Let’s cut the crap. You want “fuck you money.” Not just any money—money that gives you the freedom to tell anyone whats truly on your mind, work from anywhere, and live life entirely on your own terms. It’s not just about stacking cash; it’s about buying your freedom.

Step 1: Stop Wasting Time on Bullshit

The average person wastes hours on pointless activities—scrolling through social media, binge-watching TV, or complaining about their job.

Cut that crap out.

Time is your most valuable asset. Every second you waste is a second you’re not hustling toward your goal. Replace those wasted hours with activities that drive you toward financial independence.

Educate yourself on investing, start a side hustle, or work on your personal brand. Make every minute count.

Step 2: Get Ruthless with Your Finances

You can’t achieve ‘fuck you money’ if you’re pissing away your earnings. Track every dollar. Cancel subscriptions you don’t need, stop eating out, and ditch the expensive habits.

Live below your means. This isn’t forever—it’s a stepping stone to financial freedom. Automate your savings, invest aggressively, and make your money work for you. Don’t just save to save; save to invest.

Step 3: Maximize Your Income Streams

Relying on a single source of income is a fool’s game. You need multiple streams. Keep your day job, but start a side hustle. Freelance, start an online business, invest in stocks, or dabble in real estate.

The goal is to have money coming in from all directions. Diversification is key to building robust, resilient wealth. Remember, every new income stream is a step closer to your ultimate goal.

Step 4: Master the Art of Investing

You’re not going to save your way to ‘fuck you money.’ You need to invest. Whether it’s the stock market, real estate, or your own business, put your money to work.

Educate yourself on different investment strategies. Learn the ins and outs of the market, understand the risks, and play the long game.

Compound interest is your best friend. The earlier you start, the better.

Don’t let fear or ignorance hold you back.

I wish I learned this before my 30s, but I’m aware now and there’s no excuse going forward. And now you’ll know too.

Depending on where you park your money, that determines how fast it doubles. This is the most important principle I’ve learned in the last decade:

Major bank savings account FDIC insured (0.01% interest/year): Money doubles every 6,932 years

Online high yield savings account FDIC insured (5%): doubles every 14 years

Residential real estate: doubles 7-10 years

Stock market (S&P500 ETF/Mutual Fund) (9-11%): doubles 7 years

The goal is to move up the investment ladder.

Yes, I keep some cash in a checking account for monthly expenses.

Emergency savings are in a high yield savings account that I can transfer anytime into checking account if things come up.

Any additional dollars that come in get moved into investments where the dollars are working hard for me either in real estate or invested in the stock market.

Whether you have $1 or $1,000,000 invested in real estate or the stock market, on average, it will double about every 7 years.

If this doesn’t excite you about your future, I don’t know what will.

Get rich or don’t, it’s entirely up to you.

Your family tree will be affected either way—if you make the right decisions, you will give your children and grandchildren unimaginable opportunities and a massive head start.

Step 5: Build a Personal Brand

In today’s world, your personal brand is everything. It opens doors, creates opportunities, and builds your network.

Leverage social media to showcase your expertise, share your journey, and connect with like-minded individuals. Your brand can turn into a lucrative source of income through consulting, speaking gigs, or collaborations.

It’s a powerful tool in your arsenal for achieving ‘fuck you money.’

Step 6: Stay Relentless and Adapt

The road to ‘fuck you money’ isn’t easy. You’ll face setbacks, failures, and doubt. Stay relentless. Adapt and pivot when necessary.

Learn from your mistakes, and never give up. The path to financial freedom is a marathon, not a sprint. Keep your eyes on the prize and maintain your hustle.

Your determination and resilience will set you apart from those who quit when the going gets tough.

Step 7: Prioritize Freedom Over Luxury

Finally, remember why you’re doing this. It’s not about owning the most expensive car or the biggest house; it’s about freedom.

Freedom to work from anywhere, to spend time with loved ones, and to live life on your own terms.

Keep your focus on what truly matters.

Luxury can wait—freedom can’t.

Getting ‘fuck you money’ requires a ruthless focus on maximizing your time, managing your finances, diversifying your income, mastering investments, building your brand, staying relentless, and prioritizing freedom.

It’s a tough journey, but the payoff is priceless.

You’ll be able to live life on your own terms, free from the constraints of a traditional job or location.

So get started today, and don’t let anything stand in your way.

You can die wealthy or die poor.

There’s no excuse.

The choice is yours.

Onward 🫡


If you enjoyed reading this and want to show your support, you can buy one of my non-fiction and children’s books at edgarescoto.com.

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