Why Every Woman Needs a F*ck off Buffer
Being financially free is something most of us can only dream off. But what does financially free really mean? Being able to buy whatever whenever? So what is a f*ck off buffer?
If we redefine financially free to “being able to walk away from any situation”. This doesn’t mean a life on the couch watching Netflix. But being able to say ‘no’ when needed and not need to stick around because you desperately need the money.
When I was younger I had several jobs while in school to support myself and there were situations I wish I could’ve walked away from. I was living pay check to pay check and spent many sleepless nights worrying about being able to pay all my bills.
Even though it’s not the 1950’s women are empowered and can have any career, this still has to be said – do yourself the favor of making sure you’re not staying with a partner just because you can’t afford the same lifestyle on your own. If it’s not a relationship you want to – or should be in, walk away. The ‘fuck off’ money you’ve saved up makes you independent. Independence is what makes you able to choose, choose your job, choose your life, choose your man or woman you want to spend your life with.
Eventually, I decided to take control. I learned about the stock market and after I graduated university as a journalist I considered business school. But instead of spending money on school again, I decided to invest that money and see where it got me. Best decision ever.
How to Build Your Buffer
So how do we get there? Saving money every month is great, but investing them on a regular basis is even better. Reading up on how the stock market works is one of the best ways to have money working for you while you sleep. And who doesn’t want to make money while napping?
Yes, the market is volatile – it goes up and down. But having a long time plan and savings horizon is the way to go. You want to make sure you save enough money so you can live normally for at least 3 months in case you lose or have to walk away from your job.
Think about it – working somewhere where you can’t stand another minute because you’re treated badly or the conditions aren’t what they should be isn’t healthy. It drains your glow, ambitious woman. Being able to walk away gives you a great sense of security and power.
Independence is Your Superpower
Even though it’s not the 1950’s and women are empowered and can have any career, this still has to be said – do yourself the favor of making sure you’re not staying with a partner just because you can’t afford the same lifestyle on your own.
If it’s not a relationship you want to – or should be in, walk away. The ‘fuck off’ money you’ve saved up makes you independent. Independence is what makes you able to choose. You can choose your job, choose your life, and choose your man or woman you want to spend your life with because you want to, not because you have to.
We’d love to know your thoughts on this! Drop a comment below: Does having a “buffer” change how you date or work? Let’s chat!
Time is of the Essence
Starting now is the key, the earlier the better since time is of the essence. Your money will grow over time so starting when you’re as young as possible, even if it’s a small amount of money is the best way to get financially free. You got this, ladies.
We want to hear from you, lovely! Are you currently building your buffer, or have you ever used one to get out of a sticky situation? Share your story in the comments below. Your experience might be the exact inspiration another woman needs to start her journey to freedom today!
Frequently Asked Questions
What exactly is a F*ck Off Buffer?
A F*ck Off Buffer (or fund) is a savings account with enough money to cover your living expenses for at least 3 to 6 months. It gives you the financial freedom to walk away from toxic jobs, bad relationships, or abusive situations without worrying about how you'll pay your bills immediately.
How do I start saving if I live paycheck to paycheck?
Start small, gorgeous! Even if it's just a tiny amount every week, the habit matters more than the amount at first. Look at your spending habits to see if there are small leaks you can plug, and consider automating your savings so the money moves before you see it. The key is just starting now.
Is investing in the stock market safe for a beginner?
The market is volatile, meaning it goes up and down, but over a long time horizon, it has historically grown. Educating yourself is vital. You don't need to be a Wall Street pro - start by reading up on index funds or listening to podcasts like Investpodden to learn the basics. It's about playing the long game.
