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Originally Posted by skier
I can't remember who told me this but I was advised to put together a "fuck off" account- a significant amount of money you can live off of for a while so that if you need to you can tell your boss to fuck off, and not worry too much about how you're going to live the next week.
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That's the spirit. Money represents options. The more money you have when faced with a tough situation -- evil roommates, a bad job situation, and so on -- the more options you have. You can quit that job, you can move away from the roommates to a new place, and so on.
So even if that money just "sits there," it gives you options in dealing with the little curves that life throws you. Put it in a high-interest-rate savings account (ING Direct or one of the other on-line ones) and add to it over time until you have a pad of several thousand. In your mind, at least, keep that money in a separate "bucket" from any other money you might save, to be used only for the unexpected -- or for when you really, really need to say "fuck you" to the boss. And believe me, that time comes to nearly all of us.