Yeah, you heard that RIGHT!!!!
An FU Fund FU Money is the kind of fund that gives you the freedom to make choices that align with your worth—feels like a radical act of self-love and liberation, especially for Black women 40+.
Before I had an FU Fund, I felt I had to swallow my pride and allow myself to be talked to crazy because I needed my job to pay bills and get out of $65k worth of debt. And couldn’t flip tables like our good sis, Teresa here.
But once the FU Fund started getting thick about her hips, I started feeling different and acting differently. I remember there was this one time I was called into my supervisor’s office and was told I wasn’t proving myself enough… and you know what I said…
“I am NOBODY’s MAMMY. (I was actually shocked that I not only said it, but said it twice, lol) and I have no debt, so I don’t have to be here.”
If you’ve ever wondered what FU money is, it’s easy: it’s freedom. FU Money is the money cushion that allows you to walk away from anything that no longer serves you- a toxic job, draining relationships, or unaligned situations. For Black women 40+, it’s not just wealth, it’s worth. It’s the fund that says, “I have to be so bad now that I can’t take disrespect anymore and survive.” FU Money is an act of self-love, personal power, and liberation. It enables you to choose yourself each and every single time, without fear of losing stability.
FU funds change things because you realize that you have options.
What is FU Money In Detail
Here are a few tips to start building that “FU Money” fund:
Prioritize Your Financial Healing
It’s essential to do the inner work first. Take stock of your money beliefs and how they were shaped by your past. Do you still carry shame, guilt, or fear about money? Heal those wounds so you can make decisions from a place of empowerment, not scarcity.
Save First, Spend Mindfully
Make saving a priority—before spending. Automate your savings so it happens without you thinking about it. And when it comes to spending, be intentional. Ask yourself, “Is this aligned with my values and my long-term financial goals?” This conscious spending approach frees up money to invest in what truly matters.
Invest Consistently
It’s never too late to start investing. Even if you’re in your 40s, consistency is key. Small but steady contributions to your retirement fund, investment accounts, or real estate can add up over time, especially when you take advantage of compound interest.
Create Additional Streams of Income
In a world where inflation is relentless, relying on one income source isn’t enough. Explore side hustles, monetize your skills, or look into passive income opportunities like real estate or dividend-paying stocks. The more income streams you have, the faster your “FU Money” fund will grow.
Give It Time
Building an “FU Money” fund doesn’t happen overnight, and that’s okay. The process requires patience, consistency, and time. Understand that your efforts compound just like investments, and the work you do today will pay off in the future, often in ways you can’t even predict right now.
The Power Behind FU Money
Before I had an FU Fund, I was feeling trapped – tied to a job that did not respect me by any means, because I needed a pay cheque to survive. But once I built that cushion, all these things changed. When my supervisor once told me I “wasn’t proving myself enough,” I didn’t shrink. I stood as tall and said, “I’m nobody’s mammy.” That confidence was due to financial independence. That’s the true essence of FU Money – it shifts your energy, your boundaries, and your self-worth. When you’re financially free, you quit playing for validation and begin living for peace.
Heal Your Relationship with Money
Before being able to build up wealth, you must build wholeness. Many of us are carrying some emotional baggage around money – shame, scarcity, guilt from generational beliefs. The first step in the direction of FU Money is financial healing. Ask yourself: Did I learn about money as a kid? Do I not feel deserving of wealth? Healing those stories enables you to make decisions from the place of power, not the place of fear. A healthy money mindset forms the basis for freedom and abundance.
Save First, Spend Mindfully
To make your FU Fund grow, you need to pay yourself first. Automate savings and understand your future self like a bill that needs to be paid. Then, spend intentionally. Every dollar must correspond to your goals and values. Ask yourself before every purchase: “Is this enhancing my peace, or is this filling a hole that will be empty in a short time?” Conscious saving and mindful spending are important to creating FU Money that actually works for you.
Start Investing, It’s Never Too Late
If you are 40 or older, it is not too late – it is actually even better to start investing now. Your superpower is consistency. Whether you are talking about retirement accounts, mutual funds, or real estate, we are talking about how to start small and be consistent with your investment efforts. Compound interest is silent but does miracles in the long term. Every investment is one step further to freedom. That’s the power of FU Money, making you rich while you sleep and securing your future self from debt.
Build Numerous Revenue Avenues
Having a single source of income is no longer an option. The point is that financial freedom is flexibility. Multiply your income streams based on your talents, passions, and experience. Launch a consulting side hustle, sell digital products, or dividend-paying assets. Every new income stream that is added will further boost your FU Fund. It’s not about more money; it’s more options. That’s what FU Money is really selling – choice, certainty, and being basically in control of your destiny.
Patiently Await Change and Trust the Process
Building FU Money is not a sprint; it’s a journey. It requires patience, discipline, and time. But with every little deposit, you regain some of your power. As your fund is increasing, so is your confidence. One day, you will wake up and find yourself not working out of fear, but working out of freedom. That’s the ultimate payoff.
A Choice In Freedom To Be Yourself
So, what is FU Money? It’s the financial peace that arrives when your self-esteem and bank account finally come into agreement. For black women in their 40s, it’s a revolution – a demonstration that you can live, work, and be successful on your own terms. Your FU Fund is More than Money, It’s Dignity. Start today. Save, invest, and assume you deserve choices. Because your FU Money is your mental money, as it increases your confidence, clarity, and power rises with it.
If this resonates with you, let me know how you’re planning to build or build up your FU Fund. I’d love to hear it, and it will inspire other First-Gen Abundance Creators to do the same.
Also, and btw, have you grabbed your Abundance Affirmation E-Cards to help you move to your next level of abundance?
