can draw from for the rest of your life.
For example, up here in western New York a man with no debt, no car payments and no mortgage can live pretty well off of $40,000 per year—especially if he is committed to a minimalist lifestyle.
Plugging $40,000 into the elementary school math formulas above yields $1,000,000.
Is the 4% Rule a guarantee?
Of course not, but then there is nothing to stop you from pushing beyond the target savings figure or supplementing your income if necessary.
Bottom line is you now have a reasonable target to shoot for.
And this is a goal that is attainable to every man who is gainfully employed over his lifetime.
How quickly you get there depends on how hard you hit the throttle and pursue it.
Adjust your financial overhead and spending habits so that you can add to your net worth every single month.
Make every day at work meaningful beyond just getting by and make sure to cash flow for the rest of your life.
Live A Wise Man’s Life
Spend some precious time doing strategic planning, essentially carve out the perfect plan for financial independence.
A wise man’s life is based on attaining fuck you money.
Learn this essential lesson and live a life of financial control, freedom and prosperity.
Until next time.
Your man,
-Elijah “The Realist”
