FU options

We don’t have FU money saved up. Ha! Even writing that out seems presumptuous, given our current net worth of under $10K. I don’t particularly care, because I’m not actually trying to retire early.

I am, however, a nervous Nellie, and my whole reason for fascination with money comes from a craving for security. The idea of FU money is appealing in that it gives you the security of knowing you could walk out of your 9-5 at any time.

This is where FU options come in. Last year, my husband and I had three main sources of income: his W2 job at $55K, my W2 job at $55K, and my freelancing at $48K. While I don’t want to lose any of those sources any time soon, especially as we are paying off debt, the fact is, we could. If he or I lost our regular jobs, our taxes would go down, student loan payments would go down, and we could scale back on debt repayment and still be okay. Same for if I lost my freelance work.

I have always had a side hustle. I copy-edited a small town newspaper, worked at Starbucks, got very involved in Swagbucks and reviewing items on Amazon, and now copyedit academic papers. Not until recently has that side hustle paid a living wage. It is laughable to imagine myself having enough money in the bank to be like “see ya, wouldn’t want to be ya” to any of my jobs, but having backup jobs in effect does the same thing for me. It allows me to set some of my own rules or even attitudes toward my work when things aren’t going as well as I want them to. It gives me the freedom to be just a tiny bit audacious.

This post brought to you by a tossing-and-turning night and several agitated email exchanges with people at my freelance company for something that will seem like no big deal in three days but I assure you is a terrible, terrible injustice. It’s 5:30 a.m. and I’m tired and cranky and the only thing that got me to sleep last night was the thought that I could, without too much upheaval, walk away. I’m not going to.

But boy it’s nice to have options.

2 thoughts on “FU options”

  1. I just have the one job. While I like it, it definitely makes me nervous to think that it could go away at some point (increasing competition in the industry), and I’d be SOL. Because I can’t work a full-time job outside the house, and there really aren’t that many jobs you can do from home. I’d have to start freelancing personal finance articles, and I’m TERRIBLE at thinking up pieces on my own. I struggle to do that even for my blog. So I pray this job sticks around another 30 years til I’m ready to retire.

    But in reality nothing’s certain. So I’m working to save up, save for retirement and pay down the house. Since I’m splitting my priorities, none are going as quickly as I’d like. (Well, retirement’s been stellar lately, but I don’t know if that pace will remain steady). Still, it’s something.


    1. I hear you! It feels like it would be so much simpler if I were *just* contributing to one thing, but that doesn’t make sense…so everything feels slow.

      I make a considerable amount of money from freelance editing – I’d be happy to talk you through it if you are interested.


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