Here’s Why You Need a ‘Fuck-Off Fund’

It’s your financial self-defense when life goes sideways

If you’ve had an enchanted life where nothing has ever gone wrong, you don’t need a safety net to cushion your fall.

However, if you’re like the rest of the world, you know that shit happens. It’s inevitable.

More than once in life, something doesn’t go our way. It could be a failed romance, a job meltdown, or just the need to escape the confines of our life when shit hits the fan.

When I decided to get a divorce, I had no extra cash. It was one of the reasons I stayed. I had to borrow money from a good friend to leave with my children to an apartment, and hire a divorce lawyer.

After that, I decided I needed a Fuck-Off Fund.

I saved a little bit every month. I built up a savings account. I kept enough until I felt comfortable and free to make the choices I wanted to make.

I kept going. I built up my savings to cover myself if anything went very wrong, like a serious health issue. I wanted to make sure I didn’t have to worry financially about myself when something else bad happened to me.

Then, it happened…

I was working in a job I hated. I’d been there too long and I wanted out. I kept looking for another job, but I couldn’t find anything that was right for me. I continued to endure the day-to-day misery.

Then, I came into work one day to find out a coworker who caused most of my misery had gotten promoted to supervisor…my supervisor.

I left work sick, and called in sick for the next four days. During that time, I’d concluded it was time to activate my Fuck-Off Fund.

I gave my two weeks notice and left that job without another job lined up for me.

I took four months off. I spent that time finding my way back to myself. I was able to support myself financially because of my Fuck-Off Fund.

It doesn’t take much to start a Fuck-Off Fund. Tuck away a small amount of money every month. Give what you can, whether it’s $5 or $50.

Don’t touch it. It’s your rainy day savings, your financial parachute. It’s your Fuck-Off Fund, for when life eventually goes sideways. At least you’ll have a soft safety net and one less thing to worry about.

Michelle Jaqua is a blogger on She writes to inspire people towards emotional healing, personal development, and living a passionate life. You can find her blog here.

Written by

Advocate for Women / Editor of The Virago

Get the Medium app

A button that says 'Download on the App Store', and if clicked it will lead you to the iOS App store
A button that says 'Get it on, Google Play', and if clicked it will lead you to the Google Play store