Codie SanchezFounder @ Contrarian Thinking

The real flex isn’t the cost of your car, it’s the ability to say “F-U, I’m done here.”

2 Dec 2025 · 1 min

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Codie Sanchez breaks down the FU Fund: save 24 months of living expenses across high-yield savings, T-bills, and index funds so you can walk away from a job without panic. Calculate your minimum monthly costs, multiply by 24, then reverse-engineer a savings rate to hit that target by cutting fixed costs or boosting income.

Questions this video answers

24 months (two years).

$3,000 per month.

20% high-yield savings, 40% T-bills or money market funds, 40% broad index funds.

Reverse engineer: (target fund) ÷ (number of months until target) = required monthly contribution.

Chapters

If you want real freedom, you need an FU fund. I learned this on Wall Street. It's how I escaped corporate America. Eventually. FU Fund is basically this. Your fund you build up. So at any given point you can say F you to anyone. Here's how you do it. Step one, Calculate your minimum operating cost. What does it take to survive each month? This is rent, food, utilities, nothing more. Example, 3K a month. Step two, you're going to multiply it by 24. You need two years of expenses. That's enough Runway to quit, pivot careers, start a business. Step three, split your fund into three buckets. 20% in high yield savings, 40% in T bills or money market funds. 40% in broad index funds. Step four, reverse engineer your savings rate so your target divided by the number of months equals your monthly contribution. The more you put in, the less you need to do monthly. Increase your income, cut fixed costs, add a small cash flow skill. There is a sprint here. It's not forever. The goal isn't to get rich, it's to get options. That's the power of an FU Fund.